<SEC-DOCUMENT>0001193125-22-223264.txt : 20220817
<SEC-HEADER>0001193125-22-223264.hdr.sgml : 20220817
<ACCEPTANCE-DATETIME>20220817161704
ACCESSION NUMBER:		0001193125-22-223264
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20220817
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20220817
DATE AS OF CHANGE:		20220817

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ALTRIA GROUP, INC.
		CENTRAL INDEX KEY:			0000764180
		STANDARD INDUSTRIAL CLASSIFICATION:	CIGARETTES [2111]
		IRS NUMBER:				133260245
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08940
		FILM NUMBER:		221174237

	BUSINESS ADDRESS:	
		STREET 1:		6601 WEST BROAD STREET
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23230
		BUSINESS PHONE:		(804) 274-2200

	MAIL ADDRESS:	
		STREET 1:		6601 WEST BROAD STREET
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23230

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALTRIA GROUP INC
		DATE OF NAME CHANGE:	20030127

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PHILIP MORRIS COMPANIES INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
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<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2022-08-17_to_2022-08-17" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
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<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Soliciting material pursuant to Rule <span style="white-space:nowrap">14a-12</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14a-12)</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2022-08-17_to_2022-08-17" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">14d-2(b)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14d-2(b))</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">13e-4(c)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c))</span></p></td></tr></table> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Securities registered pursuant to Section&#160;12(b) of the Act:</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="width:32%"></td></tr>
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<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Trading</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Symbols</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Name of each exchange</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">on which registered</p></td></tr>
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<td style="vertical-align:bottom">&#160;</td>
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<td style="vertical-align:bottom">&#160;</td>
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<td style="vertical-align:bottom">&#160;</td>
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<td style="vertical-align:bottom">&#160;</td>
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<td style="vertical-align:bottom">&#160;</td>
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<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2022-08-17_to_2022-08-17_us-gaap-StatementClassOfStockAxis_mo-CommonStock3.125NotesDue2031Member" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></span></td></tr></table> <p style="margin-top:10pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule <span style="white-space:nowrap">12b-2</span> of the Securities Exchange Act of 1934 <span style="white-space:nowrap">(&#167;240.12b-2</span> of this chapter).</p> <p style="margin-top:10pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Emerging growth company&#160;&#160;<ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2022-08-17_to_2022-08-17" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></p> <p style="margin-top:10pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;13(a) of the Exchange Act.&#160;&#160;&#9744;</p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p></div></div>

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<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;1.01.</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Entry into a Material Definitive Agreement. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On August&#160;17, 2022, Altria Group, Inc. (&#8220;Altria&#8221;) entered into an Extension and Amendment No.&#160;3 (the &#8220;Extension and Amendment Agreement&#8221;) to its $3.0&#160;billion senior unsecured <span style="white-space:nowrap">5-year</span> revolving credit agreement, dated as of August&#160;1, 2018, as amended by Amendment No.&#160;1 to the Credit Agreement, dated as of January&#160;25, 2019, and Extension and Amendment No.&#160;2 to the Credit Agreement, dated as of August&#160;18, 2021 (collectively, the &#8220;Credit Agreement&#8221;), with the lenders party thereto and JPMorgan Chase Bank, N.A. (&#8220;JPMCB&#8221;) and Citibank, N.A. (&#8220;Citibank&#8221;), as administrative agents. The Extension and Amendment Agreement extends the maturity date of the Credit Agreement from August&#160;1, 2024 to August&#160;1, 2025. In addition, the Extension and Amendment Agreement amends the Credit Agreement to update the benchmark interest rate to a rate based on Term SOFR (as defined in the Extension and Amendment Agreement) and make certain other market updates. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">All other terms and conditions of the Credit Agreement remain in full force and effect. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Some of the lenders under the Credit Agreement and their affiliates have various relationships with Altria and its subsidiaries involving the provision of financial services, including cash management, investment banking and trust services. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The foregoing description of the Extension and Amendment Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the Extension and Amendment Agreement, which is attached as Exhibit 10.1 and incorporated by reference in this Current Report on Form <span style="white-space:nowrap">8-K.</span> The Credit Agreement was previously filed as Exhibit 10.1 to Altria&#8217;s Current Report on Form <span style="white-space:nowrap">8-K</span> (File <span style="white-space:nowrap">No.&#160;1-08940)</span> filed on August&#160;1, 2018, Amendment No.&#160;1 to the Credit Agreement was previously filed as Exhibit 10.1 to Altria&#8217;s Current Report on Form <span style="white-space:nowrap">8-K</span> (File <span style="white-space:nowrap">No.&#160;1-08940)</span> filed on January&#160;31, 2019 and Extension and Amendment No.&#160;2 to the Credit Agreement was previously filed as Exhibit 10.1 to Altria&#8217;s Current Report on Form <span style="white-space:nowrap">8-K</span> (File <span style="white-space:nowrap">No.&#160;1-08940)</span> filed on August&#160;18, 2021. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;9.01.</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Financial Statements and Exhibits. </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="width:4%;vertical-align:top" align="left">(d)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Exhibits </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="vertical-align:top;white-space:nowrap">10.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d333359dex101.htm">Extension and Amendment No.&#160;3 to the Credit Agreement, dated as of August&#160;17, 2022, among Altria, the lenders party thereto and JPMCB and Citibank, as administrative agents. </a></td></tr>
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<td style="vertical-align:top;white-space:nowrap">104</td>
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<td style="vertical-align:top">The cover page from this Current Report on Form <span style="white-space:nowrap">8-K,</span> formatted in Inline XBRL (included as Exhibit 101)</td></tr>
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 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">SIGNATURES </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p><div>
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<td style="vertical-align:top" colspan="3">ALTRIA GROUP, INC.</td></tr>
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<td style="vertical-align:top">By:</td>
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<td style="vertical-align:top"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ W. HILDEBRANDT SURGNER, JR.</p></td></tr>
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<td style="vertical-align:top">Name:</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top">W. Hildebrandt Surgner, Jr.</td></tr>
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<td style="vertical-align:top">Title:</td>
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<td style="vertical-align:top">Vice President, Corporate Secretary and</td></tr>
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<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top">Associate General Counsel</td></tr>
</table></div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">DATE: August 17, 2022 </p>
 <p style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center">3 </p>

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<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>d333359dex101.htm
<DESCRIPTION>EXTENSION AND AMENDMENT NO. 3 TO THE CREDIT AGREEMENT
<TEXT>
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<TITLE>EXTENSION AND AMENDMENT NO. 3 TO THE CREDIT AGREEMENT</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXTENSION AND AMENDMENT NO. 3 TO THE </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap">5-YEAR</FONT> REVOLVING CREDIT AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>THIS EXTENSION AND AMENDMENT NO. 3</B>,<B> </B>dated<B> </B>as of August&nbsp;17, 2022 (this &#147;<U>Extension and Amendment</U>&#148;) by
and among ALTRIA GROUP, INC., a Virginia corporation (&#147;<U>Altria</U>&#148;), the Lenders party hereto and JPMORGAN CHASE BANK, N.A. (&#147;<U>JPMCB</U>&#148;) and CITIBANK, N.A., as administrative agents (the &#147;<U>Administrative
Agents</U>&#148;), is an amendment to that certain U.S.$3,000,000,000 <FONT STYLE="white-space:nowrap">5-Year</FONT> Revolving Credit Agreement, dated as of August&nbsp;1, 2018 (as amended by Amendment No.&nbsp;1 to the <FONT
STYLE="white-space:nowrap">5-Year</FONT> Revolving Credit Agreement, dated as of January&nbsp;25, 2019, and Extension and Amendment No.&nbsp;2 to the <FONT STYLE="white-space:nowrap">5-Year</FONT> Revolving Credit Agreement, dated as of
August&nbsp;18, 2021, and as further amended, restated, amended and restated, supplemented or otherwise modified prior to the date hereof, the &#147;<U>Revolving Credit Agreement</U>&#148;), by and among Altria, the Lenders party thereto and the
Administrative Agents. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>W</U> <U>I</U> <U>T</U> <U>N</U> <U>E</U> <U>S</U> <U>S</U> <U>E</U> <U>T</U> <U>H</U> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, in accordance with Section&nbsp;2.20 of the Revolving Credit Agreement, Altria, the Administrative Agents and each Person set
forth on Annex I hereto under the heading &#147;Name of Initial Lender&#148; (each, an &#147;<U>Extending Lender</U>&#148;) desires to extend the term of the Revolving Credit Agreement; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, in accordance with Section&nbsp;9.01 of the Revolving Credit Agreement, Altria, the Administrative Agents and the Extending
Lenders, which include all Lenders, desire to amend the Revolving Credit Agreement pursuant to the terms hereof and subject to the conditions set forth herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>NOW, THEREFORE</B>, the parties hereto agree as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Defined Terms</U>. For the purposes of this Extension and Amendment, all capitalized terms used but not
otherwise defined herein shall have the respective meanings assigned to such terms in the Revolving Credit Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION
2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Extension</U>. Each of the undersigned Extending Lenders hereby agrees to extend, effective August&nbsp;17, 2022, its Commitment and the Maturity Date under the Revolving Credit Agreement for an additional one year
period to August&nbsp;1, 2025 pursuant to Section&nbsp;2.20 of the Revolving Credit Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION
3.&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment to Revolving Credit Agreement</U>. The Revolving Credit Agreement is hereby amended by inserting the language indicated in underlined text (indicated textually in the same manner as the following example:&nbsp;<FONT
STYLE="font-family:Times New Roman; font-size:10pt" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">underlined text</U></FONT><FONT STYLE="font-family:Times New Roman">) in Exhibit A hereto and by deleting the language
indicated by strikethrough text (indicated textually in the same manner as the following example:&nbsp;</FONT><FONT STYLE="font-family:Times New Roman; font-size:10pt" COLOR="#ff0000"><STRIKE>stricken text</STRIKE></FONT><FONT
STYLE="font-family:Times New Roman">) in Exhibit A hereto. </FONT></P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 4.&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment to Schedule I</U>. Schedule I to the
Revolving Credit Agreement is hereby amended and restated in its entirety to be in the form of <U>Annex I</U> attached hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION
5.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties of Altria</U>. Altria represents and warrants to the Lenders as of the date hereof and as of the Extension and Amendment Effective Date that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The execution, delivery and performance of this Extension and Amendment are within Altria&#146;s corporate powers,
have been duly authorized by all necessary corporate action, and do not contravene (i)&nbsp;Altria&#146;s charter or <FONT STYLE="white-space:nowrap">by-laws</FONT> or (ii)&nbsp;in any material respect, any law, rule, regulation or order of any
court or governmental agency or any contractual restriction binding on or affecting it. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;This Extension and
Amendment is a legal, valid and binding obligation of Altria enforceable against Altria in accordance with its terms, subject to the effect of any applicable bankruptcy, insolvency, fraudulent conveyance, reorganization, moratorium and other laws
affecting creditors&#146; rights generally and subject, as to enforceability, to general principles of equity (regardless of whether enforcement is sought in a proceeding in equity or at law) and an implied covenant of good faith and fair dealing.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 6.&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions Precedent</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;On or prior to the date hereof, JPMCB, as Administrative Agent, shall have received this Extension and Amendment,
duly executed and delivered by Altria and the Extending Lenders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) &nbsp;&nbsp;&nbsp;&nbsp;JPMCB, as Administrative Agent, shall have
received, for its own account, or for the account of each applicable party, the fees the Borrower has previously agreed in writing to pay on or prior to the Extension and Amendment Effective Date and, to the extent invoiced at least one Business Day
prior to the Extension and Amendment Effective Date, reimbursement or payment of all reasonable and documented <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 7.&nbsp;&nbsp;&nbsp;&nbsp;<U>Effective Date</U>. This Extension and Amendment shall become effective (the &#147;<U>Extension and
Amendment Effective Date</U>&#148;) on August&nbsp;17, 2022, the date on which all conditions precedent set forth in Section&nbsp;6 are satisfied. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 8.&nbsp;&nbsp;&nbsp;&nbsp;<U>Reference to and Effect on the Revolving Credit Agreement</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;On and after the Extension and Amendment Effective Date, the Revolving Credit Agreement shall be, and be deemed to
be, modified and amended in accordance herewith and all the terms and conditions of this Extension and Amendment shall be deemed to be part of the terms and conditions of the Revolving Credit Agreement for any and all purposes and shall be binding
on each party to the Revolving Credit Agreement. Except as expressly modified and expressly amended by this Extension and Amendment, the Revolving Credit Agreement is in all </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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respects ratified and confirmed, and all the terms, provisions and conditions thereof shall be and remain in full force and effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;On and after the Extension and Amendment Effective Date, each reference in the Revolving Credit Agreement to
&#147;this Agreement,&#148; &#147;hereunder,&#148; &#147;hereof&#148; or words of like import referring to the Revolving Credit Agreement shall, unless the context otherwise requires, mean and be a reference to the Revolving Credit Agreement, as
amended by this Extension and Amendment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The execution, delivery and effectiveness of this Extension and
Amendment shall not operate as a waiver of any right, power or remedy of any Lender under the Revolving Credit Agreement nor constitute a waiver of any provision of the Revolving Credit Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 9.&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law</U>. This Extension and Amendment shall be governed by, and construed in accordance with,
the laws of the State of New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 10.&nbsp;&nbsp;&nbsp;&nbsp;<U>Execution in Counterparts</U>. This Extension and Amendment may
be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute one and the same agreement.
Delivery of an executed counterpart of a signature page executed by Electronic Signature to this Extension and Amendment by telecopier, <FONT STYLE="white-space:nowrap">e-mail</FONT> or other electronic transmission shall be effective as delivery of
a manually executed counterpart of this Extension and Amendment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 11.&nbsp;&nbsp;&nbsp;&nbsp;<U>Headings</U>. The headings of this
Extension and Amendment are for purposes of reference only and shall not limit or otherwise affect the meaning hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature pages
omitted</I>.] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>EXHIBIT A </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>MARKED VERSION REFLECTING CHANGES PURSUANT TO THE AMENDMENT AND EXTENSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>AGREEMENT AGAINST COMPOSITE COPY REFLECTING AMENDMENT NO. 1 TO THE <FONT STYLE="white-space:nowrap">5-YEAR</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>REVOLVING CREDIT AGREEMENT, DATED AS OF JANUARY&nbsp;25, 2019, AND EXTENSION AND </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>AMENDMENT NO. 2 TO THE <FONT STYLE="white-space:nowrap">5-YEAR</FONT> REVOLVING CREDIT AGREEMENT, DATED AS OF AUGUST&nbsp;18, 2021 </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>ADDED TEXT SHOWN
<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">UNDERSCORED</U></FONT> DELETED TEXT SHOWN
<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>STRIKETHROUGH</STRIKE></FONT> </B></P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">This Composite Copy has been prepared
solely for convenience of reference and is not a legal document. Reference should be made to the <FONT STYLE="white-space:nowrap">5-Year</FONT> Revolving Credit Agreement, dated as of August&nbsp;1, 2018, Amendment No.&nbsp;1 to the <FONT
STYLE="white-space:nowrap">5-Year</FONT> Revolving Credit Agreement, dated as of January&nbsp;25, 2019, and Extension and Amendment No.&nbsp;2 to the <FONT STYLE="white-space:nowrap">5-Year</FONT> Revolving Credit Agreement, dated as of
August&nbsp;18, 2021. </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">U.S.$3,000,000,000 </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CREDIT AGREEMENT </B></P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">relating
to a </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap">5-YEAR</FONT> REVOLVING CREDIT FACILITY </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated as of August&nbsp;1, 2018 </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Among </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ALTRIA GROUP, INC.
</B></P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE INITIAL
LENDERS NAMED HEREIN </B></P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>JPMORGAN CHASE BANK, N.A. </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CITIBANK, N.A. </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>as</U> <U>Administrative</U> Agents </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">* * * * * * * * * * </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>BARCLAYS
BANK PLC, CREDIT SUISSE SECURITIES (USA) LLC, </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DEUTSCHE BANK SECURITIES INC., GOLDMAN SACHS BANK USA, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MIZUHO BANK, LTD. and THE BANK OF NOVA SCOTIA </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>as</U> <U>Syndication</U> <U>Agents</U> </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MORGAN STANLEY SENIOR
FUNDING, INC., SANTANDER BANK, N.A., </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>U.S. BANK NATIONAL ASSOCIATION and </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>WELLS FARGO BANK, NATIONAL ASSOCIATION </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>as</U> <U>Documentation</U> <U>Agents</U> </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>JPMORGAN CHASE BANK,
N.A., <FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>CITIGROUP GLOBAL MARKETS INC</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">CITIBANK ,
N.A</U></FONT>., </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>BARCLAYS BANK PLC, CREDIT SUISSE SECURITIES (USA) LLC, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DEUTSCHE BANK SECURITIES INC., GOLDMAN SACHS BANK USA, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MIZUHO BANK, LTD. and </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE BANK OF NOVA SCOTIA </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>as</U> <U>Joint</U> <U>Lead</U> <U>Arrangers</U> <U>and</U> <U>Joint</U> <U>Bookrunners</U> </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Table of Contents </U></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE;padding-bottom:2pt; margin-bottom:-1pt; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="81%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Page</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE&nbsp;I</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEFINITIONS AND ACCOUNTING TERMS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certain Defined Terms</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Computation of Time Periods</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>13</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">23</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accounting Terms</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>13</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">23</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE&nbsp;II</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AMOUNTS AND TERMS OF THE ADVANCES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>14</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">24</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">The Pro Rata Advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>14</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">24</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Making the Pro Rata Advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>14</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">25</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repayment of Pro Rata Advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>16</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">27</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest on Pro Rata Advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>16</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">27</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT COLOR="#ff0000"><B><STRIKE>Additional Interest on LIBO Rate Advances</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">[Reserved.]</U></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>16</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">28</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Conversion of Pro Rata Advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>17</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">28</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">The Competitive Bid Advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>17</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">28</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Alternate Rate of Interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>21</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">33</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.09</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>23</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">36</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Termination or Reduction of the Commitments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>23</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">36</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Prepayments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>23</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">36</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increased Costs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>24</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">37</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Illegality</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>25</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">38</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Payments and Computations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>26</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">39</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>27</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">40</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Sharing of Payments, Etc</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>29</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">43</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.17</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Defaulting Lenders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>30</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">43</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.18</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Evidence of Debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>31</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">44</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.19</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Use of Proceeds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>31</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">45</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.20</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Extension Option</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>31</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">45</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE&nbsp;III</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CONDITIONS TO EFFECTIVENESS AND LENDING</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>33</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">46</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Conditions Precedent to Effectiveness</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>33</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">46</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Initial Advance to Each Designated Subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>35</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">48</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Conditions Precedent to Each Pro Rata Borrowing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>35</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">49</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Conditions Precedent to Each Competitive Bid Borrowing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B><FONT COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B><FONT COLOR="#ff0000"><STRIKE>36</STRIKE></FONT><FONT COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">50</U></FONT></B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Table of Contents</U> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE;padding-bottom:2pt; margin-bottom:-1pt; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="81%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Page</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE&nbsp;IV</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">REPRESENTATIONS AND WARRANTIES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>37</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">50</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Representations and Warranties of Altria</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>37</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">50</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE&nbsp;V</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COVENANTS OF ALTRIA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>38</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">52</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Affirmative Covenants</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>38</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">52</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Negative Covenants</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>40</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">54</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE&nbsp;VI</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EVENTS OF DEFAULT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>41</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">55</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Events of Default</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>41</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">55</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lenders&#146; Rights upon Event of Default</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>43</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">57</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE&nbsp;VII</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">THE ADMINISTRATIVE AGENTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>43</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">58</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Authorization and Action</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>43</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">58</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Administrative Agents&#146; Reliance, Etc</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>44</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">58</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">JPMCB, Citibank and Affiliates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>44</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">59</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lender Credit Decision</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>45</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">59</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Indemnification</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>45</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">60</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Successor Administrative Agents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>45</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">61</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Syndication Agents and Documentation Agents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>46</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">61</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Posting of Communications</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>46</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">62</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE&nbsp;VIII</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GUARANTY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>48</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">63</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Guaranty</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>48</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">63</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Guaranty Absolute</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>48</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">63</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Waivers</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>48</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">64</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Continuing Guaranty</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>49</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">64</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE&nbsp;IX</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MISCELLANEOUS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>49</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">65</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amendments, Etc</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>49</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">65</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notices, Etc</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>50</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">65</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">No Waiver; Remedies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>51</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">66</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Costs and Expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>51</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">67</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Right of <FONT STYLE="white-space:nowrap">Set-Off</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>52</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">68</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Binding Effect</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>52</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">68</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Assignments and Participations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>53</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">68</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Designated Subsidiaries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>56</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">71</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.09</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Governing Law</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>56</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">72</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Table of Contents</U> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
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<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
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<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Execution in Counterparts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>56</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">72</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Jurisdiction, Etc</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>56</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">72</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Confidentiality</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>57</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">73</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Integration</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>58</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">74</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">USA Patriot Act Notice</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>58</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">74</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">No Fiduciary Duty</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>58</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">74</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Acknowledgement and Consent to <FONT STYLE="white-space:nowrap">Bail-In</FONT> of EEA
Financial Institutions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT COLOR="#ff0000"><B><STRIKE>58</STRIKE></B></FONT><FONT COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">74</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT COLOR="#ff0000"><B></B></FONT><FONT COLOR="#0000ff"><B></B></FONT>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SCHEDULES</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Schedule I</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">List of Commitments and Applicable Lending Offices</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Schedule II</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certain Subsidiary Information</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXHIBITS</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit <FONT STYLE="white-space:nowrap">A-1</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Pro Rata Note</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit <FONT STYLE="white-space:nowrap">A-2</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Competitive Bid Note</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit <FONT STYLE="white-space:nowrap">B-1</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Notice of Pro Rata Borrowing</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit <FONT STYLE="white-space:nowrap">B-2</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Notice of Competitive Bid Borrowing</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit C</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Assignment and Acceptance</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit D</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Designation Agreement</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit E</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Guarantee</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit <FONT STYLE="white-space:nowrap">F-1</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Opinion of Counsel for Altria</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit <FONT STYLE="white-space:nowrap">F-2</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Opinion of Counsel for Altria</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit <FONT STYLE="white-space:nowrap">F-3</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Opinion of Counsel for Guarantor</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit G</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Opinion of Counsel for Designated Subsidiary</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit H</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Opinion of Counsel for JPMCB, as Administrative Agent</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit I</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Extension Agreement</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit J</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">-</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Confidentiality Agreement</P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">iii </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap">5-YEAR</FONT> REVOLVING CREDIT AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Dated as of August&nbsp;1, 2018 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">ALTRIA GROUP, INC., a Virginia corporation (&#147;<U>Altria</U>&#148;), the banks, financial institutions and other institutional lenders (the
&#147;<U>Initial Lenders</U>&#148;) listed on the signature pages hereof, and JPMORGAN CHASE BANK, N.A. (&#147;<U>JPMCB</U>&#148;) and CITIBANK, N.A. (&#147;<U>Citibank</U>&#148;), as administrative agents (each, in such capacity, an
&#147;<U>Administrative Agent</U>&#148;) for the Lenders (as hereinafter defined), agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE I </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">DEFINITIONS AND ACCOUNTING TERMS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.01&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain Defined Terms</U>. As used in this Agreement, the following terms shall have the following
meanings (such meanings to be equally applicable to both the singular and plural forms of the terms defined): </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted
Daily Simple
SOFR</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> means
 an interest rate per annum equal to the sum of
(a)</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;the
 Daily Simple SOFR plus (b) 0.10%; provided that if Adjusted Daily Simple SOFR as so determined would be less than the Floor, such rate shall be deemed to be equal to the Floor for the purposes of this Agreement.</U></FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted Term
SOFR</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> means,
 for any Interest Period, with respect to any Term SOFR Advance, an interest rate per annum equal to the sum of
(a)</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;Term
 SOFR for such Interest Period plus (b) 0.10%; provided that if Adjusted Term SOFR as so determined would be less than the Floor, such rate shall be deemed to be equal to the Floor for the purposes of this Agreement. </U></FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Advance</U>&#148; means a Pro Rata Advance or a Competitive Bid Advance. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Agreement</U>&#148; means this Credit Agreement, as amended, supplemented, waived or otherwise modified, from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Anti-Corruption Laws</U>&#148; means all laws, rules, and regulations of any jurisdiction applicable to Altria or any of its
Subsidiaries from time to time concerning or relating to bribery or corruption. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Applicable Commitment Fee Rate</U>&#148; means,
for any period, a percentage per annum equal to the percentage set forth below determined by reference to the higher of the rating of Altria&#146;s long-term senior unsecured debt from (i)&nbsp;Standard&nbsp;&amp; Poor&#146;s and
(ii)&nbsp;Moody&#146;s, in each case in effect from time to time during such period: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="76%"></TD>

<TD VALIGN="bottom" WIDTH="19%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Long-Term Senior Unsecured Debt Rating</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Applicable&nbsp;Commitment<BR>Fee Rate</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">A+ and A1 or higher</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.050</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">A and A2</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.070</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE>
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<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">A-</FONT> and A3</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.090</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BBB+ and Baa1</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.100</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lower than BBB+ and Baa1</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.150</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>provided</U> that if no rating is available on any date of determination from Moody&#146;s and Standard&nbsp;&amp;
Poor&#146;s or any other nationally recognized statistical rating organization designated by Altria and reasonably satisfactory to JPMCB, as Administrative Agent, the Applicable Commitment Fee Rate shall be 0.150%. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Applicable Interest Rate Margin</U>&#148; means for any Interest Period
<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or period set forth in Section 2.04(a)(iii), as applicable,</U></FONT></B> a percentage per annum equal to the percentage set forth
below as determined by reference to the higher of the ratings of Altria&#146;s long-term senior unsecured debt from (i)&nbsp;Standard&nbsp;&amp; Poor&#146;s and (ii)&nbsp;Moody&#146;s, in each case in effect from time to time during such Interest
Period <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or period set forth in Section 2.04(a)(iii), as applicable</U></FONT></B>: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Long-Term Senior Unsecured Debt Rating</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">A+ and A1 or higher</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.750</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">A and A2</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0.875</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">A-</FONT> and A3</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.000</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BBB+ and Baa1</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.125</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lower than BBB+ and Baa1</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1.250</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>provided</U> that if no rating is available on any date of determination from Moody&#146;s and Standard&nbsp;&amp;
Poor&#146;s or any other nationally recognized statistical rating organization designated by Altria and reasonably satisfactory to JPMCB, as Administrative Agent, the Applicable Interest Rate Margin shall be determined as if Altria&#146;s long-term
unsecured debt rating were lower than BBB+ and Baa1. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Applicable Interest Rate Margin for any Base Rate Advance on any date will equal the Applicable
Interest Rate Margin for <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term
SOFR</U></FONT></B> Advances <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or RFR Advances (if
applicable)</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> </U></FONT></B>on such date minus 1.000% per annum, but only to the extent that the Applicable Interest Rate
Margin for <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term
SOFR</U></FONT></B> Advances <FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or RFR Advances (if applicable)</U></B></FONT><FONT STYLE="font-family:Times New Roman"> on such date
exceeds 1.000% per annum. To the extent that the Applicable Interest Rate Margin for <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances
<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or RFR Advances (if applicable) </U></FONT></B>on such date equals or is less than 1.000% per annum, the Applicable Interest Rate
Margin for any Base Rate Advance will be zero. </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Applicable Lending Office</U>&#148; means, with respect to each Lender,
such Lender&#146;s Domestic Lending Office in the case of a Pro Rata Advance and, in the case of a Competitive Bid Advance, the office of such Lender notified by such Lender to JPMCB, as Administrative Agent, as its Applicable Lending Office with
respect to such Competitive Bid Advance. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Assignment and Acceptance</U>&#148; means an assignment and acceptance entered into
by a Lender and an Eligible Assignee, and accepted by JPMCB, as Administrative Agent, in substantially the form of Exhibit C hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Available Tenor</U>&#148; means, as of any date of determination and with respect to the then-current Benchmark, as applicable, any
tenor for such Benchmark <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(or component thereof) </U></FONT></B>or payment period for interest calculated with reference to such
Benchmark<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> (or component thereof)</U></FONT></B>, as applicable, that is or may be used for determining the length of an Interest
Period <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">for any term rate or otherwise, for determining any frequency of making payments of interest calculated</U></FONT>
</B>pursuant to this Agreement as of such date and not including, for the avoidance of doubt, any tenor for such Benchmark that is then-removed from the definition of &#147;Interest Period&#148; pursuant to clause (f)&nbsp;of Section&nbsp;2.08. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Bail-In</FONT> Action</U>&#148; means the exercise of any Write-Down and Conversion Powers by the
applicable
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>EEA</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B>
<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">Resolution Authority in respect of any liability of an EEA Financial Institution or a UK Financial Institution.
</FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Bail-In</FONT> Legislation</U>&#148; means, (a)&nbsp;with respect to any EEA
Member Country implementing Article 55 of Directive 2014/59/EU of the European Parliament and of the Council of the European Union, the implementing law, regulation rule or requirement for such EEA Member Country from time to time which is described
in the EU <FONT STYLE="white-space:nowrap">Bail-In</FONT> Legislation Schedule and (b)&nbsp;with respect to the United Kingdom, Part I of the United Kingdom Banking Act 2009 (as amended from time to time) and any other law, regulation or rule
applicable in the United Kingdom relating to the resolution of unsound or failing banks, investment firms or other financial institutions or their affiliates (other than through liquidation, administration or other insolvency proceedings). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Base Rate</U>&#148; means a fluctuating interest rate per annum in effect from time to time, which rate per annum shall at all times
be equal to the highest of: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;the Prime Rate; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;1/2 of one percent per annum above the NYFRB Rate; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>(iii)</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;the LIBO Screen Rate for a one-month Interest Period.</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(iii)</U></B>
</FONT><FONT STYLE="font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">A</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">djusted Term SOFR for a <FONT STYLE="white-space:nowrap">one-month</FONT> Interest Period as published two U.S. Government Securities
Business Days prior to such day (or if such day is not a U.S. Government Securities Business Day, the immediately preceding U.S. Government Securities Business Day) plus 1%; provided that, for the purpose of this definition, Adjusted Term SOFR for
any day shall be based on the Term SOFR </U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Reference Rate at approximately 5:00 A.M. Chicago time on such day (or any
amended publication time for the Term SOFR Reference Rate, as specified by the CME Term SOFR Administrator in the Term SOFR Reference Rate methodology). </U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Any change in the Base
Rate due to a change in the Prime Rate, the NYFRB Rate or Adjusted Term SOFR shall be effective from and including the effective date of such change in the Prime Rate, the NYFRB Rate or Adjusted Term SOFR, respectively. If the</U></FONT>
</B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>
<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Base Rate is being used as an alternate rate of interest pursuant to </U></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Section</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>
<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;2.08
</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(for the avoidance of doubt, only until the Benchmark Replacement has been determined pursuant to </U></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Section</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT>
<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;
2.08(b)</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">), then the Base Rate shall be the greater of clauses (i)</U></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;and
</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(ii)</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> above
 and shall be determined without reference to </U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">clause
(iii)</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;above.
 </U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">For</U></FONT>
<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">the avoidance of
doubt,</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">
</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">if the Base</U></FONT>
<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Rate as determined pursuant to the foregoing would be less
than</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">
1.00%</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">,</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">
</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">such rate shall be deemed to be
</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">1.00%</U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> for
 purposes of this Agreement.</U></FONT> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Base Rate Advance</U>&#148; means a Pro Rata Advance that bears interest as provided
in Section&nbsp;2.04(a)(i). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>Base Rate
Interest</u></strike></FONT><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> has
the meaning specified in Section</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.04(a)(i)</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>.</STRIKE></FONT><U></U><FONT
STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></FONT></FONT></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Benchmark</U>&#148; means, initially, <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted Term SOFR</U></FONT></B>;
<U>provided</U>&nbsp;that, if a Benchmark Transition Event<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>, a Term SOFR Transition Event, an
Early</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Opt-in</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Election or an Other Benchmark Rate Election, as
applicable,</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">&nbsp;and its related
Benchmark Replacement Date have occurred with respect to <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted Term SOFR</U></FONT></B> or the then-current Benchmark, then &#147;Benchmark&#148; means the applicable Benchmark Replacement to the
extent that such Benchmark Replacement has replaced such prior benchmark rate pursuant to clause (b)<B> <FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>or clause (c) </STRIKE></FONT></B>of Section&nbsp;2.08.
</FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Benchmark Replacement</U>&#148;<B><I></I></B>&nbsp;means, for any
Available Tenor, the first alternative set forth in the order below that can be determined by JPMCB, as Administrative Agent, for the applicable Benchmark Replacement
Date<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B>
<FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>provided</u></strike></FONT></B><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;that, in the case of an Other
Benchmark Rate Election,
</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Benchmark
Replacement</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> shall mean the alternative set forth in
(3)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;below</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">: </FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>(1) the sum of: (a)</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;Term SOFR and (b)</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;the related Benchmark Replacement Adjustment;</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>2</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">1</U></FONT></B>) <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>the sum of: (a)</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted</U></FONT></B> Daily Simple SOFR<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;and
(b)</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;the related Benchmark Replacement
Adjustment</STRIKE></FONT></B>; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>3</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">2</U></FONT></B>) the sum of: (a)&nbsp;the alternate benchmark rate that has been selected by
JPMCB, as Administrative Agent, and each Borrower as the replacement for the then-current Benchmark for the applicable Corresponding Tenor giving due consideration to (i)&nbsp;any selection or recommendation of a replacement benchmark rate or the
mechanism for determining such a rate by the Relevant Governmental Body or (ii)&nbsp;any evolving or then-prevailing market convention for determining a benchmark rate as a replacement for the then-current Benchmark for Dollar-denominated syndicated
credit facilities at such time <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">in the United States </U></FONT></B>and (b)&nbsp;the related Benchmark Replacement
Adjustment<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U>
</U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>
</STRIKE></FONT><U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>provided</u></strike></FONT></U></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;that, in the case of clause (1), such Unadjusted Benchmark Replacement is displayed on a screen or other information service that
publishes such rate from time to time as selected by JPMCB, as Administrative Agent, in its reasonable
discretion;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>
</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>provided</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> </STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>further</u></strike></FONT></B><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;that, in the case of clause (3), when
such clause is used to determine the Benchmark Replacement in connection with the occurrence of an Other Benchmark Rate Election, the alternate benchmark rate selected by JPMCB, as Administrative Agent, and the Borrower shall be the term benchmark
rate that is used in lieu of a LIBOR-based rate in the relevant other Dollar-denominated syndicated credit facilities;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> </STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>provided</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>further</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;that, notwithstanding anything to the contrary in this</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">
</FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Agreement or in any other Loan Document, upon the occurrence of a Term SOFR Transition Event, and the delivery of a
Term SOFR Notice, on the applicable Benchmark Replacement Date the </STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Benchmark Replacement</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> shall revert to and shall be deemed
to be</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;the sum of
(a)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Term </STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>SOFR and (b)</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;the related Benchmark Replacement Adjustment, as set forth in clause
(1)</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;of this definition (subject to the first proviso
above).</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">.</U></B></FONT><FONT STYLE="font-family:Times New Roman">
</FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">If the Benchmark Replacement as determined pursuant to clause (1)<B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>,</STRIKE></FONT></B> <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or</U></FONT></B> (2<B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>)</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;or
(3</STRIKE></FONT></B>) above would be less than the Floor, the Benchmark Replacement will be deemed to be the Floor for the purposes of this Agreement and the other Loan Documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Benchmark Replacement Adjustment</U>&#148;<B><I></I></B>&nbsp;means, with respect to any replacement of the then-current Benchmark
with an Unadjusted Benchmark Replacement for any applicable Interest Period and Available Tenor for any setting of such Unadjusted Benchmark
Replacement<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>:</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, the spread adjustment,
or method for calculating or determining such spread adjustment, (which may be a positive or negative value or zero) that has been selected by </U></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(1)</STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;for purposes of clauses
(1)</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;and (2)</STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;of the definition of
</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Benchmark Replacement,</STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> the first alternative set forth in the order below that can be determined by JPMCB, as
Administrative Agent:</STRIKE></FONT> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(a) the
spread adjustment, or method for calculating or determining such spread adjustment, (which may be a positive or negative value or zero) as of the Reference Time such Benchmark Replacement is first set for such Interest Period that has been selected
or recommended by the Relevant Governmental Body for the replacement of such Benchmark with the applicable Unadjusted Benchmark Replacement for the applicable Corresponding Tenor;</STRIKE></FONT> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(b) the spread adjustment (which may be a positive or
negative value or zero) as of the Reference Time such Benchmark Replacement is first set for such Interest Period that would apply to the fallback rate for a derivative transaction referencing the ISDA Definitions to be effective upon an index
cessation event with respect to such Benchmark for the applicable Corresponding Tenor; and</STRIKE></FONT> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(2) for purposes of clause
(3)</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;of the definition of
</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Benchmark Replacement,</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U><FONT
STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> the spread adjustment, or method for calculating or determining such spread adjustment, </STRIKE></FONT><U></U><FONT
STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(which may be a positive or negative value or zero) that has been selected
by</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
</STRIKE></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></B><FONT STYLE="font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman"><FONT
STYLE="font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman">JPMCB, as Administrative Agent, and each Borrower for the applicable Corresponding
Tenor giving due consideration to (i)&nbsp;any selection or recommendation of a spread adjustment, or method for calculating or determining such spread adjustment, for the replacement of such Benchmark with the applicable Unadjusted Benchmark
Replacement by the Relevant Governmental Body on the applicable Benchmark Replacement Date or (ii)&nbsp;any evolving or then-prevailing market convention for determining a spread adjustment, or method for calculating or determining such spread
adjustment, for the replacement of such Benchmark with the applicable Unadjusted Benchmark Replacement for Dollar-denominated syndicated credit
facilities<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>;</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>
</STRIKE></FONT></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>provided</u></strike></FONT><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U><FONT
STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;that, in the case of clause (1)</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman"><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;above, such adjustment is displayed on a
screen or other information service that publishes such Benchmark Replacement Adjustment from time to time as selected by JPMCB, as Administrative Agent, in its reasonable discretion.</STRIKE></FONT><U></U><FONT STYLE="font-family:Times New Roman">
</FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">at such time.</U></FONT> </FONT></FONT></FONT></B></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Benchmark Replacement Conforming Changes</U>&#148; means, with respect to any
Benchmark Replacement, any technical, administrative or operational changes (including changes to the definition of &#147;<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Alternate</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">Base Rate<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">,
the definition of
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Business
Day</U></FONT></B>,&#148; the definition of &#147;<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">U.S. Government Securities </U></FONT></B>Business Day,&#148; the definition of
&#147;Interest Period,&#148; timing and frequency of determining rates and making payments of interest, timing of borrowing requests or prepayment, conversion or continuation notices,
<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">the </U></FONT></B>length of lookback periods, the applicability of breakage provisions, and other technical, administrative or
operational matters) that JPMCB, as Administrative Agent, <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">in consultation with the Borrower, </U></FONT></B>decides <B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>in its reasonable discretion</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B>&nbsp;may be appropriate to reflect the adoption and
implementation of <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>such</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR or
the</U></FONT></B> Benchmark Replacement and to permit the administration thereof by JPMCB, as Administrative Agent, in a manner substantially consistent with market practice (or, if JPMCB, as Administrative Agent, decides that adoption of any
portion of such market practice is not administratively feasible or if JPMCB, as Administrative Agent, <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">in consultation with the
Borrower, </U></FONT></B>determines that no market practice for the administration of such Benchmark Replacement exists, in such other manner of administration as JPMCB, as Administrative Agent, <B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">in consultation with the Borrower, </U></FONT></B>decides is reasonably necessary in connection with the administration of this Agreement<B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;and the other Loan Documents</STRIKE></FONT></B>). </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Benchmark Replacement Date</U>&#148; means the earliest to occur of the following events with respect to the then-current Benchmark:
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(1) in the case of clause (1)&nbsp;or (2)&nbsp;of the definition of &#147;Benchmark Transition Event,&#148; the later of (a)&nbsp;the
date of the public statement or publication of information referenced therein and (b)&nbsp;the date on which the administrator of such Benchmark (or the published component used in the calculation thereof) permanently or indefinitely ceases to
provide all Available Tenors of such Benchmark (or such component thereof);<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> or</U></FONT></B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(2) in the case of clause (3)&nbsp;of the definition of &#147;Benchmark Transition Event,&#148; the <B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">first </U></FONT></B>date <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>of the public</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">on which such Benchmark (or the published component used in the calculation thereof) has been determined and announced by the regulatory
supervisor for the administrator of such Benchmark (or such component thereof) to be no longer representative; provided that such <FONT STYLE="white-space:nowrap">non-representativeness</FONT> will be determined by reference </U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">to the most recent</U></FONT></B> statement or publication <B>of
<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>information&nbsp;</STRIKE></FONT></B>referenced <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>therein;</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">in such clause
(c)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;and
 even if any Available Tenor of such Benchmark (or such component thereof) continues to be provided on such date.</U></FONT></B> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(3) in the case of a Term SOFR Transition Event, the date that is thirty (30)</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;days after the date a Term SOFR Notice is provided to the Lenders and each Borrower pursuant to
Section</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.08(c); or</STRIKE></FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(4) in the case of an Early</STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
Opt-in</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Election or an Other Benchmark Rate Election, the sixth (6th) Business Day
after the date notice of such Early</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Opt-in</STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Election or Other Benchmark Rate Election is provided to the Lenders, so long as JPMCB, as
Administrative Agent, has not received, by 5:00 p.m. (New York City time) on the fifth (5th) Business Day after the date notice of such Early</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Opt-in</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
Election or Other Benchmark Rate Election is provided to the Lenders, written notice of objection to such Early</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Opt-</STRIKE></FONT></B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>
<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>in</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Election or Other Benchmark Rate Election from Lenders comprising the Required Lenders.</STRIKE></FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">For the avoidance of doubt, (i)&nbsp;if the event giving rise to the Benchmark Replacement Date occurs on the same day as, but earlier than,
the Reference Time in respect of any determination, the Benchmark Replacement Date will be deemed to have occurred prior to the Reference Time for such determination and (ii)&nbsp;the &#147;Benchmark Replacement Date&#148; will be deemed to have
occurred in the case of clause (1)&nbsp;or (2)&nbsp;with respect to any Benchmark upon the occurrence of the applicable event or events set forth therein with respect to all then-current Available Tenors of such Benchmark (or the published component
used in the calculation thereof). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Benchmark Transition Event</U>&#148;<B><I></I></B>&nbsp;means the occurrence of one or more of
the following events with respect to the then-current Benchmark: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(1) a public statement or publication of information by or on behalf of
the administrator of such Benchmark (or the published component used in the calculation thereof) announcing that such administrator has ceased or will cease to provide all Available Tenors of such Benchmark (or such component thereof), permanently
or indefinitely,<U>&nbsp;provided</U> that, at the time of such statement or publication, there is no successor administrator that will continue to provide any Available Tenor of such Benchmark (or such component thereof); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(2) a public statement or publication of information by the regulatory supervisor for the administrator of such Benchmark (or the published
component used in the calculation thereof), the Federal Reserve Board, the NYFRB, <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">the CME Term SOFR Administrator, </U></FONT></B>an
insolvency official with jurisdiction over the administrator for such Benchmark (or such component), a resolution authority with jurisdiction over the administrator for such Benchmark (or such component) or a court or an entity with similar
insolvency or resolution authority over the administrator for such Benchmark (or such component), <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">in each case, </U></FONT></B>which
states that the administrator of such Benchmark (or such component) has ceased or will cease to provide all Available Tenors of such Benchmark (or such component thereof) permanently or indefinitely;<U>&nbsp;provided</U> that, at the time of such
statement or publication, there is no successor administrator that will continue to provide any Available Tenor of such Benchmark (or such component thereof); or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(3) a public statement or publication of information by the regulatory supervisor for the administrator of such Benchmark (or the published
component used in the calculation thereof) announcing that all Available Tenors of such Benchmark (or such component thereof) are no
longer<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, or as of a specified future date will no longer be,</U></FONT></B> representative. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">For the avoidance of doubt, a &#147;Benchmark Transition Event&#148; will be deemed to have occurred with respect to any Benchmark if a public
statement or publication of information set forth above has occurred with respect to each then-current Available Tenor of such Benchmark (or the published component used in the calculation thereof). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Benchmark Unavailability
Period</U>&#148;<B><I></I></B>&nbsp;means<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, with respect to any Benchmark,</U></FONT></B> the period (if any)&nbsp;(x) beginning at
the time that a Benchmark Replacement Date pursuant to clauses </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

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(1)&nbsp;or (2)&nbsp;of that definition has occurred if, at such time, no Benchmark Replacement has replaced the then-current Benchmark for all purposes hereunder and under any Loan Document in
accordance with Section&nbsp;2.08 and (y)&nbsp;ending at the time that a Benchmark Replacement has replaced the then-current Benchmark for all purposes hereunder and under any Loan Document in accordance with Section&nbsp;2.08. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Beneficial Ownership Certification</U>&#148; means a certification regarding beneficial ownership as required by 31 C.F.R. &#167;
1010.230. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Board</U>&#148; means the Board of Governors of the Federal Reserve System of the United States (or any successor).
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Borrowers</U>&#148; means, collectively, Altria and each Designated Subsidiary that shall become a party to this Agreement
pursuant to Section&nbsp;9.08. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Borrowing</U>&#148; means a Pro Rata Borrowing or a Competitive Bid Borrowing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Business Day</U>&#148; means<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
a</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, any</U></FONT></B> day <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>of the
year</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(other than a Saturday or a Sunday)</U></FONT></B> on which
banks are <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>not required or authorized by law to close in New York City and, if the applicable Business Day relates to any LIBO Rate Advances or Floating Rate Bid Advances, on
which dealings are carried on in the London interbank market and banks are open for business in
London.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">open for business in New York City; provided that, in
addition to the foregoing, a Business Day shall be (a)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;in relation to RFR Advances (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark
Replacement) and any interest rate settings, </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">fundings</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, disbursements, settlements or payments of any such RFR Advance, or any other dealings of such RFR Advance and (b)</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;in
relation to Term SOFR Advances and any interest rate settings, </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">fundings</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, disbursements, settlements or payments of any such Term SOFR Advances or any other dealings of such Term SOFR Advances, any such day that
is also a U.S. Government Securities Business Day.</U></FONT></B> </FONT></FONT></FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Capital Lease
Obligations</U>&#148; has the meaning specified in clause (b)&nbsp;of the definition of the term &#147;Debt&#148; below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Civil
Asset Forfeiture Reform Act</U>&#148; means the Civil Asset Forfeiture Reform Act of 2000 (18 U.S.C. Sections 983 et seq.), as amended from time to time, and any successor statute. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">CME Term SOFR
Administrator</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> means
 CME Group Benchmark Administration Limited as administrator of the forward-looking term Secured Overnight Financing Rate (SOFR) (or a successor administrator as selected by JPMCB, as Administrative Agent, in its reasonable
discretion).</U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Commitment</U>&#148; means as to any Lender
(i)&nbsp;the Dollar amount set forth opposite such Lender&#146;s name on Schedule I hereto or (ii)&nbsp;if such Lender has entered into an Assignment and Acceptance, the Dollar amount set forth for such Lender in the Register maintained by JPMCB, as
Administrative Agent, pursuant to Section&nbsp;9.07(d), in each case as such amount may be reduced pursuant to Section&nbsp;2.10. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Competitive Bid Advance</U>&#148; means an advance by a Lender to any Borrower as
part of a Competitive Bid Borrowing resulting from the competitive bidding procedure described in Section&nbsp;2.07 and refers to a Fixed Rate Bid Advance or a Floating Rate Bid Advance. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Competitive Bid Borrowing</U>&#148; means a borrowing consisting of simultaneous Competitive Bid Advances from each of the Lenders
whose offer to make one or more Competitive Bid Advances as part of such borrowing has been accepted under the competitive bidding procedure described in Section&nbsp;2.07. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Competitive Bid Note</U>&#148; means a promissory note of any Borrower payable to the order of any Lender, in substantially the form
of Exhibit <FONT STYLE="white-space:nowrap">A-2</FONT> hereto, evidencing the indebtedness of such Borrower to such Lender resulting from a Competitive Bid Advance made by such Lender to such Borrower. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Competitive Bid Reduction</U>&#148; has the meaning specified in Section&nbsp;2.01. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Consolidated EBITDA</U>&#148; means, for any accounting period, the consolidated net earnings (or loss) of Altria and its
Subsidiaries plus, without duplication and to the extent included as a separate item on Altria&#146;s consolidated statements of earnings or consolidated statements of cash flows in the case of clauses (a)&nbsp;through (e) for such period, the sum
of (a)&nbsp;provision for income taxes, (b)&nbsp;interest and other debt expense, net, (c)&nbsp;depreciation expense, (d)&nbsp;amortization of intangibles, (e)&nbsp;any extraordinary, unusual or <FONT STYLE="white-space:nowrap">non-recurring</FONT>
expenses or losses or any similar expense or loss subtracted from &#147;Gross profit&#148; in the calculation of &#147;Net earnings&#148; and (f)&nbsp;the portion of loss included on Altria&#146;s consolidated statements of earnings of any Person
(other than a Subsidiary of Altria) in which Altria or any of its Subsidiaries has an ownership interest and any cash that is actually received by Altria or such Subsidiary from such Person in the form of dividends or similar distributions, and
minus, without duplication, the sum of (x)&nbsp;to the extent included as a separate item on Altria&#146;s consolidated statements of earnings for such period, any extraordinary, unusual or <FONT STYLE="white-space:nowrap">non-recurring</FONT>
income or gains or any similar income or gain added to &#147;Gross profit&#148; in the calculation of &#147;Net earnings,&#148; and (y)&nbsp;the portion of income included on Altria&#146;s consolidated statements of earnings of any Person (other
than a Subsidiary of Altria) in which Altria or any of its Subsidiaries has an ownership interest, except to the extent that any cash is actually received by Altria or such Subsidiary from such Person in the form of dividends or similar
distributions, all as determined on a consolidated basis in accordance with accounting principles generally accepted in the United States for such period, except that if there has been a material change in an accounting principle as compared to that
applied in the preparation of the financial statements of Altria and its Subsidiaries as at and for the year ended December&nbsp;31, 2017, then such new accounting principle shall not be used in the determination of Consolidated EBITDA. A material
change in an accounting principle is one that, in the year of its adoption, changes Consolidated EBITDA for any quarter in such year by more than 10%. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Consolidated Interest Expense</U>&#148; means, for any accounting period, total interest expense of Altria and its Subsidiaries with
respect to all outstanding Debt of Altria and its Subsidiaries during such period, all as determined on a consolidated basis for such period and in accordance with accounting principles generally accepted in the United States for such period, except
that if there has been a material change in an accounting principle as compared to that applied in the preparation of the financial statements of Altria and its Subsidiaries as at and for </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

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the year ended December&nbsp;31, 2017, then such new accounting principle shall not be used in the determination of Consolidated Interest Expense. A material change in an accounting principle is
one that, in the year of its adoption, changes Consolidated Interest Expense for any quarter in such year by more than 10%. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Consolidated Tangible Assets</U>&#148; means the total assets appearing on a consolidated balance sheet of Altria and its
Subsidiaries, less goodwill and other intangible assets, the minority interests of other Persons in such Subsidiaries and <FONT STYLE="white-space:nowrap">non-recourse</FONT> debt of Altria and its Subsidiaries, all as determined in accordance with
accounting principles generally accepted in the United States, except that if there has been a material change in an accounting principle as compared to that applied in the preparation of the financial statements of Altria and its Subsidiaries as at
and for the year ended December&nbsp;31, 2017, then such new accounting principle shall not be used in the determination of Consolidated Tangible Assets. A material change in an accounting principle is one that, in the year of its adoption, changes
Consolidated Tangible Assets at any quarter in such year by more than 10%. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Controlled Substances Act</U>&#148; means the
Controlled Substances Act (21 U.S.C. Sections 801 et seq.), as amended from time to time, and any successor statute. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Convert</U>,&#148; &#147;<U>Conversion</U>&#148; and &#147;<U>Converted</U>&#148; each refers to a conversion of Pro Rata Advances of
one Type into Pro Rata Advances of the other Type pursuant to Section&nbsp;2.06, 2.08 or 2.13. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Corresponding Tenor</U>&#148; <B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">means, </U></FONT></B>with respect to any Available
Tenor<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
means</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">, as applicable, either a tenor (including overnight) or an interest payment period having approximately the same length (disregarding business day adjustment) as such
Available Tenor. </FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Cronos</U>&#148; means Cronos Group Inc., a corporation organized and existing under the laws of
the Province of Ontario. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Cronos Closing Date</U>&#148; means the date on which the Cronos Investment is consummated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Cronos Investment</U>&#148; means the acquisition of 45% of the capital stock of Cronos by Altria Summit LLC pursuant to the Cronos
Subscription Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Cronos Subscription Agreement</U>&#148; means the subscription agreement by and among Cronos, Altria
Summit LLC and Altria as in effect on December&nbsp;7, 2018. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Daily Simple SOFR</U>&#148; means, for any day<B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>,</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman">&nbsp;<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(a
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></FONT></B><U>SOFR</U><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>, with
the conventions for this rate (which may include a lookback) being established by JPMCB, as Administrative Agent, in accordance with the conventions for this rate selected or recommended by the Relevant Governmental Body for determining
</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Daily Simple
SOFR</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> for business
loans;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>
</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>provided</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;that, if JPMCB, as Administrative Agent, decides that any such convention is not administratively feasible for JPMCB, as
Administrative Agent, then JPMCB, as Administrative Agent, may establish another convention in its reasonable discretion.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><U> </U><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Rate
Day</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">),
 a rate per annum equal to </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">SOFR for the day that is</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> five
(5)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;U.S.
 Government Securities Business Days</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> prior to (</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">i</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">)</U></FONT>
</B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;if
 such SOFR Rate Day is a </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">U.S. Government</U></FONT></B>
</FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

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<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Securities Business Day</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, such SOFR Rate Day or
(ii)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;if
 such SOFR Rate Day is not a </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">U.S. Government Securities Business Day</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, the
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">U.S. Government Securities Business
Day</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> immediately preceding such SOFR Rate Day, in each case, as such SOFR is published by the SOFR Administrator on
the SOFR
Administrator</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#146;</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">s
 Website</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">.</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Any change in Daily Simple SOFR
</U></FONT></B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">due to a change in SOFR shall be effective from and including the effective date of such change in
SOFR</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> without notice to the Borrower.</U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Debt</U>&#148; means, without duplication, (a)&nbsp;indebtedness for borrowed money or for the deferred purchase price of property or
services, whether or not evidenced by bonds, debentures, notes or similar instruments, (b)&nbsp;obligations as lessee under leases that, in accordance with accounting principles generally accepted in the United States, are recorded as capital leases
under the FASB Accounting Standards Codification <SUP STYLE="font-size:75%; vertical-align:top">&reg;</SUP> (&#147;<U>ASC</U>&#148;) Topic 840 or finance leases under ASC Topic 842 (&#147;<U>Capital Lease Obligations</U>&#148;), (c) obligations as
an account party or applicant under letters of credit (other than trade letters of credit incurred in the ordinary course of business) to the extent such letters of credit are drawn and not reimbursed within five Business Days of such drawing,
(d)&nbsp;the aggregate principal (or equivalent) amount of financing raised through outstanding securitization financings of accounts receivable, and (e)&nbsp;obligations under direct or indirect guaranties in respect of, and obligations (contingent
or otherwise) to purchase or otherwise acquire, or otherwise to assure a creditor against loss (including by way of (i)&nbsp;granting a security interest or other Lien on property or (ii)&nbsp;having a reimbursement obligation under or in respect of
a letter of credit or similar arrangement (to the extent such letter of credit is not collateralized by assets (other than Operating Assets) having a fair value equal to the amount of such reimbursement obligation), in any case in respect of,
indebtedness or obligations of any other Person of the kinds referred to in clause (a), (b), (c) or (d)&nbsp;above). For the avoidance of doubt, the following shall not constitute &#147;Debt&#148; for purposes of this Agreement: (A)&nbsp;any
obligation that is fully <FONT STYLE="white-space:nowrap">non-recourse</FONT> to Altria or any of its Subsidiaries, (B)&nbsp;intercompany debt of Altria or any of its Subsidiaries, (C)&nbsp;any appeal bond or other arrangement to secure a stay of
execution on a judgment or order, <U>provided</U> that any such appeal bond or other arrangement issued by a third party in connection with such arrangement shall constitute Debt to the extent Altria or any of its Subsidiaries has a reimbursement
obligation to such third party that is not collateralized by assets (other than Operating Assets) having a fair value equal to the amount of such reimbursement obligation, (D)&nbsp;unpaid judgments, or (E)&nbsp;defeased indebtedness. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Default</U>&#148; means any event specified in Section&nbsp;6.01 that would constitute an Event of Default but for the requirement
that notice be given or time elapse or both. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Defaulting Lender</U>&#148; means any Lender that has (a)&nbsp;failed to fund any
portion of its Commitments within one Business Day of the date required to be funded by it hereunder, (b)&nbsp;notified Altria or JPMCB, as Administrative Agent, in writing that it does not intend to comply with any of its funding obligations under
this Agreement or has made a public statement to the effect that it does not intend to comply with its funding obligations either under this Agreement or generally under agreements in which it has committed to extend credit, (c)&nbsp;failed, within
three Business Days after written request by JPMCB, as Administrative Agent (whether acting on its own behalf or at the reasonable request of Altria (it being understood that JPMCB, as Administrative Agent, shall comply with any such reasonable
request)), to confirm that it will comply with the terms of this Agreement relating to its obligations to fund prospective Advances; <U>provided</U> that any such Lender shall cease to be a Defaulting Lender under this clause
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

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(c)&nbsp;upon receipt of such confirmation by JPMCB, as Administrative Agent, (d)&nbsp;otherwise failed to pay over to JPMCB, as Administrative Agent, or any other Lender any other amount
required to be paid by it hereunder within three Business Days of the date when due, unless such amount is the subject of a good faith dispute, (e)&nbsp;become the subject of a bankruptcy or insolvency proceeding, or has had a receiver, conservator,
trustee or custodian appointed for it, or has a parent company that has become the subject of a bankruptcy or insolvency proceeding, or has had a receiver, conservator, trustee or custodian appointed for it or (f)&nbsp;has become the subject of a <FONT
STYLE="white-space:nowrap">Bail-In</FONT> Action. No Lender shall be a Defaulting Lender solely by virtue of the ownership or acquisition of any equity interest in such Lender or a parent company thereof by a Governmental Authority or an
instrumentality thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Designated Subsidiary</U>&#148; means any wholly-owned Subsidiary of Altria designated for borrowing
privileges under this Agreement pursuant to Section&nbsp;9.08. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Designation Agreement</U>&#148; means, with respect to any
Designated Subsidiary, an agreement in the form of Exhibit D hereto signed by such Designated Subsidiary and Altria. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Dollars</U>&#148; and the &#147;$&#148; sign each means lawful currency of the United States of America. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Domestic Lending Office</U>&#148; means, with respect to any Lender, the office of such Lender specified as its &#147;Domestic
Lending Office&#148; opposite its name on Schedule I hereto or in the Assignment and Acceptance pursuant to which it became a Lender, or such other office of such Lender as such Lender may from time to time specify to Altria and JPMCB, as
Administrative Agent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&#147;</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman; font-size:10pt" COLOR="#ff0000"><strike><u><B>Early Opt-in Election</B></u></strike></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&#148; means, if the then-current Benchmark is LIBO
Rate, the occurrence of:</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>(1) a notification by JPMCB, as Administrative Agent, to (or the request by any Borrower to JPMCB, as Administrative Agent, to notify) each of the other parties hereto that at least five
currently outstanding Dollar-denominated syndicated credit facilities at such time contain (as a result of amendment or as originally executed) a SOFR-based rate (including SOFR, a Term SOFR or any other rate based upon SOFR) as a benchmark rate
(and such syndicated credit facilities are identified in such notice and are publicly available for review); and</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>(2) the joint election by JPMCB, as Administrative Agent, and each
Borrower to trigger a fallback from LIBO Rate and the provision by JPMCB, as Administrative Agent, of written notice of such election to the Lenders.</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>EEA Financial Institution</U>&#148; means (a)&nbsp;any institution established in any EEA Member Country that is subject to the
supervision of an EEA Resolution Authority, (b)&nbsp;any entity established in an EEA Member Country that is a parent of an institution described in clause (a)&nbsp;of this definition, or (c)&nbsp;any institution established in an EEA Member Country
that is a subsidiary of an institution described in clauses (a)&nbsp;or (b) of this definition and is subject to consolidated supervision with its parent. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>EEA Member Country</U>&#148; means any of the member states of the European Union,
Iceland, Liechtenstein, and Norway. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>EEA Resolution Authority</U>&#148; means any public administrative authority or any Person
entrusted with public administrative authority of any EEA Member Country (including any delegee) having responsibility for the resolution of any EEA Financial Institution. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Effective Date</U>&#148; has the meaning specified in Section&nbsp;3.01. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Electronic Signature</U>&#148; means an electronic sound, symbol, or process attached to, or associated with, a contract or other
record and adopted by a Person with the intent to sign, authenticate or accept such contract or record. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Eligible
Assignee</U>&#148; means (i)&nbsp;a commercial bank organized under the laws of the United States, or any State thereof, and having total assets in excess of $10,000,000,000; (ii) a commercial bank organized under the laws of any other country that
is a member of the Organization for Economic Cooperation and Development (or any successor) (&#147;<U>OECD</U>&#148;), or a political subdivision of any such country, and having total assets in excess of $10,000,000,000, <U>provided</U> that such
bank is acting through a branch or agency located in the country in which it is organized or another country that is also a member of the OECD or the Cayman Islands; (iii)&nbsp;the central bank of any country that is a member of the OECD;
(iv)&nbsp;a commercial finance company or finance Subsidiary of a corporation organized under the laws of the United States, or any State thereof, and having total assets in excess of $6,000,000,000; (v) an insurance company organized under the laws
of the United States, or any State thereof, and having total assets in excess of $10,000,000,000; (vi) any Lender; (vii)&nbsp;an affiliate of any Lender; and (viii)&nbsp;any other bank, commercial finance company, insurance company or other Person
approved in writing by Altria, which approval shall be notified to JPMCB, as Administrative Agent; <U>provided</U>, <U>however</U>, that the term &#147;Eligible Assignee&#148; shall not include a Defaulting Lender or an affiliate of a Defaulting
Lender. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>ERISA</U>&#148; means the Employee Retirement Income Security Act of 1974, as amended from time to time, and the
regulations promulgated and rulings issued thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>ERISA Affiliate</U>&#148; means any Person that for purposes of Title IV
of ERISA is a member of any Borrower&#146;s controlled group, or under common control with any Borrower, within the meaning of Section&nbsp;414 of the Internal Revenue Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>ERISA Event</U>&#148; means (a)&nbsp;(i) the occurrence with respect to a Plan of a reportable event, within the meaning of
Section&nbsp;4043 of ERISA, unless the <FONT STYLE="white-space:nowrap">30-day</FONT> notice requirement with respect thereto has been waived by the Pension Benefit Guaranty Corporation (or any successor) (&#147;<U>PBGC</U>&#148;), or (ii)&nbsp;the
requirements of subsection (1)&nbsp;of Section&nbsp;4043(b) of ERISA (without regard to subsection (2)&nbsp;of such section) are met with respect to a contributing sponsor, as defined in Section&nbsp;4001(a)(13) of ERISA, of a Plan, and an event
described in paragraph (9), (10), (11), (12) or (13)&nbsp;of Section&nbsp;4043(c) of ERISA is reasonably expected to occur with respect to such Plan within the following 30 days; (b)&nbsp;the application for a minimum funding waiver with respect to
a Plan; (c)&nbsp;the provision by the administrator of any Plan of a notice of intent to terminate such Plan, pursuant to Section&nbsp;4041(a)(2) of ERISA (including any such notice with </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

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respect to a plan amendment referred to in Section&nbsp;4041(e) of ERISA); (d) the cessation of operations at a facility of any Borrower or Altria or any of their ERISA Affiliates in the
circumstances described in Section&nbsp;4062(e) of ERISA; (e)&nbsp;the withdrawal by any Borrower or Altria or any of their ERISA Affiliates from a Multiple Employer Plan during a plan year for which it was a substantial employer, as defined in
Section&nbsp;4001(a)(2) of ERISA; (f)&nbsp;the conditions set forth in Section&nbsp;430(k) of the Internal Revenue Code or Section&nbsp;303(k) or 4068 of ERISA to the creation of a lien upon property or rights to property of any Borrower or Altria
or any of their ERISA Affiliates for failure to make a required payment to a Plan are satisfied; (g)&nbsp;the failure to satisfy the minimum funding standards under Section&nbsp;412 or 430 of the Internal Revenue Code or Section&nbsp;302 or 303 of
ERISA, whether or not waived; or (h)&nbsp;the termination of a Plan by the PBGC pursuant to Section&nbsp;4042 of ERISA, or the occurrence of any event or condition described in Section&nbsp;4042 of ERISA that constitutes grounds for the termination
of, or the appointment of a trustee to administer, a Plan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>EU <FONT STYLE="white-space:nowrap">Bail-In</FONT> Legislation
Schedule</U>&#148; means the EU <FONT STYLE="white-space:nowrap">Bail-In</FONT> Legislation Schedule published by the Loan Market Association (or any successor Person), as in effect from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Eurocurrency Liabilities</U>&#148; has the meaning assigned to that term in Regulation D of the Board, as in effect from time to
time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>Eurodollar Lending
Office</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> means,
 with respect to any Lender, the office of such Lender specified as its
</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Eurodollar Lending
Office</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> opposite its name on Schedule I hereto or in the Assignment and Acceptance pursuant to which it became a Lender (or, if no such office is specified, its Domestic Lending Office), or such
other office of such Lender as such Lender may from time to time specify to Altria and JPMCB, as Administrative Agent.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>Eurodollar Rate Reserve
Percentage</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> for any Interest Period, for all LIBO Rate Advances or Floating Rate Bid Advances comprising part of the same Borrowing, means, the reserve percentage applicable two Business Days before
the first day of such Interest Period under regulations issued from time to time by the Board for determining the maximum reserve requirement (including, without limitation, any emergency, supplemental or other marginal reserve requirement) for a
member bank of the Federal Reserve System in New York City with respect to liabilities or assets consisting of or including Eurocurrency Liabilities (or with respect to any other category of liabilities that includes deposits by reference to which
the interest rate on LIBO Rate Advances or Floating Rate Bid Advances is determined) having a term equal to such Interest Period.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Event of Default</U>&#148; has the meaning specified in Section&nbsp;6.01. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Extended Maturity Date</U>&#148; has the meaning specified in Section&nbsp;2.20(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Extension Agreement</U>&#148; has the meaning specified in Section&nbsp;2.20(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>FATCA</U>&#148; means Sections 1471 through 1474 of the Internal Revenue Code as enacted as of the date hereof (without regard to the
delayed effective date of such provisions) or any amended or successor version that is substantively comparable and, in each case, regulations </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

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promulgated thereunder or official interpretations thereof or any agreement entered into pursuant to Section&nbsp;1471(b)(1) of the Internal Revenue Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Federal Bankruptcy Code</U>&#148; means the Bankruptcy Reform Act of 1978, as amended from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Federal Funds Effective Rate</U>&#148; means, for any day, the rate calculated by the NYFRB based on such day&#146;s federal funds
transactions by depositary institutions, as determined in such manner as the NYFRB shall set forth on its public website from time to time, and published on the next succeeding Business Day by the NYFRB as the effective federal funds rate,
<U>provided</U> that if the Federal Funds Effective Rate as so determined would be less than <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>zero</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">the Floor</U></FONT></B>, such rate shall be deemed to be
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>zero</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">the
 Floor</U></FONT></B> for the purposes of this Agreement. </FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Federal Reserve Board</U>&#148; means the Board of
Governors of the Federal Reserve System of the United States of America. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Fixed Rate Bid Advance</U>&#148; means a Competitive
Bid Advance bearing interest based on a fixed rate per annum as specified in the relevant Notice of Competitive Bid Borrowing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Floating Rate Bid Advance</U>&#148; means a Competitive Bid Advance bearing interest at a rate of interest quoted as a margin over
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>the LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted Term SOFR</U></FONT></B> as specified in the
relevant Notice of Competitive Bid Borrowing. </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Floor</U>&#148; means <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>the benchmark rate floor, if any, provided in this Agreement initially (as of the execution of this Agreement, the modification, amendment or renewal of this Agreement or otherwise) with
respect to LIBO Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">0.00%</U></FONT></B>. </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Governmental Authority</U>&#148; means the government of the United States of America, any other nation or any political subdivision
thereof, whether state or local, and any agency, authority, instrumentality, regulatory body, court, central bank or other entity exercising executive, legislative, judicial, taxing, regulatory or administrative powers or functions of or pertaining
to government. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Guarantee</U>&#148; means the guarantee agreement issued by the Guarantor in favor of the Lenders, substantially
in the form of Exhibit E hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Guarantor</U>&#148; means Philip Morris USA Inc., a Virginia corporation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Home Jurisdiction Withholding Taxes</U>&#148; means (a)&nbsp;in the case of Altria and a Designated Subsidiary that is a &#147;United
States Person&#148; within the meaning of Section&nbsp;7701(a)(30) of the Internal Revenue Code, withholding for United States federal income taxes, United States federal <FONT STYLE="white-space:nowrap">back-up</FONT> withholding taxes and United
States withholding taxes and (b)&nbsp;in the case of a Designated Subsidiary, withholding taxes imposed by the jurisdiction under the laws of which such Designated Subsidiary is organized or any political subdivision thereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Interest Period</U>&#148; means, for each <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance comprising part of the
same Pro Rata Borrowing and each Floating Rate Bid Advance comprising part of the same Competitive Bid Borrowing, the period commencing on the date of such <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance or Floating Rate Bid
Advance or the date of Conversion of any Base Rate Advance into such <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance or the last day of the preceding Interest Period applicable to such Advance and ending on the last day of
the period selected by the Borrower requesting such Borrowing pursuant to the provisions below. The duration of each such Interest Period shall be one, three or six months,
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>or, if available to all Lenders, twelve months, as</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">as</U></FONT></B> such Borrower may select upon notice received by JPMCB, as Administrative Agent, not later than 11:00 A.M. (New York City
time) on the third Business Day prior to the first day of such Interest Period; <U>provided</U>, <U>however</U>, that: </FONT></FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) such Borrower may not select any Interest Period that ends after the Termination Date; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) whenever the last day of any Interest Period would otherwise occur on a day other than a Business Day, the last day of such Interest
Period shall be extended to occur on the next succeeding Business Day, <U>provided</U> that if such extension would cause the last day of such Interest Period to occur in the next following calendar month, the last day of such Interest Period shall
occur on the immediately preceding Business Day; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) whenever the first day of any Interest Period occurs on a day of an initial
calendar month for which there is no numerically corresponding day in the calendar month that succeeds such initial calendar month by the number of months equal to the number of months in such Interest Period, such Interest Period shall end on the
last Business Day of such succeeding calendar month. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Internal Revenue Code</U>&#148; means the Internal Revenue Code of 1986, as
amended from time to time, and the regulations promulgated and the rulings issued thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>ISDA
Definitions</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> means the 2006 ISDA Definitions published by the International Swaps and Derivatives Association, Inc. or any successor thereto, as amended or supplemented from time to time, or any
successor definitional booklet for interest rate derivatives published from time to time by the International Swaps and Derivatives Association, Inc. or such successor thereto.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">
</FONT></FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>JPMCB&#146;s Administrative Agent Account</U>&#148; means (a)&nbsp;the account of JPMCB, as Administrative
Agent, maintained by JPMCB, as Administrative Agent, at JPMorgan Chase Bank, N.A., Loan and Agency, 1111 Fannin Street, Houston, Texas 77002, Account No. 9008113381H0301, Reference: Altria Group, Inc., Attention: Account Manager, or (b)&nbsp;JPMCB,
as Administrative Agent, as is designated in writing from time to time by JPMCB, as Administrative Agent, to Altria and the Lenders for such purpose. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Lenders</U>&#148; means the Initial Lenders and their respective successors and permitted assignees. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Lending
Office</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> means,
 with respect to any Lender, the office of such Lender specified as its </U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Lending
Office</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> opposite
 its name on Schedule I hereto or in the</U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

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<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Assignment and Acceptance pursuant to which it became a Lender (or, if no such
office is specified, its Domestic Lending Office), or such other office of such Lender as such Lender may from time to time specify to Altria and JPMCB, as Administrative Agent.</U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>LIBO
Rate</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> means,
 with respect to any LIBO Rate Advance for any Interest Period, the LIBO Screen Rate at approximately 11:00 a.m., London time, two Business Days prior to the commencement of such Interest Period.</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>LIBO Rate
Advance</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000">
<STRIKE> means a Pro Rata Advance that bears interest as provided in Section</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.04(a)(ii)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>LIBO Rate
Interest</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000">
<STRIKE> has the meaning specified in Section</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.04(a)(ii)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>LIBO Screen
Rate</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> means,
 for any day and time, with respect to any LIBO Rate Advance for any Interest Period, the London interbank offered rate as administered by ICE Benchmark Administration (or any other Person that takes over the administration of such rate for Dollars)
for a period equal in length to such Interest Period, displayed on such day and time on pages LIBOR01 or LIBOR02 of the Reuters screen that displays such rate (or, in the event such rate does not appear on a Reuters page or screen, on any successor
or substitute page on such screen that displays such rate, or on the appropriate page of such other information service that publishes such rate from time to time as selected by JPMCB, as Administrative Agent, in its reasonable
discretion);</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>provided</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;that if the LIBO Screen Rate as so determined would be less than zero, such rate shall be deemed to be zero for the purposes of
this Agreement.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Lien</U>&#148; has the meaning specified in Section&nbsp;5.02(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Loan Documents</U>&#148; mean this Agreement, any extension agreement, the Notes and any amendment, waiver, supplement or other
modification to any of the foregoing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Major Subsidiary</U>&#148; means any Subsidiary (a)&nbsp;more than 50% of the voting
securities of which is owned directly or indirectly by Altria, (b)&nbsp;which is organized and existing under, or has its principal place of business in, the United States or any political subdivision thereof, Canada or any political subdivision
thereof, any country which is a member of the European Union on the date hereof (other than Greece, Portugal or Spain) or any political subdivision thereof, or Switzerland, Norway or Australia or any of their respective political subdivisions, and
(c)&nbsp;which has at any time total assets (after intercompany eliminations) exceeding $1,000,000,000. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Margin Stock</U>&#148;
means margin stock, as such term is defined in Regulation U. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Maturity Date</U>&#148; means August <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>[</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">1<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>]</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman">, 2023. </FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Moody&#146;s</U>&#148; means Moody&#146;s Investors Service, Inc., and
any successor to its rating agency business. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Multiemployer Plan</U>&#148; means a multiemployer plan, as defined in
Section&nbsp;4001(a)(3) of ERISA, to which any Borrower or any ERISA Affiliate is making or accruing an </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

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obligation to make contributions, or has within any of the preceding five plan years made or accrued an obligation to make contributions, such plan being maintained pursuant to one or more
collective bargaining agreements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Multiple Employer Plan</U>&#148; means a single employer plan, as defined in
Section&nbsp;4001(a)(15) of ERISA, that (a)&nbsp;is maintained for employees of any Borrower or any ERISA Affiliate and at least one Person other than such Borrower and the ERISA Affiliates or (b)&nbsp;was so maintained and in respect of which such
Borrower or any ERISA Affiliate could have liability under Section&nbsp;4064 or 4069 of ERISA in the event such plan has been or were to be terminated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Note</U>&#148; means a Pro Rata Note or a Competitive Bid Note. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Notice of Competitive Bid Borrowing</U>&#148; has the meaning specified in Section&nbsp;2.07(b). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Notice of Pro Rata Borrowing</U>&#148; has the meaning specified in Section&nbsp;2.02(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>NYFRB</U>&#148; means the Federal Reserve Bank of New York. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>NYFRB Rate</U>&#148; means, for any day, the greater of (a)&nbsp;the Federal Funds Effective Rate in effect on such day and
(b)&nbsp;the Overnight Bank Funding Rate in effect on such day (or for any day that is not a Business Day, for the immediately preceding Business Day); <U>provided</U> that if neither of such rates is published for any day that is a Business Day,
the term &#147;NYFRB Rate&#148; means the rate for a federal funds transaction quoted at <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>11:00 a.m</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">11:00 A.M</U></FONT></B>. on such day received by JPMCB, as Administrative Agent, from a federal funds broker of recognized standing selected
by it<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">;
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">provided, further, that if any of the aforesaid rates as so determined be less than the Floor, such rate shall be
deemed to be the Floor for purposes of this Agreement</U></FONT></B>. </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Obligations</U>&#148; has the meaning specified in
Section&nbsp;8.01. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Operating Assets</U>&#148; means, for any accounting period, any assets included in the consolidated balance
sheet of Altria and its Subsidiaries as &#147;Inventories,&#148; or &#147;Property, plant and equipment&#148; or &#147;Receivables&#148; for such period. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>Other Benchmark Rate
Election</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000">
<STRIKE> means if the then-current Benchmark is the LIBO Rate, the occurrence of:</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>(1) a request by any Borrower to JPMCB, as Administrative Agent, to
notify each of the other parties hereto that, at the determination of the Borrower, Dollar-denominated syndicated credit facilities at such time contain (as a result of amendment or as originally executed), in lieu of a LIBOR-based rate, a term
benchmark rate as a benchmark rate; and</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>(2) JPMCB, as Administrative Agent, in its sole discretion, and Borrower jointly elect to trigger a fallback from the LIBO Rate and the provision, as applicable, by JPMCB, as
Administrative Agent, of written notice of such election to Borrower and the Lenders.</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Other Taxes</U>&#148; has the meaning specified in Section&nbsp;2.15(b). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Overnight Bank Funding Rate</U>&#148; means, for any day, the rate comprised of both overnight federal funds and overnight <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO rate
borrowings</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">eurodollar</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> transactions denominated in Dollars</U></FONT></B> by U.S.-managed banking offices of depository institutions (as such composite rate shall
be determined by the NYFRB as set forth on its public website from time to time) and published on the next succeeding Business Day by the NYFRB as an overnight bank funding
rate<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;(from and after
such date as the NYFRB shall commence to publish such composite rate) ;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;provided</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>, that if the Overnight Bank Funding Rate shall be less than zero, such rate shall be deemed to be zero for purposes of this Agreement</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman">. </FONT></FONT></FONT></FONT></FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Patriot Act</U>&#148; has the meaning specified
in Section&nbsp;9.14. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Person</U>&#148; means an individual, partnership, corporation (including a business trust), joint stock
company, trust, unincorporated association, joint venture, limited liability company or other entity, or a government or any political subdivision or agency thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Plan</U>&#148; means a Single Employer Plan or a Multiple Employer Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Prime Rate</U>&#148; means the rate of interest last quoted by The Wall Street Journal as the &#147;Prime Rate&#148; in the U.S. or,
if The Wall Street Journal ceases to quote such rate, the highest per annum interest rate published by the Federal Reserve Board in Federal Reserve Statistical Release H.15 (519) (Selected Interest Rates) as the &#147;bank prime loan&#148; rate or,
if such rate is no longer quoted therein, any similar rate quoted therein (as determined by JPMCB, as Administrative Agent) or any similar release by the Federal Reserve Board (as determined by JPMCB, as Administrative Agent). Each change in the
Prime Rate shall be effective from and including the date such change is publicly announced or quoted as being effective. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Pro
Rata Advance</U>&#148; means an advance by a Lender to any Borrower as part of a Pro Rata Borrowing and refers to a Base Rate Advance<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;or a LIBO Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, a Term SOFR Advance or a RFR</U></FONT></B> Advance
(<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark Replacement)
(</U></FONT></B>each of which shall be a &#147;<U>Type</U>&#148; of Pro Rata Advance). </FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Pro Rata
Borrowing</U>&#148; means a borrowing consisting of simultaneous Pro Rata Advances of the same Type made by each of the Lenders pursuant to Section&nbsp;2.01. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Pro Rata Note</U>&#148; means a promissory note of any Borrower payable to the order of any Lender, delivered pursuant to a request
made under
Section<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
2.18</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">2.19</U></FONT></B> in substantially the form of Exhibit <FONT
STYLE="white-space:nowrap">A-1</FONT> hereto, evidencing the aggregate indebtedness of such Borrower to such Lender resulting from the Pro Rata Advances made by such Lender to such Borrower. </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Reference Time</U>&#148; with respect to any setting of the then-current Benchmark means (1)&nbsp;if such Benchmark is <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate, 11:00 a.m. (London
time)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted Term SOFR, 5:00 A.M., Chicago
time,</U></FONT></B> on the day that is two <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>London banking days</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">U.S. Government Securities Business Days</U></FONT></B> preceding the date of such setting, <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>and</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">(2) if such Benchmark is <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>not LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted Daily Simple SOFR, four Business Days prior to
such setting and
(3)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;if
 such Benchmark is none of Adjusted Term SOFR or Adjusted Daily Simple SOFR</U></FONT></B>, the time </FONT></FONT></FONT></FONT></FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

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determined by JPMCB, as Administrative Agent, in its reasonable discretion<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> in
consultation with the Borrower</U></FONT></B>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Register</U>&#148; has the meaning specified in Section&nbsp;9.07(d). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Regulation A</U>&#148; means Regulation A of the Board, as in effect from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Regulation U</U>&#148; means Regulation U of the Board, as in effect from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Relevant Governmental Body</U>&#148; means the Federal Reserve Board and/or the NYFRB, or a committee officially endorsed or convened
by the Federal Reserve Board and/or the NYFRB or, in each case, any successor thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Required Lenders</U>&#148; means at any
time Lenders owed at least 50.1% of the then aggregate unpaid principal amount of the Pro Rata Advances owing to Lenders, or, if no such principal amount is then outstanding, Lenders having at least 50.1% of the Commitments. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Resolution Authority</U>&#148; means an EEA Resolution Authority or, with respect to any UK Financial Institution, a UK Resolution
Authority. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR
Advance</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> means
 an Advance that bears interest at a rate based on Adjusted Daily Simple SOFR.</U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR
Borrowing</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> means,
 as to any Borrowing, the RFR Advances comprising such Borrowing.</U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Sanctioned Country</U>&#148; means, at any time, a country, region or territory that is itself the subject or target of any Sanctions
(at the Effective Date, Crimea, Cuba, Iran, North Korea<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
and</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">,</U></FONT></B> Syria<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, the <FONT STYLE="white-space:nowrap">so-called</FONT> Donetsk People</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#146;</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">s
Republic and the <FONT STYLE="white-space:nowrap">so-called</FONT> Luhansk People</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#146;</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">s Republic</U></FONT></B>). </FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Sanctioned Person</U>&#148; means, at any time, (a)&nbsp;any Person listed in any Sanctions-related list of designated Persons
maintained by the Office of Foreign Assets Control of the U.S. Department of the Treasury, the United Nations Security Council, the European Union, any European Union member state or Her Majesty&#146;s Treasury of the United Kingdom, (b)&nbsp;any
Person operating, organized or resident in a Sanctioned Country, to the extent such Person is subject to Sanctions, or (c)&nbsp;any Person controlled or more than 50% owned by any such Person or Persons described in the foregoing clauses (a)&nbsp;or
(b). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Sanctions</U>&#148; means economic or financial sanctions or trade embargoes imposed, administered or enforced from time to
time by (a)&nbsp;the U.S. government, including those administered by the Office of Foreign Assets Control of the U.S. Department of the Treasury or the U.S. Department of State, or (b)&nbsp;the United Nations Security Council, the European Union,
any European Union member state or Her Majesty&#146;s Treasury of the United Kingdom. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Single Employer Plan</U>&#148; means a
single employer plan, as defined in Section&nbsp;4001(a)(15) of ERISA, that (a)&nbsp;is maintained for employees of any Borrower or any ERISA Affiliate and no Person other than such Borrower and the ERISA Affiliates or (b)&nbsp;was so
</P>
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maintained and in respect of which such Borrower or any ERISA Affiliate could have liability under Section&nbsp;4069 of ERISA in the event such plan has been or were to be terminated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>SOFR</U>&#148; means<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>, with respect to any Business
Day,</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">&nbsp;a rate per annum equal to
the secured overnight financing rate <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>published for such Business Day published</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">as administered</U></FONT></B> by the SOFR
Administrator<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;on the
SOFR Administrator</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#146;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>s Website on the immediately succeeding Business Day</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">. </FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>SOFR Administrator</U>&#148; means the NYFRB (or a successor administrator of the secured overnight financing rate). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>SOFR Administrator&#146;s Website</U>&#148; means the NYFRB&#146;s Website, currently at http://www.newyorkfed.org, or any successor
source for the secured overnight financing rate identified as such by the SOFR Administrator from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Standard</U><U></U><U>&nbsp;&amp; Poor&#146;s</U>&#148; means Standard&nbsp;&amp; Poor&#146;s Ratings Services, a division of The
McGraw-Hill Companies, Inc., and any successor to its ratings agency business. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Subsidiary</U>&#148; of any Person means any
corporation or limited liability company of which (or in which) more than 50% of the outstanding equity interests having voting power to elect a majority of the Board of Directors of such entity (irrespective of whether at the time equity interests
of any other class or classes of such entity shall or might have voting power upon the occurrence of any contingency) is at the time directly or indirectly owned or controlled by such Person, by such Person and one or more of its other Subsidiaries
or by one or more of such Person&#146;s other Subsidiaries. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Taxes</U>&#148; has the meaning specified in Section&nbsp;2.15. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Term SOFR</U>&#148; means, <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>for the applicable
Corresponding Tenor as of the applicable Reference Time, the forward-looking term rate based on SOFR that has been selected or recommended by the Relevant Governmental Body.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">with respect to any Adjusted Term SOFR Borrowing and for any tenor comparable to the applicable Interest Period, the Term SOFR Reference Rate
at approximately 5:00 A.M., Chicago time, two U.S. Government Securities Business Days prior to the commencement of such tenor comparable to the applicable Interest Period, as such rate is published by the CME Term SOFR Administrator.</U></FONT></B>
</FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Term SOFR
</U><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>Notice</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> means a notification by JPMCB, as Administrative Agent, to the Lenders and each Borrower of the occurrence of a Term SOFR Transition
Event</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Advance</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">
means a Pro Rata Advance that bears interest as provided in Section</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;2.04(a)(ii)</U></FONT></B>. </FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>Term SOFR Transition
Event</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE> means
 the determination by JPMCB, as Administrative Agent, that (a)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Term SOFR has been recommended for use by the Relevant Governmental Body, (b)</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;the
 administration of Term SOFR is administratively feasible for JPMCB, as Administrative Agent, and
(c)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;a Benchmark Transition Event or an
Early</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Opt-in</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Election, as applicable (and, for the avoidance of doubt, not in the case of an Other</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

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<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Benchmark Rate Election), has previously occurred resulting in a Benchmark Replacement in accordance with
Section</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.08 that is not Term SOFR.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"> </FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR Reference
Rate</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> means,
 for any day and time (such day, the
</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term
SOFR Determination
Day</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">),
 with respect to any Adjusted Term SOFR Borrowing and for any tenor comparable to the applicable Interest Period, the rate per annum published by the CME Term SOFR Administrator and identified by the Administrative Agent as the forward-looking term
rate based on SOFR. If by 5:00 P.M. (New&nbsp;York City time) on such Term SOFR Determination Day, the
</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term
SOFR Reference
Rate</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> for
 the </U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">applicable tenor has not been published by the CME Term SOFR Administrator and a Benchmark Replacement Date with
respect to Term SOFR has not occurred, then, so long </U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">as such day is a U.S. Government Securities Business Day, the
Term SOFR Reference Rate for such Term SOFR Determination Day will be the Term SOFR Reference Rate as published in respect of the first preceding U.S. Government Securities Business Day for which such Term SOFR Reference Rate was published by the
CME Term SOFR Administrator, so long as such first preceding U.S. Government Securities Business Day is not more than five
(5)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;U.S.
 Government Securities Business Days prior to such Term SOFR Determination Day.</U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Termination Date</U>&#148; means the earlier to occur of (a)&nbsp;the later of (i)&nbsp;the Maturity Date and (ii)&nbsp;the Extended
Maturity Date and (b)&nbsp;in each case, the date of termination in whole of the Commitments pursuant to Section&nbsp;2.10 or 6.02. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>UK Financial Institution</U>&#148; means any BRRD Undertaking (as such term is defined under the PRA Rulebook (as amended from time
to time) promulgated by the United Kingdom Prudential Regulation Authority) or any person falling within IFPRU 11.6 of the FCA Handbook (as amended from time to time) promulgated by the United Kingdom Financial Conduct Authority, which includes
certain credit institutions and investment firms, and certain affiliates of such credit institutions or investment firms. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>UK
Resolution Authority</U>&#148; means the Bank of England or any other public administrative authority having responsibility for the resolution of any UK Financial Institution. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Unadjusted Benchmark Replacement</U>&#148;<B><I></I></B>&nbsp;means the applicable Benchmark Replacement excluding the related
Benchmark Replacement Adjustment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#147;</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">U.S. Government Securities Business
Day</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#148;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> means
 any day except for
(a)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;a
 Saturday,
(b)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;a
 Sunday or
(c)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;a
 day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in United States government securities.</U></B></FONT><FONT
STYLE="font-family:Times New Roman"> </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Withholding Agent</U>&#148; means any Borrower, the Guarantor and the Administrative
Agents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<U>Write-Down and Conversion Powers</U>&#148; means, (a)&nbsp;with respect to any EEA Resolution Authority, the write-down
and conversion powers of such EEA Resolution Authority from time to time under the <FONT STYLE="white-space:nowrap">Bail-In</FONT> Legislation for the applicable EEA Member Country, which write-down and conversion powers are described in the EU <FONT
STYLE="white-space:nowrap">Bail-In</FONT> Legislation Schedule and (b)</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

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with respect to the United Kingdom, any powers of the applicable Resolution Authority under the <FONT STYLE="white-space:nowrap">Bail-In</FONT> Legislation to cancel, reduce, modify or change the
form of a liability of any UK Financial Institution or any contract or instrument under which that liability arises, to convert all or part of that liability into shares, securities or obligations of that person or any other person, to provide that
any such contract or instrument is to have effect as if a right had been exercised under it or to suspend any obligation in respect of that liability or any of the powers under that <FONT STYLE="white-space:nowrap">Bail-In</FONT> Legislation that
are related to or ancillary to any of those powers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.02&nbsp;&nbsp;&nbsp;&nbsp;<U>Computation of Time Periods</U>. In this
Agreement in the computation of periods of time from a specified date to a later specified date, the word &#147;from&#148; means &#147;from and including&#148; and the words &#147;to&#148; and &#147;until&#148; each mean &#147;to but
excluding.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.03&nbsp;&nbsp;&nbsp;&nbsp;<U>Accounting Terms</U>. All accounting terms not specifically defined herein
shall be construed in accordance with accounting principles generally accepted in the United States of America, except that if there has been a material change in an accounting principle affecting the definition of an accounting term as compared to
that applied in the preparation of the financial statements of Altria as of and for the year ended December&nbsp;31, 2017, then such new accounting principle shall not be used in the determination of the amount associated with that accounting term.
A material change in an accounting principle is one that, in the year of its adoption, changes the amount associated with the relevant accounting term for any quarter in such year by more than 10%. For the avoidance of doubt, any obligations
relating to a lease accounted for by any Borrower as an operating lease under ASC Topic 840 or under ASC Topic 842 shall be accounted for as an operating lease and not a Capital Lease Obligation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.04&nbsp;&nbsp;&nbsp;&nbsp;<U>Interest Rates;
</U><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>LIBOR</u></strike></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Benchmark</U></FONT></B><U>
Notification</U>. The interest rate on <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate Advances is determined by reference to the LIBO Rate, which is derived from the London interbank offered rate
(</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>LIBOR</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U>
<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>). LIBOR is intended to represent the rate at which contributing banks may obtain short-term borrowings from each other in the London interbank market. On March 5, 2021, the U.K.
Financial Conduct Authority
(</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>FCA</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U>
<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>) publicly announced that,
(a)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;immediately after December 31, 2021, publication of all seven euro LIBOR settings, all seven Swiss Franc LIBOR settings, the spot next, 1-week, 2-month and 12-month Japanese Yen LIBOR
settings, the overnight, 1-week, 2-month and 12-month British Pound</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Sterling LIBOR settings, and the 1-week and 2-month Dollar LIBOR settings will permanently cease; immediately after June 30, 2023,
publication of the overnight and 12-month Dollar LIBOR settings will permanently cease;
(b)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;immediately after December 31, 2021, the 1-month, 3-month and 6-month Japanese Yen LIBOR settings and the 1-month, 3-month and 6-month British Pound</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Sterling
 LIBOR settings will cease to be provided or, subject to consultation by the FCA, be provided on a changed methodology (or </STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>synthetic</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>) basis and no longer be representative of the underlying market and economic reality they are intended to measure and that representativeness will not be restored; and
(c)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;immediately after June 30, 2023, the 1-month, 3-month and 6-month Dollar LIBOR settings will cease to be provided or, subject to the FCA</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#146;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>s consideration of the case, be provided on a synthetic basis and no longer be representative of the underlying market and economic reality they are intended to measure and that
representativeness will not be restored. There is no assurance that dates announced by the FCA will not change or that the administrator of LIBOR and/or regulators will not take further action that could impact the availability, composition, or
characteristics of LIBOR</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">
</FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

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<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>or the currencies and/or tenors for which LIBOR is published. Each party to this agreement should consult its own
advisors to stay informed of any such developments.</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;Public and private sector industry initiatives are currently underway to identify new or alternative reference rates to be used in
place of LIBOR</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Borrowings denominated in dollars may be derived
from an interest rate benchmark that may be discontinued or is, or may in the future become, the subject of regulatory reform</U></FONT></B>. Upon the occurrence of a Benchmark Transition Event, <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>a Term SOFR Transition Event, an Early Opt-in Election or an Other Benchmark Rate Election,</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">Section 2.08(b) and
(c)&nbsp;provide the mechanism for determining an alternative rate of interest. JPMCB, as Administrative Agent, will promptly notify each Borrower, pursuant to Section&nbsp;2.08(e), of any change to the reference rate upon which the interest rate on
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">any</U></FONT></B> Borrowings is based. However, JPMCB, as
Administrative Agent, does not warrant or accept any responsibility for, and shall not have any liability with respect to, the administration,
submission<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, performance</U></FONT></B> or any other matter related to
<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBOR or other rates in the definition of </STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">any interest
rate used in this Agreement,</U></FONT></B> or with respect to any alternative or successor rate thereto, or replacement rate thereof<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><B>&nbsp;<FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(including, without limitation,
(i)</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;
</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>any such alternative, successor or replacement rate implemented pursuant to
Section</STRIKE></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT>&nbsp;<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>2.0</STRIKE></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>8(b) or (c), whether upon the occurrence of a Benchmark Transition Event, a Term SOFR Transition Event, an Early Opt-in Election or an Other Benchmark Rate Election, and
(ii)</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;the implementation of any Benchmark Replacement Conforming
Changes pursuant to Section</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.08(d))</STRIKE></FONT></B>,
including without limitation, whether the composition or characteristics of any such alternative, successor or replacement reference rate will be similar to, or produce the same value or economic equivalence of, the <B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">existing interest rate being
replaced</U></FONT></B> or have the same volume or liquidity as did
<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBOR</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">any existing interest
rate</U></FONT></B> prior to its discontinuance or unavailability.<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> </U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">JPMCB, as Administrative
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Agent,
and</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> its affiliates and/or other related entities may engage in transactions that affect the calculation of any
interest rate used in this Agreement or any alternative, successor or alternative rate (including any Benchmark Replacement) and/or any relevant adjustments thereto, in each case, in a manner adverse to the Borrower. JPMCB, as Administrative Agent,
may select information sources or services in its reasonable discretion to ascertain any interest rate used in this Agreement, any component thereof, or rates referenced in the definition thereof, in each case pursuant to the terms of this
Agreement, and shall have no liability to the Borrower, any </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Lender</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> or any other person or entity for damages of any kind, including direct or indirect, special, punitive, incidental or consequential damages,
costs, losses or expenses (whether in tort, contract or otherwise and whether at law or in equity), for any error or calculation of any such rate (or component thereof) provided by any such information source or service.</U></FONT></B>
</FONT></FONT></FONT></FONT></FONT></FONT></P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE II </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">AMOUNTS AND TERMS OF THE ADVANCES </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.01&nbsp;&nbsp;&nbsp;&nbsp;<U>The Pro Rata Advances</U>. (a)<U>&nbsp;Obligation to Make Pro Rata Advances</U>. Each Lender
severally agrees, on the terms and conditions hereinafter set forth, to make Pro Rata Advances to any Borrower from time to time on any Business Day during the period from the Effective Date until the Termination Date in an aggregate amount not to
exceed at any time outstanding such Lender&#146;s Commitment; <U>provided</U>, <U>however</U>, that the aggregate amount of the Commitments of the Lenders shall be deemed used from time to time to the extent
</P>
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of the aggregate amount of the Competitive Bid Advances then outstanding and such deemed use of the aggregate amount of the Commitments shall be allocated among the Lenders ratably according to
their respective Commitments (such deemed use of the aggregate amount of the Commitments being a &#147;<U>Competitive Bid Reduction</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Amount of Pro Rata Borrowings</U>. Each Pro Rata Borrowing shall be in an aggregate amount of no less than
$50,000,000 or an integral multiple of $1,000,000 in excess thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Type of Pro Rata Advances</U>. Each
Pro Rata Borrowing shall consist of Pro Rata Advances of the same Type made on the same day by the Lenders ratably according to their respective Commitments. Within the limits of each Lender&#146;s Commitment and subject to this Section&nbsp;2.01,
any Borrower may borrow under this Section&nbsp;2.01, prepay pursuant to Section&nbsp;2.11 or repay pursuant to Section&nbsp;2.03 and reborrow under this Section&nbsp;2.01. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.02&nbsp;&nbsp;&nbsp;&nbsp;<U>Making the Pro Rata Advances</U>. (a)<U>&nbsp;Notice of Pro Rata Borrowing</U>. Each Pro Rata
Borrowing shall be made on notice, given not later than (x) 11:00 A.M. (New York City time) on the third Business Day prior to the date of the proposed Pro Rata Borrowing in the case of a Pro Rata Borrowing consisting of <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate Advances, or
(y</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR Advances, (y) 11:00 A.M. (New York City time) on
the fifth Business Day prior to the date of the proposed Pro Rata Borrowing in the case of a Pro Rata Borrowing consisting of RFR Advances
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(if applicable after the effectiveness of a Benchmark Replacement)</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> or (z</U></FONT></B>) 9:00 A.M. (New York City time) on the date of the proposed Pro Rata Borrowing in the case of a Pro Rata Borrowing
consisting of Base Rate Advances, by the Borrower to JPMCB, as Administrative Agent, which shall give to each Lender prompt notice thereof by telecopier or <FONT STYLE="white-space:nowrap">e-mail.</FONT> Each such notice of a Pro Rata Borrowing (a
&#147;<U>Notice of Pro Rata Borrowing</U>&#148;) shall be by telephone, confirmed immediately in writing, by telecopier or <FONT STYLE="white-space:nowrap">e-mail</FONT> in substantially the form of Exhibit
<FONT STYLE="white-space:nowrap">B-1</FONT> hereto, specifying therein the requested: </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;date of such Pro
Rata Borrowing, </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;Type of Advances comprising such Pro Rata Borrowing, </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;aggregate amount of such Pro Rata Borrowing, and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;in the case of a Pro Rata Borrowing consisting of <B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances, the
initial Interest Period for each such Pro Rata Advance. Notwithstanding anything herein to the contrary, no Borrower may select <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances for any Pro Rata Borrowing if the obligation of the Lenders to make <B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances shall
then be suspended pursuant to
<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>Section</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.08</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Section</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">
2.08</U></FONT></B> or 2.13. </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Funding Pro Rata Advances</U>. Each Lender shall, before 11:00 A.M.
(New York City time) on the date of such Pro Rata Borrowing, make available for the account of its Applicable Lending Office to JPMCB, as Administrative Agent, at JPMCB&#146;s Administrative Agent Account, in same day funds, such Lender&#146;s
ratable portion of such Pro Rata Borrowing. After receipt of such funds by JPMCB, as Administrative Agent, and upon fulfillment of the applicable conditions set forth in Article III, JPMCB, as Administrative Agent, will make such
</P>
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funds available to the relevant Borrower at the address of JPMCB, as Administrative Agent, referred to in Section&nbsp;9.02. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Irrevocable Notice</U>. Each Notice of Pro Rata Borrowing of any Borrower shall be irrevocable and binding on
such Borrower. In the case of any Pro Rata Borrowing that the related Notice of Pro Rata Borrowing specifies is to be comprised of <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances, the Borrower requesting such Pro Rata Borrowing shall
indemnify each Lender against any loss, cost or expense incurred by such Lender as a result of any failure to fulfill on or before the date specified in such Notice of Pro Rata Borrowing for such Pro Rata Borrowing the applicable conditions set
forth in Article III, including, without limitation, any loss (excluding loss of anticipated profits), cost or expense incurred by reason of the liquidation or reemployment of deposits or other funds acquired by such Lender to fund the Pro Rata
Advance to be made by such Lender as part of such Pro Rata Borrowing when such Pro Rata Advance, as a result of such failure, is not made on such date. </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>Lender&#146;s Ratable Portion</U>. Unless JPMCB, as Administrative Agent, shall have received notice from a
Lender prior to 11:00 A.M. (New York City time) on the day of any Pro Rata Borrowing that such Lender will not make available to JPMCB, as Administrative Agent, such Lender&#146;s ratable portion of such Pro Rata Borrowing, JPMCB, as Administrative
Agent, may assume that such Lender has made such portion available to JPMCB, as Administrative Agent, on the date of such Pro Rata Borrowing in accordance with Section&nbsp;2.02(b) and JPMCB, as Administrative Agent, may, in reliance upon such
assumption, make available to the Borrower proposing such Pro Rata Borrowing on such date a corresponding amount. If and to the extent that such Lender shall not have so made such ratable portion available to JPMCB, as Administrative Agent, such
Lender and such Borrower severally agree to repay to JPMCB, as Administrative Agent, forthwith on demand such corresponding amount together with interest thereon, for each day from the date such amount is made available to such Borrower until the
date such amount is repaid to JPMCB, as Administrative Agent, at: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;in the case of such
Borrower, the higher of (A)&nbsp;the interest rate applicable at the time to Pro Rata Advances comprising such Pro Rata Borrowing and (B)&nbsp;the cost of funds incurred by JPMCB, as Administrative Agent, in respect of such amount, and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;in the case of such Lender, the Federal Funds Effective Rate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If such Lender shall repay to JPMCB, as Administrative Agent, such corresponding amount, such amount so repaid shall constitute such Lender&#146;s Pro Rata
Advance as part of such Pro Rata Borrowing for purposes of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<U>Independent Lender
Obligations</U>. The failure of any Lender to make the Pro Rata Advance to be made by it as part of any Pro Rata Borrowing shall not relieve any other Lender of its obligation, if any, hereunder to make its Pro Rata Advance on the date of such Pro
Rata Borrowing, but no Lender shall be responsible for the failure of any other Lender to make the Pro Rata Advance to be made by such other Lender on the date of any Pro Rata Borrowing. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.03&nbsp;&nbsp;&nbsp;&nbsp;<U>Repayment of Pro Rata Advances</U>. Each
Borrower shall repay to JPMCB, as Administrative Agent, for the ratable account of the Lenders on the Termination Date the unpaid principal amount of the Pro Rata Advances then outstanding. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.04&nbsp;&nbsp;&nbsp;&nbsp;<U>Interest on Pro Rata Advances</U>. (a)<U>&nbsp;Scheduled Interest</U>. Each Borrower shall pay
interest on the unpaid principal amount of each Pro Rata Advance owing by such Borrower to each Lender from the date of such Pro Rata Advance until such principal amount shall be paid in full, at the following rates per annum: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<U>Base Rate Advances</U>. During such periods as such Pro Rata Advance is a Base Rate Advance, a
rate per annum equal at all times to the sum of (x)&nbsp;the Base Rate in effect from time to time plus (y)&nbsp;the Applicable Interest Rate
Margin<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;(the sum of
(x)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;and (y), the
</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#147;</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>Base Rate Interest</u></strike></FONT></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&#148;</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">,
</U></FONT></B> payable in arrears monthly on the 20th day of each month and on the date such Base Rate Advance shall be Converted or paid in full. </FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;<B><U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>LIBO
Rate</u></strike></FONT></U></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B><U> Advances</U>. During such periods as such Pro Rata Advance is a
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance, a rate per annum equal at
all times during each Interest Period for such Pro Rata Advance to the sum of (x)<B>&nbsp;<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>the LIBO
Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted Term SOFR</U></FONT></B> for such Interest Period for such Pro Rata Advance plus (y)&nbsp;the
Applicable Interest Rate Margin<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE> (the sum of (x)&nbsp;and (y), the
&#147;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>LIBO Rate
Interest</u></strike></FONT></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&#148;)</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">, payable in arrears on the last day of such Interest Period and, if
such Interest Period has a duration of more than three months, on each day that occurs during such Interest Period every three months from the first day of such Interest Period, and on the date such </FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>LIBO Rate</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></B></FONT><FONT
STYLE="font-family:Times New Roman"> Advance shall be Converted or paid in full. </FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman"><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(iii)</U></B></FONT><FONT STYLE="font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR Advances. During such periods as such Pro Rata Advance is a RFR Advance (if applicable pursuant to Section 2.08(a), Section 2.08(g) or
after the effectiveness of a Benchmark Replacement), a rate per annum equal at all times during such period for such Pro Rata Advance to the sum of (x)&nbsp;Adjusted Daily Simple SOFR in effect from time to time for such Pro Rata Advance plus
(y)&nbsp;the Applicable Interest Rate Margin, payable in arrears quarterly on the last Business Day of each March, June, September and December during such periods, and on the date such RFR Advance shall be Converted or paid in full.</U></B></FONT><FONT
STYLE="font-family:Times New Roman"> </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Default Interest</U>. Upon the occurrence and during the
continuance of an Event of Default, each Borrower shall pay interest on the unpaid principal amount of each Pro Rata Advance owing to each Lender, payable in arrears on the dates referred to in Section&nbsp;2.04(a)(i) or 2.04(a)(ii), at a rate per
annum equal at all times to 1% per annum above the rate per annum required to be paid on such Pro Rata Advance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>Section&nbsp;2.05 </STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>Additional Interest on LIBO Rate
Advances</u></strike></FONT></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>. Each Borrower shall pay to each Lender, so long as such Lender shall be required under regulations of the Board to maintain reserves with
respect to liabilities or assets consisting of or including Eurocurrency Liabilities, additional interest on the unpaid principal amount of each LIBO Rate Advance of such Lender to such Borrower, from the date of such Advance until such principal
amount is paid in full, at an interest rate per annum equal at all times to the remainder obtained by subtracting (i) the LIBO Rate for the Interest Period for such</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">
</FONT></P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>Advance from (ii) the rate obtained by dividing such LIBO Rate by a percentage equal to 100% minus the Eurodollar Rate Reserve
Percentage of such Lender for such Interest Period, payable on each date on which interest is payable on such Advance. Such additional interest shall be determined by such Lender and notified to Altria through JPMCB, as Administrative
Agent.</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Section
2.05</U></B></FONT><FONT STYLE="font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">[Reserved].</U></B></FONT><FONT
STYLE="font-family:Times New Roman"> </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.06&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion of Pro Rata Advances</U>.
(a)<U>&nbsp;Conversion Upon Absence of Interest Period</U>. If any Borrower shall fail to select the duration of any Interest Period for any <FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>LIBO Rate</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></B></FONT><FONT STYLE="font-family:Times New Roman"> Advances in accordance with the provisions contained in the definition
of the term &#147;Interest Period,&#148; JPMCB, as Administrative Agent, will forthwith so notify such Borrower and the Lenders and such Advances will automatically, on the last day of the then existing Interest Period therefor, Convert into Base
Rate Advances. </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion Upon Event of Default</U>. Upon the occurrence and during the continuance
of any Event of Default under Section&nbsp;6.01(a), JPMCB, as Administrative Agent, or the Required Lenders may elect that (i)&nbsp;each <FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>LIBO Rate</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></B></FONT><FONT STYLE="font-family:Times New Roman"> Advance be, on the last day of the then existing Interest Period
therefor</FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> or each RFR Advance (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness
of</U></B></FONT><FONT STYLE="font-family:Times New Roman"> <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">a Benchmark Replacement) be</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, on the last day of the period as set forth in
Section</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;2.04(a)(iii)
</U></FONT></B>, Converted into Base Rate Advances and (ii)&nbsp;the obligation of the Lenders to make, or to Convert Advances into, <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances
<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or RFR Advances
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark
Replacement)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> </U></FONT></B>be suspended. </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Voluntary Conversion</U>. Subject to the provisions of Section 2.08<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B> and 2.13, any Borrower may convert all such Borrower&#146;s Pro Rata Advances of one Type constituting the same Pro Rata
Borrowing into Advances of the other Type on any Business Day, upon notice given to JPMCB, as Administrative Agent, not later than 11:00 A.M. (New York City time) on the third Business Day prior to the date of the proposed Conversion;
<U>provided</U>, <U>however</U>, that the Conversion of a <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance into a Base Rate Advance may be made on, and only on, the last day of an Interest Period for such <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance. Each such notice of a
Conversion shall, within the restrictions specified above, specify </FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;the date of
such Conversion; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;the Pro Rata Advances to be Converted; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;if such Conversion is into
<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances,
the duration of the Interest Period for each such Pro Rata Advance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.07&nbsp;&nbsp;&nbsp;&nbsp;<U>The Competitive Bid
Advances</U>. (a)&nbsp;<U>Competitive Bid Advances</U><U>&#146;</U><U> Impact on Commitments</U>. Each Lender severally agrees that any Borrower may make Competitive Bid Borrowings under this Section&nbsp;2.07 from time to time on any Business Day
during the period from the Effective Date until the Termination Date in the manner set forth below; <U>provided</U> that, following the making of each Competitive Bid Borrowing, the aggregate amount of the Advances then outstanding shall not exceed
the aggregate amount of the </P>
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Commitments of the Lenders. As provided in Section&nbsp;2.01, the aggregate amount of the Commitments of the Lenders shall be deemed used from time to time to the extent of the aggregate amount
of the Competitive Bid Advances then outstanding, and such deemed use of the aggregate amount of the Commitments shall be applied to the Lenders ratably according to their respective Commitments; <U>provided</U>, <U>however</U>, that any
Lender&#146;s Competitive Bid Advances shall not otherwise reduce that Lender&#146;s obligation to lend its pro rata share of the remaining available Commitments. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice of Competitive Bid Borrowing</U>. Any Borrower may request a Competitive Bid Borrowing under this
Section&nbsp;2.07 by delivering to JPMCB, as Administrative Agent, by telecopier or <FONT STYLE="white-space:nowrap">e-mail,</FONT> a notice of a Competitive Bid Borrowing (a &#147;<U>Notice of Competitive Bid Borrowing</U>&#148;), in substantially
the form of Exhibit <FONT STYLE="white-space:nowrap">B-2</FONT> hereto, specifying therein the following: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;date of such proposed Competitive Bid Borrowing; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;aggregate amount of such proposed Competitive Bid Borrowing; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;interest rate basis and day count convention to be offered by the Lenders; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;in the case of a Competitive Bid Borrowing consisting of Floating Rate Bid Advances, Interest
Period, or in the case of a Competitive Bid Borrowing consisting of Fixed Rate Bid Advances, maturity date for repayment of each Fixed Rate Bid Advance to be made as part of such Competitive Bid Borrowing (which maturity date may not be earlier than
the date occurring seven days after the date of such Competitive Bid Borrowing or later than the earlier of (A) 360 days after the date of such Competitive Bid Borrowing and (B)&nbsp;the Termination Date); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;interest payment date or dates relating thereto; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;location of such Borrower&#146;s account to which funds are to be advanced; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(vii)&nbsp;&nbsp;&nbsp;&nbsp;other terms (if any) to be applicable to such Competitive Bid Borrowing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A Borrower requesting a Competitive Bid Borrowing shall deliver a Notice of Competitive Bid Borrowing to JPMCB, as Administrative Agent, not later than 10:00
A.M. (New York City time)&nbsp;(x) at least two Business Days prior to the date of the proposed Competitive Bid Borrowing, if such Borrower shall specify in the Notice of Competitive Bid Borrowing that the Competitive Bid Borrowing shall be Fixed
Rate Bid Advances, or (y)&nbsp;at least four Business Days prior to the date of the proposed Competitive Bid Borrowing, if such Borrower shall specify in the Notice of Competitive Bid Borrowing that the Competitive Bid Borrowing shall be Floating
Rate Bid Advances. Each Notice of Competitive Bid Borrowing shall be irrevocable and binding on such Borrower. JPMCB, as Administrative Agent, shall in turn promptly notify each Lender of each request for a Competitive Bid Borrowing received by it
from such Borrower by sending such Lender a copy of the related Notice of Competitive Bid Borrowing. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Discretion as to Competitive Bid Advances</U>. Each Lender
may, in its sole discretion, elect to irrevocably offer to make one or more Competitive Bid Advances to the applicable Borrower as part of such proposed Competitive Bid Borrowing at a rate or rates of interest specified by such Lender in its sole
discretion, by notifying JPMCB, as Administrative Agent (which shall give prompt notice thereof to such Borrower), before 9:30 A.M. (New York City time)&nbsp;(A) on the Business Day prior to the date of such proposed Competitive Bid Borrowing, in
the case of a Competitive Bid Borrowing consisting of Fixed Rate Bid Advances, and (B)&nbsp;on the third Business Day prior to the date of such proposed Competitive Bid Borrowing, in the case of a Competitive Bid Borrowing consisting of Floating
Rate Bid Advances; <U>provided</U> that, if JPMCB in its capacity as a Lender shall, in its sole discretion, elect to make any such offer, it shall notify such Borrower of such offer at least 30 minutes before the time and on the date on which
notice of such election is to be given by any other Lender to JPMCB, as Administrative Agent. In such notice, the Lender shall specify the following: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;the minimum amount and maximum amount of each Competitive Bid Advance which such Lender would be
willing to make as part of such proposed Competitive Bid Borrowing (which amounts may, subject to the proviso to the first sentence of Section&nbsp;2.07(a), exceed such Lender&#146;s Commitment); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;the rate or rates of interest therefor; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;such Lender&#146;s Applicable Lending Office with respect to such Competitive Bid Advance. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If any Lender shall elect not to make such an offer, such Lender shall so notify JPMCB, as Administrative Agent, before 9:30 A.M. (New York City time) on the
date on which notice of such election is to be given to JPMCB, as Administrative Agent, by the other Lenders, and such Lender shall not be obligated to, and shall not, make any Competitive Bid Advance as part of such Competitive Bid Borrowing;
<U>provided</U> further that the failure by any Lender to give such notice shall not cause such Lender to be obligated to make any Competitive Bid Advance as part of such proposed Competitive Bid Borrowing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>Borrower Selection of Lender Bids</U>. The Borrower proposing the Competitive Bid Borrowing shall, in turn,
(A)&nbsp;before 12:00 noon (New York City time) on the Business Day prior to the date of such proposed Competitive Bid Borrowing, in the case of a Competitive Bid Borrowing consisting of Fixed Rate Bid Advances and (B)&nbsp;before 12:00 noon (New
York City time) on the third Business Day prior to the date of such proposed Competitive Bid Borrowing, in the case of a Competitive Bid Borrowing consisting of Floating Rate Bid Advances, either: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;cancel such Competitive Bid Borrowing by giving JPMCB, as Administrative Agent, notice to that
effect, or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;accept, in its sole discretion, one or more of the offers made by any Lender or
Lenders pursuant to Section&nbsp;2.07(c), by giving notice to JPMCB, as Administrative Agent, of the amount of each Competitive Bid Advance (which amount shall be equal to or greater than the minimum amount, and equal to or less than the maximum
amount, </P>
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notified to such Borrower by JPMCB, as Administrative Agent on behalf of such Lender, for such Competitive Bid Advance pursuant to Section&nbsp;2.07(c) to be made by each Lender as part of such
Competitive Bid Borrowing) and reject any remaining offers made by Lenders pursuant to Section&nbsp;2.07(c) by giving JPMCB, as Administrative Agent, notice to that effect. Such Borrower shall accept the offers made by any Lender or Lenders to make
Competitive Bid Advances in order of the lowest to the highest rates of interest offered by such Lenders. If two or more Lenders have offered the same interest rate, the amount to be borrowed at such interest rate will be allocated among such
Lenders in proportion to the maximum amount that each such Lender offered at such interest rate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the Borrower proposing the Competitive Bid Borrowing
notifies JPMCB, as Administrative Agent, that such Competitive Bid Borrowing is canceled pursuant to Section&nbsp;2.07(d)(i), or if such Borrower fails to give timely notice in accordance with Section&nbsp;2.07(d), JPMCB, as Administrative Agent,
shall give prompt notice thereof to the Lenders and such Competitive Bid Borrowing shall not be made. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<U>Competitive Bid Borrowing</U>. If the Borrower proposing the Competitive Bid Borrowing accepts one or more of
the offers made by any Lender or Lenders pursuant to Section&nbsp;2.07(d)(ii), JPMCB, as Administrative Agent, shall in turn promptly notify: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;each Lender that has made an offer as described in Section&nbsp;2.07(c), whether or not any offer
or offers made by such Lender pursuant to Section&nbsp;2.07(c) have been accepted by such Borrower; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;each Lender that is to make a Competitive Bid Advance as part of such Competitive Bid Borrowing,
of the date and amount of each Competitive Bid Advance to be made by such Lender as part of such Competitive Bid Borrowing; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;each Lender that is to make a Competitive Bid Advance as part of such Competitive Bid Borrowing,
upon receipt, that JPMCB, as Administrative Agent, has received forms of documents appearing to fulfill the applicable conditions set forth in Article III. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">When each Lender that is to make a Competitive Bid Advance as part of such Competitive Bid Borrowing has received notice pursuant to
Section&nbsp;2.07(e)(iii), such Lender shall, before 11:00 A.M. (New York City time), on the date of such Competitive Bid Borrowing specified in the notice received from JPMCB, as Administrative Agent, pursuant to Section&nbsp;2.07(e)(i), make
available for the account of its Applicable Lending Office to JPMCB, as Administrative Agent, at its address referred to in Section&nbsp;9.02, in same day funds, such Lender&#146;s portion of such Competitive Bid Borrowing. Upon fulfillment of the
applicable conditions set forth in Article III and after receipt by JPMCB, as Administrative Agent, of such funds, JPMCB, as Administrative Agent, will make such funds available to such Borrower at the location specified by such Borrower in its
Notice of Competitive Bid Borrowing. Promptly after each Competitive Bid Borrowing, JPMCB, as Administrative Agent, will notify each Lender of the amount of the Competitive Bid Borrowing, the consequent Competitive Bid Reduction and the dates upon
which such Competitive Bid Reduction commenced and will terminate. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<U>Irrevocable Notice</U>. If the Borrower proposing the
Competitive Bid Borrowing notifies JPMCB, as Administrative Agent, that it accepts one or more of the offers made by any Lender or Lenders pursuant to Section&nbsp;2.07(c), such notice of acceptance shall be irrevocable and binding on such Borrower.
Such Borrower shall indemnify each Lender against any loss, cost or expense incurred by such Lender as a result of any failure to fulfill on or before the date specified in the related Notice of Competitive Bid Borrowing for such Competitive Bid
Borrowing the applicable conditions set forth in Article III, including, without limitation, any loss (excluding loss of anticipated profits), cost or expense incurred by reason of the liquidation or reemployment of deposits or other funds acquired
by such Lender to fund the Competitive Bid Advance to be made by such Lender as part of such Competitive Bid Borrowing when such Competitive Bid Advance, as a result of such failure, is not made on such date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<U>Amount of Competitive Bid Borrowings; Competitive Bid Notes</U>. Each Competitive Bid Borrowing shall be in an
aggregate amount of $50,000,000 or an integral multiple of $1,000,000 in excess thereof and, following the making of each Competitive Bid Borrowing, the aggregate amount of Advances then outstanding shall not exceed the aggregate amount of the
Commitments of the Lenders. Within the limits and on the conditions set forth in this Section&nbsp;2.07, any Borrower may from time to time borrow under this Section&nbsp;2.07, prepay pursuant to Section&nbsp;2.11 or repay pursuant to
Section&nbsp;2.07(h), and reborrow under this Section&nbsp;2.07; <U>provided</U> that a Competitive Bid Borrowing shall not be made within two Business Days of the date of any other Competitive Bid Borrowing. The indebtedness of any Borrower
resulting from each Competitive Bid Advance made to such Borrower as part of a Competitive Bid Borrowing shall be evidenced by a separate Competitive Bid Note of such Borrower payable to the order of the Lender making such Competitive Bid Advance.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<U>Repayment of Competitive Bid Advances</U>. On the maturity date of each Competitive Bid Advance provided in
the Competitive Bid Note evidencing such Competitive Bid Advance, a Borrower shall repay to JPMCB, as Administrative Agent, for the account of each Lender that has made a Competitive Bid Advance to such Borrower the then unpaid principal amount of
such Competitive Bid Advance. Except as required by Section&nbsp;2.11(b), no Borrower shall have any right to prepay any principal amount of any Competitive Bid Advance unless, and then only on the terms set forth in the Competitive Bid Note
evidencing such Competitive Bid Advance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<U>Interest on Competitive Bid Advances</U>. Each Borrower that has
borrowed through a Competitive Bid Borrowing shall pay interest on the unpaid principal amount of each Competitive Bid Advance from the date of such Competitive Bid Advance to the date the principal amount of such Competitive Bid Advance is repaid
in full, at the rate of interest for such Competitive Bid Advance and on the interest payment date or dates set forth in the Competitive Bid Note evidencing such Competitive Bid Advance. Upon the occurrence and during the continuance of an Event of
Default, such Borrower shall pay interest on the amount of unpaid principal of each Competitive Bid Advance owing to a Lender, payable in arrears on the date or dates interest is payable thereon, at a rate per annum equal at all times to 1% per
annum above the rate per annum required to be paid on such Competitive Bid Advance under the terms of the Competitive Bid Note evidencing such Competitive Bid Advance unless otherwise agreed in such Competitive Bid Note. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.08&nbsp;&nbsp;&nbsp;&nbsp;<U>Alternate Rate of Interest</U>. (a)&nbsp;Subject
to clauses (b<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>), (c</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">), (d), (e), (f) and (g)&nbsp;of this Section&nbsp;2.08, if<B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;prior to the commencement of any
Interest Period for a LIBO Rate Advance</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">: </FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;JPMCB, as Administrative Agent, determines (which determination shall be conclusive absent manifest
error)<B>&nbsp;<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(A)
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">prior to the commencement of any Interest Period for an Adjusted Term SOFR Borrowing</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> </U></FONT></B>that adequate and reasonable means do not exist for ascertaining
<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>the </STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted Term SOFR for Dollars</U></FONT></B> (including because the <B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Screen</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR Reference</U></FONT></B> Rate
is not available or published on a current basis), for <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Dollars and</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">such Interest Period<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>; provided that, no Benchmark
Transition Event shall have occurred at such time</STRIKE></FONT></B> <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or (B)</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;at
any time, that adequate and reasonable means do not exist for ascertaining the applicable Adjusted Daily Simple SOFR</U></FONT></B>; or </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;JPMCB, as Administrative Agent, is advised by the Required Lenders (or, in the case of a
Competitive Bid Advance, the Lender that is required to make such Advance) that <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>the LIBO
Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(A) prior to the commencement of any Interest Period for </U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">an Adjusted Term SOFR
Borrowing</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, Adjusted Term SOFR</U></FONT></B> for Dollars
<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>and</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">for</U></FONT></B> such Interest Period
will not adequately and fairly reflect the cost to such Lenders (or Lender) of making or maintaining their Advances (or its Advance) included in such Borrowing for Dollars during such Interest Period<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or
(B)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;at
 any time, Adjusted Daily Simple SOFR will not adequately and fairly reflect the cost to such Lenders (or Lender) of making or maintaining their Advances (or its Advance) included in such Borrowing</U></FONT></B>; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">then JPMCB, as Administrative Agent, shall give notice thereof to each Borrower and the
<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>relevant</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B>&nbsp;Lenders <B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>in writing by</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">by telephone,</U></FONT></B> telecopier
or <B></B><B></B><FONT STYLE="white-space:nowrap">e-</FONT> mail<B></B> as promptly as practicable thereafter and, until
<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(x)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">
</U></FONT></B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;</U></B></FONT><FONT STYLE="font-family:Times New Roman">JPMCB, as Administrative Agent, notifies each Borrower
and the Lenders that the circumstances giving rise to such notice no longer exist<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> with respect to the relevant Benchmark and
(y)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;each
 Borrower delivers a new notice of Conversion in accordance with the terms of Section</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;2.06, a new Notice of Competitive Bid Borrowing in accordance with the terms of Section</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;
2.07 or a new Notice of Pro Rata Borrowing in accordance with the terms of Section</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;2.02</U></FONT></B>, (A) any notice of Conversion <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>delivered
pursuant to Section</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.06</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">that requests the
Conversion of any Borrowing to, or continuation of any Borrowing as, <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>a LIBO Rate Advance
</STRIKE></FONT></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>shall be ineffective, (B)</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;if any</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">an Adjusted Term SOFR Pro Rata
Borrowing
(B)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;any
 </U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Notice of Competitive Bid Borrowing that requests an Adjusted Term SOFR Competitive Bid Borrowing,</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> and
(C)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;any
</U></B></FONT><FONT STYLE="font-family:Times New Roman"> Notice of Pro Rata Borrowing </FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>requests a LIBO Rate Advance, such Borrowing shall be made as a Base Rate Advance and
(C)</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;any request by a Borrower for a LIBO Rate</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">that requests an Adjusted Term SOFR Pro Rata Borrowing shall instead be deemed to be a notice of Conversion, Notice of</U></B></FONT><FONT
STYLE="font-family:Times New Roman"> Competitive Bid Borrowing </FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>shall be ineffective; provided that (x)</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">or a Notice of Pro Rata Borrowing, as applicable, for
(x)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;an
 RFR Borrowing so long as Adjusted Daily Simple SOFR is not also the subject of Section</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;
2.08(a)(</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">i</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">)
 or
(ii)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;above
 or
(y)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;a
 Base Rate Borrowing</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">
</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">if Adjusted Daily Simple SOFR also is the subject of Section</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;
2.08(a)(</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">i</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">)
 or
(ii)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;above;
 provided that</U></B></FONT><FONT STYLE="font-family:Times New Roman"> if the circumstances giving rise to such notice </FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>do not</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">affect </FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>all the Lenders, then requests by any Borrower for LIBO Rate Competitive Bid Borrowings may be made
to</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">only one Type of Borrowings, then all other Types of Borrowings shall be permitted.</U></B></FONT><FONT
STYLE="font-family:Times New Roman"> </FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Furthermore, if any Adjusted Term SOFR Borrowing is outstanding on the date of
each
Borrower</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#146;</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">s
receipt of the notice from JPMCB, as Administrative Agent, referred to in this Section</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;2.08(a) with respect to Adjusted Term SOFR applicable to such Term SOFR Advance, then until (x)</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;
JPMCB, as Administrative Agent, notifies each Borrower and the</U></B></FONT><FONT STYLE="font-family:Times New Roman"> Lenders that </FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>are not affected thereby and
(y)</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;if</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">the circumstances giving rise
to such notice </FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>affect only one Type of Borrowing, then the other Type of Borrowing shall be
</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>permitted.</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">no longer
exist with respect to the relevant Benchmark and (y)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;each Borrower delivers a new notice of Conversion in accordance with the terms of Section</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;
2.06, a new Notice of Competitive Bid Borrowing in accordance with the terms of Section</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;2.07 or a new Notice of Pro Rata Borrowing in accordance with the terms of Section</U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;
2.02, any Term SOFR Advance shall on the last day of the Interest Period applicable to such Loan, be converted by JPMCB, as Administrative Agent, to, and shall constitute,
(x)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;an
 RFR Borrowing so long as Adjusted Daily Simple SOFR is not also the subject of Section</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;
2.08(a)(</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">i</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">)
 or
(ii)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;above
 or
(y)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;a
 Base Rate Loan if Adjusted Daily Simple SOFR also is the subject of Section</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;
2.08(a)(</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">i</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">)
 or
(ii)</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;above,
 on such day.</U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything to the
contrary herein or in any other Loan Document, if a Benchmark Transition Event<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>, an Early Opt-in Election or an Other Benchmark Rate Election, as applicable,</STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B>&nbsp;and its related Benchmark Replacement Date have occurred prior to the Reference Time in respect of any setting of the then-current Benchmark, then (x)&nbsp;if a
Benchmark Replacement is determined in accordance with clause (1)<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;or
(2)</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;
</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">of the definition of &#147;Benchmark Replacement&#148; for such Benchmark Replacement Date, such Benchmark Replacement will replace such Benchmark for all purposes hereunder and under any
Loan Document in respect of such Benchmark setting and subsequent Benchmark settings without any amendment to, or further action or consent of any other party to, this Agreement or any other Loan Document and (y)&nbsp;if a Benchmark Replacement is
determined in accordance with clause
(<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>3</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">2</U></FONT></B>)&nbsp;of the definition
of &#147;Benchmark Replacement&#148; for such Benchmark Replacement Date, such Benchmark Replacement will replace such Benchmark for all purposes hereunder and under any Loan Document in respect of any Benchmark setting at or after <B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>5:00 p.m</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">5:00 P.M</U></FONT></B>. (New York City
time) on the fifth (5th) Business Day after the date notice of such Benchmark Replacement is provided by JPMCB, as Administrative Agent, to the Lenders without any amendment to, or further action or consent of any other party to, this Agreement or
any other Loan Document so long as JPMCB, as Administrative Agent, has not received, by such time, written notice of objection to such Benchmark Replacement from Lenders comprising the Required Lenders. </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>(c)</STRIKE></B></FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;Notwithstanding anything to the contrary herein or in any other Loan Document and subject
to the proviso below in this paragraph, if a Term SOFR Transition Event and its related Benchmark Replacement Date have occurred prior to the Reference Time in respect of any setting of the then-current Benchmark, then the applicable Benchmark
Replacement will replace the then-current Benchmark for all purposes hereunder or under any Loan Document in respect of such Benchmark setting and subsequent Benchmark settings, without any amendment to, or further action or consent of any other
party to, this Agreement or any other Loan Document; provided that, this clause
(c)</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE></STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;shall not be effective unless JPMCB, as Administrative Agent,
has delivered to the Lenders and each Borrower a Term SOFR Notice. For the avoidance of doubt, JPMCB, as</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
<FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>Administrative Agent, shall not be required to deliver a Term SOFR Notice after a Term SOFR Transition Event and may do so in
its sole discretion.</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(c)</U></B></FONT><FONT STYLE="font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">[</U></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Reserved.]
</U></B></FONT><FONT STYLE="font-family:Times New Roman"> </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>In</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Notwithstanding anything to the contrary herein or
in any other Loan Document, in</U></FONT></B> connection with the implementation of a Benchmark Replacement, JPMCB, as Administrative Agent, will have the right to make Benchmark Replacement Conforming Changes from time to time and<B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>, notwithstanding anything to the contrary herein or in any other Loan
Document,</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B>&nbsp;any amendments implementing such Benchmark Replacement Conforming Changes will become effective without any further action or
consent of any other party to this Agreement or any other Loan Document. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;JPMCB, as Administrative Agent, will
promptly notify each Borrower and the Lenders of (i)&nbsp;any occurrence of a Benchmark Transition Event<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>, a Term SOFR Transition Event, an Early Opt-in Election or an Other
Benchmark Rate Election, as applicable,</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B>&nbsp;and its related Benchmark Replacement Date (ii)&nbsp;the implementation of any Benchmark
Replacement, (iii)&nbsp;the effectiveness of any Benchmark Replacement Conforming Changes, (iv)&nbsp;the removal or reinstatement of any tenor of a Benchmark pursuant to clause (f)&nbsp;below and (v)&nbsp;the commencement or conclusion of any
Benchmark Unavailability Period. Any determination, decision or election that may be made by JPMCB, as Administrative Agent, or, if applicable, each Borrower or any Lender (or group of Lenders) pursuant to this Section&nbsp;2.08, including any
determination with respect to a tenor, rate or adjustment or of the occurrence or <FONT STYLE="white-space:nowrap">non-occurrence</FONT> of an event, circumstance or date and any decision to take or refrain from taking any action or any selection,
will be conclusive and binding absent manifest error and may be made in its or their sole discretion and without consent from any other party to this Agreement or any other Loan Document, except, in each case, as expressly required pursuant to this
Section&nbsp;2.08. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary herein or in any other Loan Document, at any time
(including in connection with the implementation of a Benchmark Replacement), (i) if the then-current Benchmark is a term rate (including Term SOFR<B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;or LIBO Rate</STRIKE></FONT></B>) and either (A)&nbsp;any tenor for such Benchmark is not displayed on a screen or other information service that publishes such rate from time to time
as selected by JPMCB, as Administrative Agent, in its reasonable discretion or (B)&nbsp;the regulatory supervisor for the administrator of such Benchmark has provided a public statement or publication of information announcing that any tenor for
such Benchmark is or will be no longer representative, then JPMCB, as Administrative Agent, may modify the definition of &#147;Interest Period&#148; for any Benchmark settings at or after such time to remove such unavailable or <FONT
STYLE="white-space:nowrap">non-representative</FONT> tenor and (ii)&nbsp;if a tenor that was removed pursuant to clause (i)&nbsp;above either (A)&nbsp;is subsequently displayed on a screen or information service for a Benchmark (including a
Benchmark Replacement) or (B)&nbsp;is not, or is no longer, subject to an announcement that it is or will no longer be representative for a Benchmark (including a Benchmark Replacement), then JPMCB, as Administrative Agent, may modify the definition
of &#147;Interest Period&#148; for all Benchmark settings at or after such time to reinstate such previously removed tenor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;Upon each Borrower&#146;s receipt of notice of the commencement of a Benchmark Unavailability Period, each Borrower
may revoke any request for <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>a LIBO
Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">an</U></FONT></B> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">35 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Adjusted Term SOFR</U></FONT></B> Borrowing of, conversion to or continuation
of <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">an Adjusted Term
SOFR</U></FONT></B> Borrowing to be made, converted or continued during any Benchmark Unavailability Period and, failing that, each Borrower will be deemed to have converted any such request
<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">for an Adjusted Term SOFR Borrowing </U></FONT></B>into a request for a Borrowing of or conversion to <B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Base Rate
</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Advances</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">(A) an RFR
Borrowing so long as Adjusted Daily Simple </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">SOFR</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> is not the subject of a Benchmark Transition Event or
(B)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;a
 Base Rate Borrowing if Adjusted Daily Simple </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">SOFR</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> is the subject of a Benchmark Transition Event</U></FONT></B>. During any Benchmark Unavailability Period or at any time that a tenor for
the then-current Benchmark is not an Available Tenor, the component of the Base Rate based upon the then-current Benchmark or such tenor for such Benchmark, as applicable, will not be used in any determination of the Base Rate.<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Furthermore, if any Term SOFR Advance is outstanding on the date of any Borrower</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&#146;</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">s
receipt of notice of the commencement of a Benchmark Unavailability Period with respect to Adjusted Term SOFR applicable to such Term SOFR Advance, then until such time as a Benchmark Replacement is implemented pursuant to this
Section</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;2.08,
 any Term SOFR Advance shall, on the last day of the Interest Period applicable to such Term SOFR Advance, be converted by JPMCB, as Administrative Agent, to, and shall constitute (in order of applicability)</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;(x)
an RFR Borrowing so long as Adjusted Daily Simple </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">SOFR</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> is not the subject of a Benchmark Transition Event or
(y)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">&nbsp;a
 Base Rate Advance if Adjusted Daily Simple </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">SOFR</U></FONT></B><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> is the subject of a Benchmark Transition Event, on such
day</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">.</U></FONT></B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.09&nbsp;&nbsp;&nbsp;&nbsp;<U>Fees</U>. (a)<U>&nbsp;Commitment Fee</U>. Altria agrees to pay to JPMCB, as Administrative Agent,
for the account of each Lender a commitment fee on the aggregate undrawn amount of such Lender&#146;s Commitment from the date hereof in the case of each Initial Lender and from the effective date specified in the Assignment and Acceptance pursuant
to which it became a Lender in the case of each other Lender until the Termination Date at the Applicable Commitment Fee Rate, in each case payable on the last day of each March, June, September and December until the Termination Date and on the
Termination Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Agent</U><U>&#146;</U><U>s Fees</U>. Altria shall pay to JPMCB, as Administrative Agent,
for its own account such fees as may from time to time be agreed between Altria and such Administrative Agent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.10&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination or Reduction of the Commitments</U>. Altria shall have the right, upon at least three
Business Days&#146; notice to JPMCB, as Administrative Agent, to terminate in whole or reduce ratably in part the unused portions of the respective Commitments of the Lenders; <U>provided</U> that each partial reduction shall be in the aggregate
amount of no less than $50,000,000 or the remaining balance if less than $50,000,000; and <U>provided</U> <U>further</U> that the aggregate amount of the Commitments of the Lenders shall not be reduced to an amount that is less than the aggregate
principal amount of the Competitive Bid Advances then outstanding. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.11&nbsp;&nbsp;&nbsp;&nbsp;<U>Prepayments</U>.
(a)<U>&nbsp;Optional Prepayment of Pro Rata Advances</U>. Each Borrower may, in the case of any <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance, upon at least three
Business Days&#146; notice to JPMCB, as Administrative Agent, or, in the case of any Base Rate Advance, upon notice given to JPMCB, as Administrative Agent, not later than 9:00 A.M. (New York City time) on the date of the proposed prepayment, in
each case stating the proposed date and aggregate principal amount of the prepayment, and if such notice is given such Borrower shall, prepay the outstanding principal amount of the Pro Rata Advances comprising part of the
</FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">36 </P>

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same Pro Rata Borrowing in whole or ratably in part, together with accrued interest to the date of such prepayment on the principal amount prepaid; <U>provided</U>, <U>however</U>, that
(x)&nbsp;each partial prepayment shall be in an aggregate principal amount of no less than $50,000,000 or the remaining balance if less than $50,000,000 and (y)&nbsp;in the event of any such prepayment of a <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance, such Borrower shall be
obligated to reimburse the Lenders in respect thereof pursuant to Section&nbsp;9.04(b). </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Mandatory
Prepayment</U>. A Borrower shall, on each Business Day, prepay an aggregate principal amount of the Advances equal to the amount by which (A)&nbsp;the aggregate principal amount of the Advances then outstanding exceeds (B)&nbsp;the aggregate of the
Commitments (after giving effect to any Competitive Bid Reduction) on such Business Day. Prepayments under this Section&nbsp;2.11(b) shall be allocated first to Base Rate Advances, ratably; any excess amount shall then be allocated to <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances, in such manner as such
Borrower shall determine; and any remaining amount shall be allocated to Competitive Bid Advances, in such manner as such Borrower shall determine. </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Each prepayment made pursuant to this Section&nbsp;2.11(b) shall be made together with any interest accrued to the date of such prepayment on
the principal amounts prepaid and, in the case of any prepayment of a <B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance or a Floating Rate Bid Advance on a date other than the last day of an
Interest Period or at its maturity, any additional amounts that such Borrower shall be obligated to reimburse to the Lenders in respect thereof pursuant to Section&nbsp;9.04(b). JPMCB, as Administrative Agent, shall give prompt notice of any
prepayment required under this Section&nbsp;2.11(b) to the Borrowers and the Lenders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.12&nbsp;&nbsp;&nbsp;&nbsp;<U>Increased Costs</U>. (a)<U>&nbsp;Costs from Change in Law or Authorities</U>. If, due to either
(i)&nbsp;the introduction of or any change <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(other than any change by way of imposition or increase of reserve requirements to the extent such change is included in the
Eurodollar Rate Reserve Percentage)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">in or in the interpretation of any law or regulation or (ii)&nbsp;the compliance with any guideline or request from
any central bank or other governmental authority (whether or not having the force of law), there shall be any increase in the cost to (x)&nbsp;any Lender of agreeing to make or making, funding or maintaining <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances<B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;or</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">,</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> RFR
 Advances (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark
Replacement)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> or</U></FONT></B> Floating Rate Bid Advances or (y)&nbsp;the Administrative Agents or any Lender with
respect to any Advance as a result of any taxes (except that in no event shall any amount be payable pursuant to this Section&nbsp;2.12 in respect of (A)&nbsp;taxes excluded from the definition of Taxes pursuant to Section&nbsp;2.15, (B) Taxes and
Other Taxes as to which Section&nbsp;2.15 applies, and (C)&nbsp;changes in the basis of taxation of overall net income or overall gross income by the United States or by the foreign jurisdiction or state under the laws of which such Lender is
organized or has its Applicable Lending Office or any political subdivision thereof) on such Administrative Agent&#146;s or Lender&#146;s loans, loan principal, commitments or other obligations, or its deposits, reserves, other liabilities or
capital attributable thereto, then the Borrower of the affected Advances shall from time to time, upon demand by such Lender or an Administrative Agent (with a copy of such demand to JPMCB, as Administrative Agent), pay to an Administrative Agent,
for the account of such Lender or Administrative Agent additional amounts sufficient to compensate such Lender or Administrative Agent for such increased cost; <U>provided</U>, <U>however</U>, that before making any such demand, each Lender agrees
to use reasonable efforts (consistent with its internal policy and </FONT></FONT></FONT></FONT></FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">37 </P>

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legal and regulatory restrictions) to designate a different Applicable Lending Office if the making of such a designation would avoid the need for, or reduce the amount of, such increased cost
and would not, in the reasonable judgment of such Lender, be otherwise disadvantageous to such Lender. A certificate as to the amount of such increased cost, submitted to Altria, such Borrower and JPMCB, as Administrative Agent, by such Lender or
Administrative Agent, shall be conclusive and binding for all purposes, absent manifest error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Reduction in
Lender&#146;s Rate of Return</U>. In the event that, after the date hereof, the implementation of or any change in any law or regulation, or any guideline or directive (whether or not having the force of law) or the interpretation or administration
thereof by any central bank or other authority charged with the administration thereof, imposes, modifies or deems applicable any capital adequacy, liquidity or similar requirement (including, without limitation, a request or requirement which
affects the manner in which any Lender allocates capital resources to its commitments, including its obligations hereunder) and as a result thereof, in the sole opinion of such Lender, the rate of return on such Lender&#146;s capital as a
consequence of its obligations hereunder is reduced to a level below that which such Lender could have achieved but for such circumstances, but reduced to the extent that Borrowings are outstanding from time to time, then in each such case, upon
demand from time to time Altria shall pay to such Lender such additional amount or amounts as shall compensate such Lender for such reduction in rate of return; <U>provided</U> that, in the case of each Lender, such additional amount or amounts
shall not exceed 0.15 of 1% per annum of such Lender&#146;s Commitment. A certificate of such Lender as to any such additional amount or amounts shall be conclusive and binding for all purposes, absent manifest error. Except as provided below, in
determining any such amount or amounts each Lender may use any reasonable averaging and attribution methods. Notwithstanding the foregoing, each Lender shall take all reasonable actions to avoid the imposition of, or reduce the amounts of, such
increased costs, <U>provided</U> that such actions, in the reasonable judgment of such Lender, will not be otherwise disadvantageous to such Lender, and, to the extent possible, each Lender will calculate such increased costs based upon the capital
requirements for its Commitment hereunder and not upon the average or general capital requirements imposed upon such Lender. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.13&nbsp;&nbsp;&nbsp;&nbsp;<U>Illegality</U>. (a)&nbsp;Notwithstanding any other provision of this Agreement, if any Lender
shall notify JPMCB, as Administrative Agent, that the introduction of or any change in, or in the interpretation of, any law or regulation makes it unlawful, or any central bank or other governmental authority asserts that it is unlawful, for any
Lender or its
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Eurodollar</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U>
</U></B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">Lending Office to perform its obligations hereunder to make <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR
Advances (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark Replacement)</U></FONT></B> or Floating Rate Bid Advances or to fund or maintain <B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR
Advances (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark Replacement)</U></FONT></B> or Floating Rate Bid Advances, (i)&nbsp;each
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR
Advances (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark Replacement)</U></FONT></B> or Floating Rate Bid Advances, as the case may be, will automatically, upon such demand, be Converted into a
Base Rate Advance or an Advance that bears interest at the rate set forth in Section&nbsp;2.04(a)(i), as the case may be, and (ii)&nbsp;the obligation of the Lenders to make
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR
Advances (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark</U></FONT></B> </FONT></FONT></FONT></FONT></FONT></FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>

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<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Replacement)</U></FONT></B> or Floating Rate Bid Advances or to Convert Base
Rate Advances into
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term
 SOFR Advances or Base</U></FONT></B> Rate Advances <B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">into
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR Advances (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark
Replacement)</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"> </U></FONT></B>shall be suspended, in each case, until JPMCB, as Administrative Agent, shall notify
Altria and the Lenders that the circumstances causing such suspension no longer exist; <U>provided</U>, <U>however</U>, that before making any such demand, each Lender agrees to use reasonable efforts (consistent with its internal policy and legal
and regulatory restrictions) to designate a different <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Eurodollar</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">Lending Office if the
making of such a designation would allow such Lender or its <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>Eurodollar</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B><STRIKE>&nbsp;</STRIKE></B></FONT><FONT STYLE="font-family:Times New Roman">Lending Office to
continue to perform its obligations to make <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B>
Advances<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">,
</U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR Advances (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark
Replacement)</U></FONT></B> or Floating Rate Bid Advances or to continue to fund or maintain <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO
Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances<B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">, </U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">RFR
Advances (if applicable pursuant to Section 2.08(a), Section 2.08(g) or after the effectiveness of a Benchmark Replacement)</U></FONT></B> or Floating Rate Bid Advances, as the case may be, and would not, in the judgment of such Lender, be otherwise
disadvantageous to such Lender. </FONT></FONT></FONT></FONT></FONT></FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any other
provision of this Agreement, if any Lender notifies Altria and JPMCB, as Administrative Agent, that it is unlawful for such Lender or its Applicable Lending Office to make Advances to a Designated Subsidiary organized outside the United States due
to the jurisdiction of organization of such Designated Subsidiary, then, in each case, (i)&nbsp;the obligation of such Lender to make such Advances shall be suspended until JPMCB, as Administrative Agent, shall notify Altria and the Lenders that the
circumstances causing such suspension no longer exist and (ii)&nbsp;the relevant aggregate Commitments shall be temporarily reduced by the amount of such Lender&#146;s share of the Commitments affected by such illegality for the duration of the
suspension with respect to such Advances; <U>provided</U>, <U>however</U>, that each Lender agrees to (x)&nbsp;use reasonable efforts (consistent with its internal policy and legal and regulatory restrictions) to designate a different Applicable
Lending Office if the making of such a designation would allow such Lender or its Applicable Lending Office to continue to perform its obligations to make Advances and would not, in the judgment of such Lender, be otherwise disadvantageous to such
Lender and (y)&nbsp;to make Advances to a different Borrower designated by Altria if the making of such designation would allow such Lender to continue to perform its obligations to make Advances. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.14&nbsp;&nbsp;&nbsp;&nbsp;<U>Payments and Computations</U>. (a)<U>&nbsp;Time and Distribution of Payments</U>. Altria and each
Borrower shall make each payment hereunder, without <FONT STYLE="white-space:nowrap">set-off</FONT> or counterclaim, not later than 11:00 A.M. (New York City time) on the day when due to JPMCB, as Administrative Agent, at JPMCB&#146;s Administrative
Agent Account in same day funds. JPMCB, as Administrative Agent, will promptly thereafter cause to be distributed like funds relating to the payment of principal or interest or commitment fees ratably (other than amounts payable pursuant to
Section&nbsp;2.07, 2.12, 2.15 or 9.04(b)) to the Lenders for the account of their respective Applicable Lending Offices, and like funds relating to the payment of any other amount payable to any Lender to such Lender for the account of its
Applicable Lending Office, in each case to be applied in accordance with the terms of this Agreement. From and after the effective date of an Assignment and Acceptance pursuant to Section&nbsp;9.07, JPMCB, as Administrative Agent, shall make all
payments hereunder in respect of the interest assigned thereby to the Lender assignee thereunder, and the parties to such Assignment and Acceptance </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">39 </P>

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shall make all appropriate adjustments in such payments for periods prior to such effective date directly between themselves. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Computation of Interest and Fees</U>. All computations of interest on Base Rate Advances shall be made by JPMCB,
as Administrative Agent, on the basis of a year of 365 or 366 days, as the case may be. All computations of interest on <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances and of commitment fees shall be made by JPMCB, as
Administrative Agent<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>, and all computations of interest pursuant to Section</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.05</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;shall
 be made by a Lender, on the
basis</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;of a year of 360 days</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">, and all computations of interest in respect of Competitive Bid Advances shall be made by
JPMCB, as Administrative Agent, as specified in the applicable Notice of Competitive Bid Borrowing, in each case for the actual number of days (including the first day but excluding the last day) occurring in the period for which such interest or
commitment fees are payable. Each determination by JPMCB, as Administrative Agent, <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>(or, in the case of Section</STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;2.05
</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>&nbsp;by a
Lender)</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">&nbsp;of an interest rate
hereunder shall be conclusive and binding for all purposes, absent manifest error. </FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment Due Dates</U>. Whenever any payment hereunder shall be stated to be due on a day other than a Business
Day, such payment shall be made on the next succeeding Business Day, and such extension of time shall in such case be included in the computation of payment of interest or commitment fee, as the case may be; <U>provided</U>, <U>however</U>, that if
such extension would cause payment of interest on or principal of <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advances or Floating Rate Bid Advances to be made in the next following calendar month, such payment shall be made
on the immediately preceding Business Day. </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>Presumption of Borrower Payment</U>. Unless JPMCB, as
Administrative Agent, receives notice from any Borrower prior to the date on which any payment is due to the Lenders hereunder that such Borrower will not make such payment in full, JPMCB, as Administrative Agent, may assume that such Borrower has
made such payment in full to JPMCB, as Administrative Agent, on such date and JPMCB, as Administrative Agent, may, in reliance upon such assumption, cause to be distributed to each Lender on such due date an amount equal to the amount then due such
Lender. If and to the extent such Borrower has not made such payment in full to JPMCB, as Administrative Agent, each Lender shall repay to JPMCB, as Administrative Agent, forthwith on demand such amount distributed to such Lender together with
interest thereon, for each day from the date such amount is distributed to such Lender until the date such Lender repays such amount to JPMCB, as Administrative Agent, at the Federal Funds Effective Rate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.15&nbsp;&nbsp;&nbsp;&nbsp;<U>Taxes</U>. (a)&nbsp;Any and all payments by or on account of Altria and each Borrower hereunder
shall be made, in accordance with Section&nbsp;2.14, free and clear of and without deduction for any and all present or future taxes, levies, imposts, deductions, charges or withholdings, and all liabilities with respect thereto, excluding,
(i)&nbsp;in the case of each Lender and the Administrative Agents, taxes imposed on its net income, and franchise taxes imposed on it, by the jurisdiction under the laws of which such Lender or an Administrative Agent (as the case may be), is
organized or any political subdivision thereof, (ii)&nbsp;in the case of each Lender, taxes imposed on its net income, and franchise taxes imposed on it, by the jurisdiction of such Lender&#146;s Applicable Lending Office or any political
subdivision thereof, (iii)&nbsp;in the case of each Lender and the Administrative Agents, taxes imposed on its net income, franchise taxes imposed </P>
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on it, and any tax imposed by means of withholding to the extent such tax is imposed solely as a result of a present or former connection (other than connections arising from the execution,
delivery and performance of this Agreement, a Note or a Guarantee, receipt or perfection of a security interest under, engaging of any other transaction pursuant to or to enforce this Agreement, a Note or the Guarantee) between the Lender or the
Administrative Agents, as the case may be, and the taxing jurisdiction, (iv)&nbsp;in the case of each Lender and the Administrative Agents, taxes imposed by the United States by means of withholding tax if and to the extent that such taxes shall be
in effect and shall be applicable on the date hereof to payments to be made to such Lender&#146;s Applicable Lending Office or to the Administrative Agents and (v)&nbsp;in the case of each Lender and the Administrative Agents, any withholding taxes
imposed pursuant to FATCA (all such <FONT STYLE="white-space:nowrap">non-excluded</FONT> taxes, levies, imposts, deductions, charges, withholdings and liabilities in respect of payments hereunder being hereinafter referred to as
&#147;<U>Taxes</U>&#148;). If any Withholding Agent or Altria shall be required by law to deduct any Taxes from or in respect of any sum payable hereunder to any Lender or any Administrative Agent, (i)&nbsp;the sum payable shall be increased as may
be necessary so that after making all required deductions (including deductions applicable to additional sums payable under this Section&nbsp;2.15) such Lender or such Administrative Agent (as the case may be), receives an amount equal to the sum it
would have received had no such deductions been made, (ii)&nbsp;such Withholding Agent shall make such deductions and (iii)&nbsp;such Withholding Agent shall pay the full amount deducted to the relevant taxation authority or other authority in
accordance with applicable law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;In addition, each Borrower or Altria shall pay any present or future stamp or
documentary taxes or any other excise or property taxes, charges or similar levies that arise from any payment made hereunder or from the execution, delivery or registration of, performing under, or otherwise with respect to, this Agreement
(hereinafter referred to as &#147;<U>Other Taxes</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Each Borrower and Altria shall indemnify each
Lender and the Administrative Agents, for and hold it harmless against the full amount of Taxes or Other Taxes (including, without limitation, Taxes and Other Taxes imposed by any jurisdiction on amounts payable under this Section&nbsp;2.15) paid by
such Lender or the Administrative Agents (as the case may be), and any liability (including penalties, interest and expenses) arising therefrom or with respect thereto, whether or not such Taxes or Other Taxes were correctly or legally asserted.
Each Lender shall severally indemnify the Administrative Agents for any taxes, levies, imposts, deductions, charges or withholdings and all liabilities with respect thereto attributable to such Lender that are paid or payable by the Administrative
Agents in connection with this Agreement and any reasonable expenses arising therefrom or with respect thereto, whether or not such taxes, levies, imposts, deductions, charges, withholdings or liabilities were correctly or legally imposed or
asserted by the relevant Governmental Authority. This indemnification shall be made within 30 days from the date such Lender or JPMCB, as Administrative Agent (as the case may be), makes written demand therefor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Within 30 days after the date of any payment of Taxes, each Borrower and Altria shall furnish to JPMCB, as
Administrative Agent, at its address referred to in Section&nbsp;9.02, the original or a certified copy of a receipt evidencing such payment. If any Borrower or Altria determines that no Taxes are payable in respect thereof, such Borrower or Altria
shall, at the request of JPMCB, as </P>
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Administrative Agent, furnish or cause the payor to furnish, JPMCB, as Administrative Agent, and each Lender an opinion of counsel reasonably acceptable to JPMCB, as Administrative Agent, stating
that such payment is exempt from Taxes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;Each Lender and the Administrative Agents, on or prior to the date of
its execution and delivery of this Agreement in the case of each Initial Lender and the Administrative Agents and on the date of the Assignment and Acceptance pursuant to which it becomes a Lender in the case of each other Lender, shall provide each
of JPMCB, as Administrative Agent, Altria and such Borrower with any form or certificate that is required by any taxing authority (including, if applicable, two original Internal Revenue Service Forms <FONT STYLE="white-space:nowrap">W-9,</FONT> <FONT
STYLE="white-space:nowrap">W-8BEN,</FONT> <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">W-8BEN-E</FONT></FONT> or <FONT STYLE="white-space:nowrap">W-8ECI,</FONT> as appropriate, or any successor or other form prescribed by the
Internal Revenue Service), certifying, if applicable, that such Lender or Administrative Agent is exempt from or entitled to a reduced rate of Home Jurisdiction Withholding Taxes on payments pursuant to this Agreement. Thereafter, each such Lender
or Administrative Agent shall provide such additional forms or certificates (i)&nbsp;to the extent a form or certificate previously provided has become inaccurate or invalid or has otherwise ceased to be effective or (ii)&nbsp;as reasonably
requested in writing by any Borrower, Altria or JPMCB, as Administrative Agent. Unless the Borrowers, Altria and JPMCB, as Administrative Agent, have received forms or other documents satisfactory to them indicating that payments hereunder are not
subject to Home Jurisdiction Withholding Taxes or are subject to Home Jurisdiction Withholding Taxes at a rate reduced by an applicable tax treaty, such Borrower, Altria or JPMCB, as Administrative Agent, shall withhold taxes from such payments at
the applicable statutory rate in the case of payments to or for any Lender or the Administrative Agents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;Any
Lender claiming any additional amounts payable pursuant to this Section&nbsp;2.15 agrees to use reasonable efforts (consistent with its internal policy and legal and regulatory restrictions) to select or change the jurisdiction of its Applicable
Lending Office if the making of such a selection or change would avoid the need for, or reduce the amount of, any such additional amounts that may thereafter accrue and would not, in the reasonable judgment of such Lender, be otherwise economically
disadvantageous to such Lender. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;No additional amounts will be payable pursuant to this Section&nbsp;2.15 with
respect to (i)&nbsp;any Home Jurisdiction Withholding Taxes that would not have been payable had the Lender provided the relevant forms or other documents pursuant to Section&nbsp;2.15(e); or (ii)&nbsp;in the case of an Assignment and Acceptance by
a Lender to an Eligible Assignee, any Home Jurisdiction Withholding Taxes that exceed the amount of such Home Jurisdiction Withholding Taxes that are imposed prior to such Assignment and Acceptance, unless such Assignment and Acceptance resulted
from the demand of Altria. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;If any Lender or an Administrative Agent, as the case may be, obtains a refund of
any Tax for which payment has been made pursuant to this Section&nbsp;2.15, which refund in the good faith judgment of such Lender or the Administrative Agents, as the case may be, is allocable to such payment made under this Section&nbsp;2.15, the
amount of such refund (together with any interest actually received thereon from the relevant Governmental Authority and reduced by reasonable costs incurred in obtaining such refund (including taxes)) promptly shall be paid to the Borrower. The
Borrower, upon the request of such Lender or Administrative Agent, shall repay to such Lender or Administrative Agent the amount paid over pursuant to this paragraph (h)&nbsp;in the event that such Lender or Administrative Agent is required to repay
such </P>
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refund to such Governmental Authority. Notwithstanding anything to the contrary in this paragraph (h), in no event will any Lender or Administrative Agent be required to pay any amount to a
Borrower pursuant to this paragraph (h)&nbsp;if the payment of which would place such Lender or Administrative Agent in a less favorable net <FONT STYLE="white-space:nowrap">after-tax</FONT> position than the Lender or Administrative Agent would
have been in if the indemnification payments or additional amounts giving rise to such refund had never been paid. This paragraph (h)&nbsp;shall not be construed to require any party to make available its tax returns (or any other information
relating to its taxes that it deems confidential) to the indemnifying party or any other Person. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.16&nbsp;&nbsp;&nbsp;&nbsp;<U>Sharing of Payments, Etc</U>. If any Lender shall obtain any payment (whether voluntary,
involuntary, through the exercise of any right of <FONT STYLE="white-space:nowrap">set-off,</FONT> or otherwise) on account of the Pro Rata Advances owing to it (other than pursuant to Section&nbsp;2.12, 2.15 or 9.04(b)) in excess of its ratable
share of payments on account of the Pro Rata Advances obtained by all the Lenders, such Lender shall forthwith purchase from the other Lenders such participations in the Pro Rata Advances made by them as shall be necessary to cause such purchasing
Lender to share the excess payment ratably with each of them; <U>provided</U>, <U>however</U>, that if all or any portion of such excess payment is thereafter recovered from such purchasing Lender, such purchase from each Lender shall be rescinded
and such Lender shall repay to the purchasing Lender the purchase price to the extent of such recovery together with an amount equal to such Lender&#146;s ratable share (according to the proportion of (i)&nbsp;the amount of such Lender&#146;s
required repayment to (ii)&nbsp;the total amount so recovered from the purchasing Lender) of any interest or other amount paid or payable by the purchasing Lender in respect of the total amount so recovered. Each Borrower agrees that any Lender so
purchasing a participation from another Lender pursuant to this Section&nbsp;2.16 may, to the fullest extent permitted by law, exercise all its rights of payment (including the right of <FONT STYLE="white-space:nowrap">set-off)</FONT> with respect
to such participation as fully as if such Lender were the direct creditor of such Borrower in the amount of such participation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.17&nbsp;&nbsp;&nbsp;&nbsp;<U>Defaulting Lenders</U>. Notwithstanding any provision of this Agreement to the contrary, if any
Lender becomes a Defaulting Lender, JPMCB, as Administrative Agent, shall deliver written notice to such effect, upon JPMCB, as Administrative Agent&#146;s, obtaining knowledge of such event, to Altria and such Defaulting Lender, and the following
provisions shall apply for so long as such Lender is a Defaulting Lender: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;fees shall cease to accrue on the
undrawn portion of the Commitment of such Defaulting Lender pursuant to Section&nbsp;2.09(a). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;the Commitments
of such Defaulting Lender shall not be included in determining whether all Lenders or the Required Lenders have taken or may take any action hereunder (including any consent to any amendment or waiver pursuant to Section&nbsp;9.01); <U>provided</U>
that any waiver, amendment or modification requiring the consent of all Lenders or each affected Lender that affects such Defaulting Lender differently than other affected Lenders shall require the consent of such Defaulting Lender. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;any amount payable to such Defaulting Lender hereunder (whether on account of principal, interest, fees or
otherwise and including any amount that would otherwise be payable to such Defaulting Lender pursuant to Section&nbsp;2.16) shall, in lieu of being distributed </P>
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to such Defaulting Lender, subject to any applicable requirements of law, be applied (i)&nbsp;first, to the payment of any amounts owing by such Defaulting Lender to JPMCB, as Administrative
Agent, hereunder, (ii)&nbsp;second, to the funding of any Advance in respect of which such Defaulting Lender has failed to fund its portion thereof as required by this Agreement, as determined by JPMCB, as Administrative Agent, and (iii)&nbsp;third,
to such Defaulting Lender or as otherwise directed by a court of competent jurisdiction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In the event that JPMCB, as Administrative Agent, and Altria
each agrees that a Defaulting Lender has adequately remedied all matters that caused such Lender to be a Defaulting Lender or upon receipt by JPMCB, as Administrative Agent, of the confirmation referred to in clause (c)&nbsp;of the definition of
&#147;Defaulting Lender&#148;, as applicable, then on such date such Lender shall purchase at par such portion of the Advances of the other Lenders as JPMCB, as Administrative Agent, shall determine may be necessary in order for such Lender to hold
such Advances ratably in accordance with its respective Commitment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.18&nbsp;&nbsp;&nbsp;&nbsp;<U>Evidence of Debt</U>.
(a)&nbsp;Lender Records; Pro Rata Notes. Each Lender shall maintain in accordance with its usual practice an account or accounts evidencing the indebtedness of each Borrower to such Lender resulting from each Pro Rata Advance owing to such Lender
from time to time, including the amounts of principal and interest payable and paid to such Lender from time to time hereunder in respect of Pro Rata Advances. Each Borrower shall, upon notice by any Lender to such Borrower (with a copy of such
notice to JPMCB, as Administrative Agent) to the effect that a Pro Rata Note is required or appropriate in order for such Lender to evidence (whether for purposes of pledge, enforcement or otherwise) the Pro Rata Advances owing to, or to be made by,
such Lender, promptly execute and deliver to such Lender a Pro Rata Note payable to the order of such Lender in a principal amount up to the Commitment of such Lender. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Record of Borrowings, Payables and Payments</U>. The Register maintained by JPMCB, as Administrative Agent,
pursuant to Section&nbsp;9.07(d) shall include a control account, and a subsidiary account for each Lender, in which accounts (taken together) shall be recorded as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;the date and amount of each Borrowing made hereunder, the Type of Advances comprising such
Borrowing and, if appropriate, the Interest Period applicable thereto; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;the terms of each
Assignment and Acceptance delivered to and accepted by it; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;the amount of any principal or
interest due and payable or to become due and payable from each Borrower to each Lender hereunder; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;the amount of any sum received by JPMCB, as Administrative Agent, from the Borrowers hereunder and
each Lender&#146;s share thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Evidence of Payment Obligations</U>. Entries made in good faith by JPMCB,
as Administrative Agent, in the Register pursuant to Section&nbsp;2.18(b), and by each Lender in its account or accounts pursuant to Section&nbsp;2.18(a), shall be prima facie evidence of the amount of
</P>
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principal and interest due and payable or to become due and payable from each Borrower to, in the case of the Register, each Lender and, in the case of such account or accounts, such Lender,
under this Agreement, absent manifest error; <U>provided</U>, <U>however</U>, that the failure of JPMCB, as Administrative Agent, or such Lender to make an entry, or any finding that an entry is incorrect, in the Register or such account or accounts
shall not limit or otherwise affect the obligations of any Borrower under this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.19&nbsp;&nbsp;&nbsp;&nbsp;<U>Use
of Proceeds</U>. The proceeds of the Advances shall be available (and each Borrower agrees that it shall use such proceeds) for general corporate purposes of Altria and its Subsidiaries. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.20&nbsp;&nbsp;&nbsp;&nbsp;<U>Extension Option</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The Borrower may request an extension of the Maturity Date for additional one year periods (each, an
&#147;<U>Extended Maturity Date</U>&#148;); <U>provided</U> that (i)&nbsp;the Borrower provides written notice requesting the extension to JPMCB, as Administrative Agent, not less than 30 days prior to the Maturity Date or the initial Extended
Maturity Date, as applicable, (ii)&nbsp;no Default or Event of Default has occurred and is continuing, (iii)&nbsp;no more than two such requests shall be made. JPMCB, as Administrative Agent, shall promptly notify each of the Lenders of such
request. Each Lender will respond to such request, whether affirmatively or negatively, as it may elect in its sole discretion, within 10 Business Days of such notice to JPMCB, as Administrative Agent and (iv)&nbsp;in no event, after giving effect
to such extension, shall the tenor exceed 5 years. The Commitments of those Lenders that have responded affirmatively shall be extended, subject to receipt by JPMCB, as Administrative Agent, of counterparts of an Extension Agreement in substantially
the form of Exhibit I hereto (the &#147;<U>Extension Agreement</U>&#148;) duly completed and signed by the Borrower, the Administrative Agent and all of the Lenders which have responded affirmatively. No extension of the Commitments pursuant to this
Section&nbsp;2.20 shall be legally binding on any party hereto unless and until such Extension Agreement is so executed and delivered by the Required Lenders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;If any Lender rejects, or is deemed to have rejected, the Borrower&#146;s request to extend its Commitment (each, a
&#147;<U><FONT STYLE="white-space:nowrap">Non-Extending</FONT> Lender</U>&#148;), (i) this Agreement shall terminate on the Maturity Date or the initial Extended Maturity Date, as applicable, with respect to such
<FONT STYLE="white-space:nowrap">Non-Extending</FONT> Lender (provided that such <FONT STYLE="white-space:nowrap">Non-Extending</FONT> Lender&#146;s rights under Sections 2.12, 2.15 and 9.04 and obligations under Section&nbsp;9.12 shall survive the
Maturity Date or the initial Extended Maturity Date, as applicable, as to matters occurring prior to such date), (ii) the Borrower shall pay to such Lender on the Maturity Date or the initial Extended Maturity Date, as applicable, any amounts due
and payable hereunder to such Lender on such date and (iii)&nbsp;the Borrower may, if it so elects upon five Business Days&#146; notice to JPMCB, as Administrative Agent, designate a Person to become a Lender after consultation with JPMCB, as
Administrative Agent, or agree with an existing Lender that such Lender&#146;s Commitment shall be increased (each, an &#147;<U>Assuming Lender</U>&#148;), in each case to assume, effective as of the Maturity Date or the initial Extended Maturity
Date, as applicable, any <FONT STYLE="white-space:nowrap">Non-Extending</FONT> Lenders&#146; Commitments and all of the obligations of such <FONT STYLE="white-space:nowrap">Non-Extending</FONT> Lenders under this Agreement thereafter arising
relating to such Commitments, without further recourse to or warranty by, or expense to such <FONT STYLE="white-space:nowrap">Non-Extending</FONT> Lenders; <U>provided</U> that any such designation or agreement may
</P>
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not increase the aggregate amount of the Commitments. The assumptions provided for in this Section&nbsp;2.20(b) shall be subject to the conditions that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;the Assuming Lenders shall have paid to the <FONT STYLE="white-space:nowrap">Non-Extending</FONT>
Lenders (A)&nbsp;the aggregate principal amount of, and any interest and fees accrued and unpaid up to but excluding the Maturity Date or the initial Extended Maturity Date, as applicable, on, the outstanding Advances, if any, of the <FONT
STYLE="white-space:nowrap">Non-Extending</FONT> Lenders under their respective Commitments being assumed; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;all additional costs, reimbursements, expense reimbursements and indemnities due and payable to
the <FONT STYLE="white-space:nowrap">Non-Extending</FONT> Lenders in respect of such Commitments shall have been paid by the Borrower; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;with respect to any such Assuming Lender, the applicable processing and recordation fee required
under Section&nbsp;9.07(a) for such assignment shall have been paid by the Assuming Lender (or, if it has been so agreed, by the Borrower). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On or prior
to the Maturity Date or the initial Extended Maturity Date, as applicable, (A)&nbsp;each Assuming Lender that is not an existing Lender shall have delivered to the Borrower and JPMCB, as Administrative Agent, an Assignment and Acceptance or such
other agreement acceptable to the Borrower and JPMCB, as Administrative Agent, and (B)&nbsp;any existing Lender assuming any Commitments shall have delivered confirmation in writing satisfactory to the Borrower and JPMCB, as Administrative Agent as
to the increase in the amount of its Commitment. Upon execution and delivery of the documentation pursuant to the foregoing clauses (A)&nbsp;and (B) and the Extension Agreement pursuant to Section&nbsp;2.20(a), and the payment of all amounts
referred to in clauses (i)&nbsp;through (iii) above, the Assuming Lenders, as of the Maturity Date or the initial Extended Maturity Date, as applicable, will be substituted for the <FONT STYLE="white-space:nowrap">Non-Extending</FONT> Lenders under
this Agreement to the extent of their assumed Commitments and shall be Lenders for all purposes of this Agreement, without any further acknowledgment by or the consent of the other Lenders, and the obligations of the
<FONT STYLE="white-space:nowrap">Non-Extending</FONT> Lenders to such extent hereunder shall, by the provisions hereof, be released and discharged. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE III </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CONDITIONS TO
EFFECTIVENESS AND LENDING </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.01&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions Precedent to Effectiveness</U>. This Agreement shall
become effective on and as of the first date (the &#147;<U>Effective Date</U>&#148;) on which the following conditions precedent have been satisfied: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Altria shall have notified each Lender and JPMCB, as Administrative Agent, in writing as to the proposed Effective
Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;On the Effective Date, the following statements shall be true and JPMCB, as Administrative Agent, shall
have received for the account of each Lender a certificate signed by a duly authorized officer of Altria, dated the Effective Date, stating that: </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;the representations and warranties contained in
Section&nbsp;4.01 are correct on and as of the Effective Date, and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;no event has occurred and
is continuing that constitutes a Default or Event of Default. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Prior to or simultaneously with the Effective
Date, Altria shall have satisfied all of its obligations under that certain Amended and Restated Credit Agreement relating to a US$3,000,000,000 <FONT STYLE="white-space:nowrap">5-Year</FONT> Revolving Credit Facility, dated as of August&nbsp;19,
2013, by and among Altria, the lenders party thereto and JPMCB and Citibank, as administrative agents including, without limitation, the payment of all loans, accrued interest and fees thereunder and all commitments thereunder shall have been, or
shall substantially contemporaneously be, terminated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;JPMCB, as Administrative Agent, shall have received on
or before the Effective Date the following, each dated such day, in form and substance satisfactory to JPMCB, as Administrative Agent: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;Certified copies of the resolutions of the Board of Directors of Altria approving this Agreement,
and of all documents evidencing other necessary corporate action and governmental approvals, if any, with respect to this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;A certificate of the Secretary or an Assistant Secretary of Altria certifying the names and true
signatures of the officers of Altria authorized to sign this Agreement and the other documents to be delivered hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;Favorable opinions of counsel (which may be <FONT STYLE="white-space:nowrap">in-house</FONT>
counsel) for Altria, substantially in the form of Exhibits <FONT STYLE="white-space:nowrap">F-1</FONT> and <FONT STYLE="white-space:nowrap">F-2</FONT> hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;An executed Guarantee. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;Certified copies of the resolutions of the Board of Directors of the Guarantor approving the
Guarantee, and of all documents evidencing other necessary corporate action and governmental approvals, if any, with respect to the Guarantee. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;A certificate of the Secretary or an Assistant Secretary of the Guarantor certifying the names and
true signatures of the officers of the Guarantor authorized to sign the Guarantee and the other documents to be delivered in connection therewith. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(vii)&nbsp;&nbsp;&nbsp;&nbsp;Favorable opinion of counsel (which may be <FONT STYLE="white-space:nowrap">in-house</FONT>
counsel) for Guarantor, substantially in the form of Exhibit <FONT STYLE="white-space:nowrap">F-3</FONT> hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(viii)&nbsp;&nbsp;&nbsp;&nbsp;A favorable opinion of Simpson Thacher&nbsp;&amp; Bartlett LLP, counsel for JPMCB, as
Administrative Agent, substantially in the form of Exhibit H hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:8%; font-size:10pt; font-family:Times New Roman">(ix)&nbsp;&nbsp;&nbsp;&nbsp;A certificate of the
chief financial officer or treasurer of Altria certifying that as of December&nbsp;31, 2017 (A) the aggregate amount of Debt, payment of which is </P>
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secured by any Lien referred to in clause (iii)&nbsp;of Section&nbsp;5.02(a), does not exceed $400,000,000, and (B)&nbsp;the aggregate amount of Debt included in clause (A)&nbsp;of this
subsection (ix), payment of which is secured by any Lien referred to in clause (iv)&nbsp;of Section&nbsp;5.02(a), does not exceed $200,000,000. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;This Agreement shall have been executed by Altria and JPMCB and Citibank, as Administrative Agents, and JPMCB, as
Administrative Agent, shall have been notified by each Initial Lender that such Initial Lender has executed this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;(i) JPMCB, as Administrative Agent, shall have received, at least five days prior to the Effective Date, all
documentation and other information regarding the Borrower reasonably requested in connection with applicable &#147;know your customer&#148; and anti-money laundering rules and regulations, including the Patriot Act, to the extent requested in
writing of the Borrower at least 10 days prior to the Effective Date and (ii)&nbsp;to the extent the Borrower qualifies as a &#147;legal entity customer&#148; under 31 C.F.R. &#167; 1010.230, at least five days prior to the Effective Date, any
Lender that has reasonably requested, in a written notice to the Borrower at least 10 days prior to the Effective Date, a Beneficial Ownership Certification in relation to the Borrower shall have received such Beneficial Ownership Certification
(provided that, upon the execution and delivery by JPMCB, as Administrative Agent, or any such Lender of its signature page to this Agreement, the respective condition set forth in this Section&nbsp;3.01(f) shall be deemed to be satisfied). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;Altria shall have paid all fees required to be paid on or before the Effective Date by Altria in connection with
the credit facility established hereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">JPMCB, as Administrative Agent, shall notify Altria and the Initial Lenders of the date that is the Effective
Date upon satisfaction of all of the conditions precedent set forth in this Section&nbsp;3.01. For purposes of determining compliance with the conditions specified in this Section&nbsp;3.01, each Lender shall be deemed to have consented to, approved
or accepted or to be satisfied with each document or other matter required thereunder to be consented to or approved by or acceptable or satisfactory to the Lenders unless an officer of JPMCB, as Administrative Agent, responsible for the
transactions contemplated by this Agreement shall have received notice from such Lender prior to the date that Altria, by notice to the Lenders, designates as the proposed Effective Date, specifying its objection thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.02&nbsp;&nbsp;&nbsp;&nbsp;<U>Initial Advance to Each Designated Subsidiary</U>. The obligation of each Lender to make an
initial Advance to each Designated Subsidiary following any designation of such Designated Subsidiary as a Borrower hereunder pursuant to Section&nbsp;9.08 is subject to the receipt by JPMCB, as Administrative Agent, on or before the date of such
initial Advance of each of the following, in form and substance satisfactory to JPMCB, as Administrative Agent, and dated such date, and in sufficient copies for each Lender: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Certified copies of the resolutions of the Board of Directors of such Designated Subsidiary (with a certified
English translation if the original thereof is not in English) approving this Agreement, and of all documents evidencing other necessary corporate action and governmental approvals, if any, with respect to this Agreement. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;A certificate of a proper officer of such Designated Subsidiary
certifying the names and true signatures of the officers of such Designated Subsidiary authorized to sign this Agreement and the other documents to be delivered hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;A certificate signed by a duly authorized officer of the Designated Subsidiary, dated as of the date of such
initial Advance, certifying that such Designated Subsidiary shall have obtained all governmental and third party authorizations, consents, approvals (including exchange control approvals) and licenses required under applicable laws and regulations
necessary for such Designated Subsidiary to execute and deliver this Agreement and to perform its obligations thereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;The Designation Agreement of such Designated Subsidiary, substantially in the form of Exhibit D hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;A favorable opinion of counsel (which may be <FONT STYLE="white-space:nowrap">in-house</FONT> counsel) to such
Designated Subsidiary, dated the date of such initial Advance, covering, to the extent customary and appropriate for the relevant jurisdiction, the opinions outlined on Exhibit G hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;Such other approvals, opinions or documents as any Lender, through JPMCB, as Administrative Agent, may reasonably
request. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.03&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions Precedent to Each Pro Rata Borrowing</U>. The obligation of each Lender
to make a Pro Rata Advance on the occasion of each Pro Rata Borrowing is subject to the conditions precedent that the Effective Date shall have occurred and on the date of such Pro Rata Borrowing the following statements shall be true, and the
acceptance by the Borrower of the proceeds of such Pro Rata Borrowing shall be a representation by such Borrower or Altria, as the case may be, that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;the representations and warranties contained in Section&nbsp;4.01 (except the representations set forth in the last
sentence of subsection (e)&nbsp;and in subsection (f)&nbsp;thereof (other than clause (i)&nbsp;thereof)) are correct on and as of the date of such Pro Rata Borrowing, before and after giving effect to such Pro Rata Borrowing and to the application
of the proceeds therefrom, as though made on and as of such date, and, if such Pro Rata Borrowing shall have been requested by a Designated Subsidiary, the representations and warranties of such Designated Subsidiary contained in its Designation
Agreement are correct on and as of the date of such Pro Rata Borrowing, before and after giving effect to such Pro Rata Borrowing and to the application of the proceeds therefrom, as though made on and as of such date; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;after giving effect to the application of the proceeds of all Borrowings on such date (together with any other
resources of the Borrower or Altria applied together therewith) no event has occurred and is continuing, or would result from such Pro Rata Borrowing, that constitutes a Default or Event of Default; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;if such Pro Rata Borrowing is in an aggregate principal amount equal to or greater than $500,000,000 and is being
made in connection with any purchase of shares of such Borrower&#146;s or Altria&#146;s capital stock or the capital stock of any other Person, or any purchase of all or substantially all of the assets of any Person (whether in one transaction or a
series of transactions) or any transaction of the type referred to in Section&nbsp;5.02(b), the statement in (b) </P>
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above shall also be true on a pro forma basis as if such transaction or purchase shall have been completed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.04&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions Precedent to Each Competitive Bid Borrowing</U>. The obligation of each Lender that is
to make a Competitive Bid Advance on the occasion of a Competitive Bid Borrowing is subject to the conditions precedent that (i)&nbsp;JPMCB, as Administrative Agent, shall have received the written confirmatory Notice of Competitive Bid Borrowing
with respect thereto, (ii)&nbsp;on or before the date of such Competitive Bid Borrowing, but prior to such Competitive Bid Borrowing, JPMCB, as Administrative Agent, shall have received a Competitive Bid Note payable to the order of such Lender for
each of the one or more Competitive Bid Advances to be made by such Lender as part of such Competitive Bid Borrowing, in a principal amount equal to the principal amount of the Competitive Bid Advance to be evidenced thereby and otherwise on such
terms as were agreed to for such Competitive Bid Advance in accordance with Section&nbsp;2.07, and (iii)&nbsp;on the date of such Competitive Bid Borrowing the following statements shall be true, and the acceptance by the Borrower of the proceeds of
such Competitive Bid Borrowing shall be a representation by such Borrower or Altria, as the case may be, that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;the representations and warranties contained in Section&nbsp;4.01 are correct on and as of the date of such
Competitive Bid Borrowing, before and after giving effect to such Competitive Bid Borrowing and to the application of the proceeds therefrom, as though made on and as of such date, and, if such Competitive Bid Borrowing shall have been requested by
a Designated Subsidiary, the representations and warranties of such Designated Subsidiary contained in its Designation Agreement are correct on and as of the date of such Competitive Bid Borrowing, before and after giving effect to such Competitive
Bid Borrowing and to the application of the proceeds therefrom, as though made on and as of such date, and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;after giving effect to the application of the proceeds of all Borrowings on such date (together with any other
resources of the Borrower or Altria applied together therewith), no event has occurred and is continuing, or would result from such Competitive Bid Borrowing that constitutes a Default or Event of Default. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE IV </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">REPRESENTATIONS AND
WARRANTIES </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.01&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties of Altria</U>. Altria represents and warrants as
follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;It is a corporation duly organized, validly existing and in good standing under the laws of Virginia.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The execution, delivery and performance of this Agreement and the Notes to be delivered by it are within its
corporate powers, have been duly authorized by all necessary corporate action, and do not contravene (i)&nbsp;its charter or <FONT STYLE="white-space:nowrap">by-laws</FONT> or (ii)&nbsp;in any material respect, any law, rule, regulation or order of
any court or governmental agency or any contractual restriction binding on or affecting it. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">50 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;No authorization or approval or other action by, and no notice to
or filing with, any governmental authority or regulatory body is required for the due execution, delivery and performance by it of this Agreement or the Notes to be delivered by it. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;This Agreement is, and each of the Notes to be delivered by it when delivered hereunder will be, a legal, valid and
binding obligation of Altria enforceable against Altria in accordance with its terms, subject to the effect of any applicable bankruptcy, insolvency, fraudulent conveyance, reorganization, moratorium and other laws affecting creditors&#146; rights
generally and subject, as to enforceability, to general principles of equity (regardless of whether enforcement is sought in a proceeding in equity or at law) and an implied covenant of good faith and fair dealing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;As reported in Altria&#146;s Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the
quarterly period ended June&nbsp;30, 2018, the unaudited condensed consolidated balance sheet of Altria and its Subsidiaries as of June&nbsp;30, 2018 and the unaudited condensed consolidated statement of earnings of Altria and its Subsidiaries for
the six months then ended fairly present, in all material respects, the consolidated financial position of Altria and its Subsidiaries as at such date and the consolidated results of the operations of Altria and its Subsidiaries for the six months
ended on such date, all in accordance with accounting principles generally accepted in the United States. Except as disclosed in Altria&#146;s Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarterly period ended
June&nbsp;30, 2018, and in any Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed subsequent to June&nbsp;30, 2018 but prior to the Effective Date, since June&nbsp;30, 2018 there has been no material adverse change in such
position or operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;There is no pending or threatened action or proceeding affecting it or any of its
Subsidiaries before any court, governmental agency or arbitrator (a &#147;<U>Proceeding</U>&#148;) (i) that purports to affect the legality, validity or enforceability of this Agreement or (ii)&nbsp;except for Proceedings disclosed in Altria&#146;s
Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2017, Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarterly period ended June&nbsp;30, 2018, any Current Report
on Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed subsequent to June&nbsp;30, 2018 but prior to the Effective Date and, with respect to Proceedings commenced after the date of the most recent such document but prior to the Effective Date, a
certificate delivered to the Lenders, that may materially adversely affect the financial position or results of operations of Altria and its Subsidiaries taken as a whole. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;It owns directly or indirectly 100% of the capital stock of each other Borrower. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;None of the proceeds of any Advance will be used, directly or indirectly, for the purpose of purchasing or carrying
any Margin Stock or for the purpose of reducing or retiring any indebtedness that was originally incurred to purchase or carry any Margin Stock or for any other purpose that would constitute the Advances as a &#147;purpose credit&#148; within the
meaning of Regulation U and, in each case, would constitute a violation of Regulation U. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;Altria has
implemented and maintains in effect policies and procedures regarding compliance by Altria, its Subsidiaries and their respective directors, officers, employees and agents with Anti-Corruption Laws and applicable Sanctions, and Altria, its
Subsidiaries and their respective officers and directors and to the knowledge of Altria its </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">51 </P>

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employees and agents, are in compliance with Anti-Corruption Laws and applicable Sanctions in all material respects. None of (a)&nbsp;Altria, any Subsidiary, any of their respective directors or
officers or to the knowledge of Altria or such Subsidiary employees, or (b)&nbsp;to the knowledge of Altria, any agent of Altria or any Subsidiary that will act in any capacity in connection with the credit facility established hereby, is a
Sanctioned Person. No Borrowing will violate any Anti-Corruption Law or applicable Sanctions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;No Borrower is
an EEA Financial Institution. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;As of the Effective Date, to the knowledge of Altria, the information included
in the Beneficial Ownership Certification provided on or prior to the Effective Date to any Lender in connection with this Agreement is true and correct in all respects. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE V </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">COVENANTS OF ALTRIA
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.01&nbsp;&nbsp;&nbsp;&nbsp;<U>Affirmative Covenants</U>. So long as any Advance shall remain unpaid or any Lender shall
have any Commitment hereunder, Altria will: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with Laws, Etc</U>. Comply, and cause each Major
Subsidiary to comply, in all material respects, with all applicable laws, rules, regulations and orders (such compliance to include, without limitation, complying with ERISA and paying before the same become delinquent all taxes, assessments and
governmental charges imposed upon it or upon its property except to the extent contested in good faith), noncompliance with which would materially adversely affect the financial condition or operations of Altria and its Subsidiaries taken as a
whole. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Maintenance of Ratio of Consolidated EBITDA to Consolidated Interest Expense</U>. Maintain a ratio
of Consolidated EBITDA for the four most recent fiscal quarters for which consolidated financial statements have been delivered pursuant to Section&nbsp;5.01(c)(i) or (ii)&nbsp;hereof to Consolidated Interest Expense for such four most recent fiscal
quarters of not less than 4.0 to 1.0. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Reporting Requirements</U>. Furnish to the Lenders: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;as soon as available and in any event within 60 days after the end of each of the first three
quarters of each fiscal year of Altria, an unaudited interim condensed consolidated balance sheet of Altria and its Subsidiaries as of the end of such quarter and unaudited interim condensed consolidated statements of earnings of Altria and its
Subsidiaries for the period commencing at the end of the previous fiscal year and ending with the end of such quarter, certified by the chief financial officer of Altria; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;as soon as available and in any event within 100 days after the end of each fiscal year of Altria,
a copy of the consolidated financial statements for such year for Altria and its Subsidiaries, audited by PricewaterhouseCoopers LLP (or other independent auditors that, as of the date of this Agreement, are one of the &#147;big four&#148;
accounting firms); </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">52 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;all reports that Altria sends to any of its
shareholders, and copies of all reports on Form <FONT STYLE="white-space:nowrap">8-K</FONT> (or any successor forms adopted by the Securities and Exchange Commission) that Altria files with the Securities and Exchange Commission; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;as soon as possible and in any event within five days after the occurrence of each Event of
Default and each Default, continuing on the date of such statement, a statement of the chief financial officer or treasurer of Altria setting forth details of such Event of Default or Default and the action that Altria has taken and proposes to take
with respect thereto; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;within 60 days of the end of each fiscal quarter of Altria, a statement
of the chief financial officer or treasurer of Altria certifying compliance with the requirements of Section&nbsp;5.01(b) and setting forth the relevant calculations; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;such other historical information respecting the condition or operations, financial or otherwise
(including, but not limited to, information relating to &#147;know your customer&#148; requirements), of Altria or any Major Subsidiary as any Lender through JPMCB, as Administrative Agent, may from time to time reasonably request; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(vii)&nbsp;&nbsp;&nbsp;&nbsp;any change in the information provided in the Beneficial Ownership Certification delivered to
such Lenders that would result in a change to the list of beneficial owners identified in such certification. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In lieu of furnishing the Lenders the items
referred to in clauses (i), (ii) and (iii)&nbsp;above, Altria may make such items available on the internet at www.altria.com (which website includes an option to subscribe to a free service alerting subscribers by
<FONT STYLE="white-space:nowrap">e-mail</FONT> of new Securities and Exchange Commission filings) or any successor or replacement website thereof, or by similar electronic means. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman">&nbsp;5.01.01<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B>&nbsp;</B><U>Affirmative Covenants Related to the
Cronos Investment</U>. On and after the Cronos Closing Date and so long as Altria maintains any equity or other similar or related financial interest in respect of Cronos or any successor thereto: </FONT></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Altria will comply, and cause each of its Subsidiaries to comply with the Controlled Substances Act and the Civil
Asset Forfeiture Reform Act (as it relates to violation of the Controlled Substances Act) and all related applicable anti-money laundering laws, to the extent such noncompliance with such regulations would materially adversely affect the financial
condition or operations of Altria and its Subsidiaries taken as a whole. Altria shall not, and shall cause its Subsidiaries to not, knowingly and intentionally repay any principal of the Advances, pay any interest or fees accruing thereon or pay any
other obligations hereunder, in each case, with funds that it knows, at the time of such payment, that Cronos derived from a violation of the Controlled Substances Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Altria will notify the Administrative Agents and the Lenders as soon as possible and in any event within five days
after obtaining knowledge thereof: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;any material action, suit or proceeding against Altria or
any of its Subsidiaries or any of their respective properties (x)&nbsp;with respect to the Controlled </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">53 </P>

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Substances Act or, solely as they may relate to an alleged violation of the Controlled Substances Act, the Civil Asset Forfeiture Reform Act or applicable anti-money laundering laws, or
(y)&nbsp;by a governmental authority of any foreign jurisdiction where the sale of marijuana or such other controlled substance is illegal that alleges a violation of applicable narcotics-related laws of such foreign jurisdiction; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;any failure by Cronos to comply with Section&nbsp;5.1(c) of the Investor Rights Agreement (as
defined in the Cronos Subscription Agreement). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<B><U></U><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">It is agreed that solely for the purposes of Section&nbsp;5.01(a),
Cronos shall be deemed to constitute a &#147;Major Subsidiary.&#148; </FONT></FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;It is agreed that
solely for purposes of Section&nbsp;5.01.01(a), Cronos shall be deemed to constitute a &#147;Subsidiary.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.02&nbsp;&nbsp;&nbsp;&nbsp;<U>Negative Covenants</U>. So long as any Advance shall remain unpaid or any Lender shall have any
Commitment hereunder, Altria will not: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Liens, Etc.</U> Create or suffer to exist, or permit any Major
Subsidiary to create or suffer to exist, any lien, security interest or other charge or encumbrance (other than operating leases and licensed intellectual property), or any other type of preferential arrangement (&#147;<U>Liens</U>&#148;), upon or
with respect to any of its properties, whether now owned or hereafter acquired, or assign, or permit any Major Subsidiary to assign, any right to receive income, in each case to secure or provide for the payment of any Debt of any Person, other
than: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;Liens upon or in property acquired or held by it or any Major Subsidiary in the ordinary
course of business to secure the purchase price of such property or to secure indebtedness incurred solely for the purpose of financing the acquisition of such property; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;Liens existing on property at the time of its acquisition (other than any such lien or security
interest created in contemplation of such acquisition); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;Liens existing on the date hereof
securing Debt; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;Liens on property financed through the issuance of industrial revenue bonds in
favor of the holders of such bonds or any agent or trustee therefor; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;Liens existing on
property of any Person acquired by Altria or any Major Subsidiary; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;Liens securing Debt in an
aggregate amount not in excess of 15% of Consolidated Tangible Assets; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(vii)&nbsp;&nbsp;&nbsp;&nbsp;Liens upon or with
respect to Margin Stock; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(viii)&nbsp;&nbsp;&nbsp;&nbsp;Liens in favor of Altria or any Major Subsidiary; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">54 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ix)&nbsp;&nbsp;&nbsp;&nbsp;Liens in connection with leasing, sale and
leaseback and structured finance transactions conducted in the ordinary course of business of Philip Morris Capital Corporation, <U>provided</U> that any such Liens that secure the payment of Debt are without recourse to the general credit or assets
of Altria and its Major Subsidiaries; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(x)&nbsp;&nbsp;&nbsp;&nbsp;precautionary Liens provided by Altria or any Major
Subsidiary in connection with the sale, assignment, transfer or other disposition of assets by Altria or such Major Subsidiary, which transaction is determined by the Board of Directors of Altria or such Major Subsidiary to constitute a
&#147;sale&#148; under accounting principles generally accepted in the United States; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(xi)&nbsp;&nbsp;&nbsp;&nbsp;any
extension, renewal or replacement of the foregoing, provided that (A)&nbsp;such Lien does not extend to any additional assets (other than a substitution of like assets), and (B)&nbsp;the amount of Debt secured by any such Lien is not increased. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Mergers, Etc.</U> Consolidate with or merge into, or convey or transfer its properties and assets substantially
as an entirety to, any Person, or permit any Subsidiary directly or indirectly owned by it to do so, unless, immediately after giving effect thereto, no Default or Event of Default would exist and, in the case of any merger or consolidation to which
it is a party, the surviving corporation is Altria or was a Subsidiary of Altria immediately prior to such merger or consolidation, which is organized and existing under the laws of the United States of America or any State thereof, or the District
of Columbia. The surviving corporation of any merger or consolidation involving Altria or any other Borrower shall assume all of Altria&#146;s or such Borrower&#146;s obligations under this Agreement (including without limitation with respect to
Altria&#146;s obligations, the covenants set forth in Article V) by the execution and delivery of an instrument in form and substance satisfactory to the Required Lenders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section<U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><B></B></FONT></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000">
<B><STRIKE></STRIKE></B></FONT><B><U></U></B><U></U><FONT STYLE="font-family:Times New Roman"><U></U>&nbsp;5.02.01 <U>Negative Covenants Related to the Cronos Investment</U>. On and after the Cronos Closing Date and so long as Altria maintains any
equity or other similar or related financial interest in respect of Cronos or any successor thereto, the proceeds of any Borrowing shall not be used in contravention of the Controlled Substances Act or any related applicable anti-money laundering
law. </FONT></P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE VI </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">EVENTS OF DEFAULT </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.01&nbsp;&nbsp;&nbsp;&nbsp;<U>Events of Default</U>. Each of the following events (each an &#147;<U>Event of Default</U>&#148;)
shall constitute an Event of Default: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Any Borrower or Altria shall fail to pay any principal of any Advance
when the same becomes due and payable; or any Borrower shall fail to pay interest on any Advance, or Altria shall fail to pay any fees payable under Section&nbsp;2.09, within ten days after the same becomes due and payable; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Any representation or warranty made or deemed to have been made by any Borrower or Altria herein or by any Borrower
or Altria (or any of their respective officers) in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">55 </P>

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connection with this Agreement shall prove to have been incorrect in any material respect when made or deemed to have been made; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Any Borrower or Altria shall fail to perform or observe (i)&nbsp;any term, covenant or agreement contained in
Section&nbsp;5.01(b) or 5.02(b), (ii) any term, covenant or agreement contained in Section&nbsp;5.02(a) if such failure shall remain unremedied for 15 days after written notice thereof shall have been given to Altria by JPMCB, as Administrative
Agent, or any Lender or (iii)&nbsp;any other term, covenant or agreement contained in this Agreement on its part to be performed or observed if such failure shall remain unremedied for 30 days after written notice thereof shall have been given to
Altria by JPMCB, as Administrative Agent, or any Lender; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Any Borrower or Altria or any Major Subsidiary
shall fail to pay any principal of or premium or interest on any Debt which is outstanding in a principal amount of at least $100,000,000 in the aggregate (but excluding Debt arising under this Agreement) of such Borrower or Altria or such Major
Subsidiary (as the case may be), when the same becomes due and payable (whether by scheduled maturity, required prepayment, acceleration, demand or otherwise), and such failure shall continue after the applicable grace period, if any, specified in
the agreement or instrument relating to such Debt unless adequate provision for any such payment has been made in form and substance satisfactory to the Required Lenders; or any Debt of any Borrower or Altria or any Major Subsidiary which is
outstanding in a principal amount of at least $100,000,000 in the aggregate (but excluding Debt arising under this Agreement) shall be declared to be due and payable, or required to be prepaid (other than by a scheduled required prepayment),
redeemed, purchased or defeased, or an offer to prepay, redeem, purchase or defease such Debt shall be required to be made, in each case prior to the stated maturity thereof unless adequate provision for the payment of such Debt has been made in
form and substance satisfactory to the Required Lenders; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;Any Borrower or Altria or any Major Subsidiary
shall generally not pay its debts as such debts become due, or shall admit in writing its inability to pay its debts generally, or shall make a general assignment for the benefit of creditors; or any proceeding shall be instituted by or against any
Borrower or Altria or any Major Subsidiary seeking to adjudicate it a bankrupt or insolvent, or seeking liquidation, winding up, reorganization, arrangement, adjustment, protection, relief, or composition of it or its debts under any law relating to
bankruptcy, insolvency or reorganization or relief of debtors, or seeking the entry of an order for relief or the appointment of a receiver, trustee, or other similar official for it or for any substantial part of its property, and, in the case of
any such proceeding instituted against it (but not instituted by it), either such proceeding shall remain undismissed or unstayed for a period of 60 days or any of the actions sought in such proceeding (including, without limitation, the entry of an
order for relief against it or the appointment of a receiver, trustee, custodian or other similar official for it or for any of its property constituting a substantial part of the property of Altria and its Subsidiaries taken as a whole) shall
occur; or any Borrower or any Major Subsidiary shall take any corporate action to authorize any of the actions set forth above in this subsection (e); or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;Any judgment or order for the payment of money in excess of $100,000,000 shall be rendered against any Borrower or
Altria or any Major Subsidiary and </P>
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there shall be any period of 60 consecutive days during which a stay of enforcement of such unsatisfied judgment or order, by reason of a pending appeal or otherwise, shall not be in effect;
<U>provided</U> that such <FONT STYLE="white-space:nowrap">60-day</FONT> stay period shall be extended for a period not to exceed an additional 120 days if (i)&nbsp;Altria, such Borrower or such Major Subsidiary is contesting such judgment or
enforcement of such judgment in good faith, unless, with respect only to judgments or orders rendered outside the United States, such action is not reasonably required to protect its respective assets from levy or garnishment, and (ii)&nbsp;no
assets with a fair market value in excess of $100,000,000 of Altria, such Borrower or such Major Subsidiary have been levied upon or garnished to satisfy such judgment; <U>provided</U>, <U>further</U>, that such
<FONT STYLE="white-space:nowrap">60-day</FONT> stay period shall be further extended for any judgment or order rendered outside the United States until such time as the conditions in clauses (i)&nbsp;or (ii) are no longer satisfied; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;Any Borrower, Altria or any ERISA Affiliate shall incur, or shall be reasonably likely to incur, liability in
excess of $500,000,000 in the aggregate as a result of one or more of the following: (i)&nbsp;the occurrence of any ERISA Event; (ii)&nbsp;the partial or complete withdrawal of any Borrower, Altria or any ERISA Affiliate from a Multiemployer Plan;
or (iii)&nbsp;the termination of a Multiemployer Plan; <U>provided</U>, <U>however</U>, that no Default or Event of Default under this Section&nbsp;6.01(g) shall be deemed to have occurred if the Borrower, Altria or any ERISA Affiliate shall have
made arrangements satisfactory to the PBGC or the Required Lenders to discharge or otherwise satisfy such liability (including the posting of a bond or other security); or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;So long as any Subsidiary of Altria is a Designated Subsidiary, the guaranty provided by Altria under Article VIII
hereof shall for any reason cease to be valid and binding on Altria or Altria shall so state in writing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;On
and after the Cronos Closing Date and so long as Altria maintains any equity or other similar or related financial interest in respect of Cronos or any successor thereto, any property of Altria, or any part thereof, has been seized by a Governmental
Authority pursuant to the Civil Asset Forfeiture Reform Act or other applicable law on the grounds that such property or any such portion thereof had been used to commit or facilitate the commission of a criminal offense by Altria or its affiliates
under the Controlled Substances Act, as determined by a court of competent jurisdiction by final and nonappealable judgment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.02&nbsp;&nbsp;&nbsp;&nbsp;<U>Lenders&#146; Rights upon Event of Default</U>. If an Event of Default occurs or is continuing,
then JPMCB, as Administrative Agent, shall at the request, or may with the consent, of the Required Lenders, by notice to Altria and the Borrowers: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;declare the obligation of each Lender to make further Advances to be terminated, whereupon the same shall forthwith
terminate, and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;declare all the Advances then outstanding, all interest thereon and all other amounts payable
under this Agreement to be forthwith due and payable, whereupon the Advances then outstanding, all such interest and all such amounts shall become and be forthwith due and payable, without presentment, demand, protest or further notice of any kind,
all of which are hereby expressly waived by the Borrowers; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>provided</U>, <U>however</U>, that in the event of an actual or deemed entry of an order for relief with
respect to any Borrower under the Federal Bankruptcy Code, (i)&nbsp;the obligation of each Lender to make Advances shall automatically be terminated and (ii)&nbsp;the Advances then outstanding, all such interest and all such amounts shall
automatically become and be due and payable, without presentment, demand, protest or any notice of any kind, all of which are hereby expressly waived by the Borrowers. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE VII </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">THE ADMINISTRATIVE
AGENTS </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.01&nbsp;&nbsp;&nbsp;&nbsp;<U>Authorization and Action</U>. Each Lender hereby appoints and authorizes the
Administrative Agents to take such action as agent on its behalf and to exercise such powers and discretion under this Agreement as are delegated to the Administrative Agents by the terms hereof, together with such powers and discretion as are
reasonably incidental thereto. As to any matters not expressly provided for by this Agreement (including, without limitation, enforcement or collection of the Notes), the Administrative Agents shall not be required to exercise any discretion or take
any action, but shall be required to act or to refrain from acting (and shall be fully protected in so acting or refraining from acting) upon the instructions of the Required Lenders, and such instructions shall be binding upon all Lenders and all
holders of Notes; <U>provided</U>, <U>however</U>, that no Administrative Agent shall be required to take any action that exposes such Administrative Agent to personal liability or that is contrary to this Agreement or applicable law. Each of the
Administrative Agents agrees to give to each Lender prompt notice of each notice given to it by any Borrower as required by the terms of this Agreement or at the request of such Borrower, and any notice provided pursuant to Section&nbsp;5.01(c)(iv).
No Administrative Agent shall have, by reason hereof, a fiduciary relationship in respect of any Lender; and nothing herein, expressed or implied, is intended to or shall be so construed as to impose upon any Administrative Agent any obligations in
respect hereof except as expressly set forth herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.02&nbsp;&nbsp;&nbsp;&nbsp;<U>Administrative
Agents</U><U>&#146;</U><U> Reliance, Etc.</U> Neither the Administrative Agents nor any of their directors, officers, agents or employees shall be liable for any action taken or omitted to be taken by it or them under or in connection with this
Agreement, except for its or their own gross negligence or willful misconduct. Without limitation of the generality of the foregoing, the Administrative Agents: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;may treat the Lender that made any Advance as the holder of the Debt resulting therefrom until JPMCB, as
Administrative Agent, receives and accepts an Assignment and Acceptance entered into by such Lender, as assignor, and an Eligible Assignee, as assignee, as provided in Section&nbsp;9.07; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;may consult with legal counsel (including counsel for Altria or any Borrower), independent public accountants and
other experts selected by it and shall not be liable for any action taken or omitted to be taken in good faith by it in accordance with the advice of such counsel, accountants or experts; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;make no warranty or representation to any Lender and shall not be
responsible to any Lender for any statements, warranties or representations (whether written or oral) made in or in connection with this Agreement; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;shall not have any duty to ascertain or to inquire as to the performance or observance of any of the terms,
covenants or conditions of this Agreement on the part of any Borrower or to inspect the property (including the books and records) of such Borrower; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;shall not be responsible to any Lender for the due execution, legality, validity, enforceability, genuineness,
sufficiency or value of this Agreement or any other instrument or document furnished pursuant hereto; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;shall incur no liability under or in respect of this Agreement by acting upon any notice, consent, certificate or
other instrument or writing (which may be by <FONT STYLE="white-space:nowrap">e-mail)</FONT> believed by it to be genuine and signed or sent by the proper party or parties. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.03&nbsp;&nbsp;&nbsp;&nbsp;<U>JPMCB, Citibank and Affiliates</U>. With respect to its Commitment and the Advances made by it,
each of JPMCB and Citibank shall have the same rights and powers under this Agreement as any other Lender and may exercise the same as though it were not an Administrative Agent; and the term &#147;Lender&#148; or &#147;Lenders&#148; shall, unless
otherwise expressly indicated, include JPMCB and Citibank in their individual capacities. JPMCB and Citibank and their affiliates may accept deposits from, lend money to, act as trustee under indentures of, accept investment banking engagements from
and generally engage in any kind of business with, any Borrower, any of its Subsidiaries and any Person who may do business with or own securities of any Borrower or any such Subsidiary, all as if JPMCB and Citibank were not Administrative Agents
and without any duty to account therefor to the Lenders. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.04&nbsp;&nbsp;&nbsp;&nbsp;<U>Lender Credit Decision</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Each Lender acknowledges that it has, independently and without reliance upon either Administrative Agent, any
Syndication Agent, any Documentation Agent, or any other Lender and based on the financial statements referred to in Section&nbsp;4.01 and such other documents and information as it has deemed appropriate, made its own credit analysis and decision
to enter into this Agreement. Each Lender also acknowledges that it will, independently and without reliance upon any Administrative Agent, Syndication Agent, Documentation Agent, or any other Lender and based on such documents and information as it
shall deem appropriate at the time, continue to make its own credit decisions in taking or not taking action under this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT
STYLE="font-family:Times New Roman"><B><U></U></B><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE></STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman">(i) Each Lender hereby agrees that (x)&nbsp;if JPMCB,
as Administrative Agent, notifies&nbsp;such Lender that JPMCB, as Administrative Agent, has determined&nbsp;in its sole discretion that any funds received by such Lender from JPMCB, as Administrative Agent, or any of its Affiliates (whether as a
payment, prepayment or repayment of principal, interest, fees or otherwise; individually and collectively, a &#147;<U>Payment</U>&#148;) were erroneously transmitted to such Lender (whether or not known to such Lender), and demands the return of
such Payment (or a portion thereof), such Lender shall promptly, but in no event later than one Business Day thereafter, return to JPMCB, as Administrative Agent, the amount of any such Payment (or portion thereof) as to which such a demand was made
in same day funds, together with interest thereon in respect of each day from and including the date such Payment (or </FONT></FONT></P>
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portion thereof) was received by such Lender to the date such amount is repaid to JPMCB, as Administrative Agent, at the greater of the NYFRB Rate and a rate determined by JPMCB, as
Administrative Agent, in accordance with banking industry rules on interbank compensation from time to time in effect, and (y)&nbsp;to the extent permitted by applicable law, such Lender shall not assert, and hereby waives, as to JPMCB, as
Administrative Agent, any claim, counterclaim, defense or right of <FONT STYLE="white-space:nowrap">set-off</FONT> or recoupment with respect to any demand, claim or counterclaim by JPMCB, as Administrative Agent, for the return of any Payments
received, including without limitation any defense based on &#147;discharge for value&#148; or any similar doctrine. A notice of JPMCB, as Administrative Agent, to any Lender under this Section&nbsp;7.04(b) shall be conclusive, absent manifest
error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;Each Lender hereby further agrees that if it&nbsp;receives a Payment from JPMCB, as
Administrative Agent, or any of its Affiliates (x)&nbsp;that is in a different amount than, or on a different date from, that specified in a notice of payment sent by JPMCB, as Administrative Agent, (or any of its Affiliates) with respect to such
Payment (a &#147;<U>Payment Notice</U>&#148;) or (y)&nbsp;that was not preceded or accompanied by a Payment Notice, it shall be on notice, in each such case, that an error has been made with respect to such Payment.&nbsp;Each Lender agrees that, in
each such case, or if it otherwise becomes aware a Payment (or portion thereof) may have been sent in error, such Lender shall promptly notify JPMCB, as Administrative Agent, of such occurrence and, upon demand from JPMCB, as Administrative Agent,
it shall promptly, but in no event later than one Business Day thereafter, return to JPMCB, as Administrative Agent, the amount of any such Payment (or portion thereof) as to which such a demand was made in same day funds, together with interest
thereon in respect of each day from and including the date such Payment (or portion thereof) was received by such Lender to the date such amount is repaid to JPMCB, as Administrative Agent, at the greater of the NYFRB Rate and a rate determined by
JPMCB, as Administrative Agent, in accordance with banking industry rules on interbank compensation from time to time in effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;The Borrower hereby agrees that (x)&nbsp;in the event an erroneous Payment (or portion thereof)
is not recovered from any Lender that has received such Payment (or portion thereof) for any reason, JPMCB, as Administrative Agent, shall be subrogated to all the rights of such Lender with respect to such amount and (y)&nbsp;an erroneous Payment
shall not pay, prepay, repay, discharge or otherwise satisfy any Obligations owed by the Borrower except, in each case, to the extent such erroneous Payment is, and solely with respect to the amount of such erroneous Payment that is, comprised of
funds of the Borrower. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;Each party&#146;s obligations under this Section&nbsp;7.04(b) shall
survive the resignation or replacement of JPMCB, as Administrative Agent, or any transfer of rights or obligations by, or the replacement of, a Lender, the termination of the Commitments or the repayment, satisfaction or discharge of all Obligations
under any Loan Document. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.05&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification</U>. The Lenders agree to indemnify each
Administrative Agent solely in its capacity as Administrative Agent (to the extent not reimbursed </P>
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by the Borrowers), ratably according to the respective principal amounts of the Pro Rata Advances then owing to each of them (or if no Pro Rata Advances are at the time outstanding, ratably
according to the respective amounts of their Commitments), from and against any and all liabilities, obligations, losses, damages, penalties, actions, judgments, suits, costs, expenses or disbursements of any kind or nature whatsoever that may be
imposed on, incurred by, or asserted against such Administrative Agent in any way relating to or arising out of this Agreement or any action taken or omitted by such Administrative Agent under this Agreement (collectively, the &#147;<U>Indemnified
Costs</U>&#148;), <U>provided</U> that no Lender shall be liable for any portion of the Indemnified Costs to the extent resulting from such Administrative Agent&#146;s gross negligence or willful misconduct as found in a final, <FONT
STYLE="white-space:nowrap">non-appealable</FONT> judgment by a court of competent jurisdiction. Without limitation of the foregoing, each Lender agrees to reimburse such Administrative Agent promptly upon demand for its ratable share of any <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses (including counsel fees) incurred by such Administrative Agent in connection with the preparation, execution, delivery, administration, modification,
amendment or enforcement (whether through negotiations, legal proceedings or otherwise) of, or legal advice in respect of rights or responsibilities under, this Agreement, to the extent that such Administrative Agent is not reimbursed for such
expenses by the Borrowers. In the case of any investigation, litigation or proceeding giving rise to any Indemnified Costs, this Section&nbsp;7.05 applies whether any such investigation, litigation or proceeding is brought by any Administrative
Agent, any Lender or a third party. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.06&nbsp;&nbsp;&nbsp;&nbsp;<U>Successor Administrative Agents</U>. An Administrative
Agent may resign at any time by giving written notice thereof to the Lenders and Altria and may be removed at any time with or without cause by the Required Lenders. Upon the resignation or removal of JPMCB, as Administrative Agent, Citibank, as
Administrative Agent, shall succeed to and become vested with all the rights, powers, discretion, privileges and duties of JPMCB, as Administrative Agent, and JPMCB, as Administrative Agent shall be discharged from its duties and obligations under
this Agreement. Upon any other such resignation or removal which results in there being no Administrative Agent hereunder, the Required Lenders shall have the right to appoint a successor Administrative Agent. If no successor Administrative Agent
shall have been so appointed by the Required Lenders, and shall have accepted such appointment, within 30 days after the retiring Administrative Agent&#146;s giving of notice of resignation or the Required Lenders&#146; removal of the retiring
Administrative Agent, then the retiring Administrative Agent may, on behalf of the Lenders, appoint a successor Administrative Agent, which shall be a commercial bank organized under the laws of the United States of America or of any State thereof
and having a combined capital and surplus of at least $500,000,000. Upon the acceptance of any appointment as Administrative Agent hereunder by a successor Administrative Agent, such successor Administrative Agent shall thereupon succeed to and
become vested with all the rights, powers, discretion, privileges and duties of the retiring Administrative Agent, and the retiring Administrative Agent shall be discharged from its duties and obligations under this Agreement. After any retiring
Administrative Agent&#146;s resignation or removal hereunder as Administrative Agent, the provisions of this Article VII shall inure to its benefit as to any actions taken or omitted to be taken by it while it was Administrative Agent under this
Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.07&nbsp;&nbsp;&nbsp;&nbsp;<U>Syndication Agents and Documentation Agents</U>. Barclays Bank PLC, Credit Suisse
Securities (USA) LLC, Deutsche Bank Securities Inc., Goldman Sachs Bank USA, Mizuho Bank, Ltd. and The Bank of Nova Scotia have been designated as Syndication </P>
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Agents, and Morgan Stanley Senior Funding, Inc., Santander Bank, N.A., U.S. Bank National Association and Wells Fargo Bank, National Association have been designated as Documentation Agents, but
the use of such titles does not impose on any of them any duties or obligations greater than those of any other Lender. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.08&nbsp;&nbsp;&nbsp;&nbsp;<U>Posting of Communications</U>. (a)&nbsp;Subject to Section&nbsp;9.12, each Borrower agrees that
the Administrative Agent may, but shall not be obligated to, make any Communications available to the Lenders by posting the Communications on IntraLinks<SUP STYLE="font-size:75%; vertical-align:top">&#153;</SUP>, DebtDomain, SyndTrak, ClearPar or
any other electronic platform chosen by the Administrative Agent to be its electronic transmission system (the &#147;<U>Approved Electronic Platform</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;Although the Approved Electronic Platform and its primary web portal are secured with
generally-applicable security procedures and policies implemented or modified by JPMCB, as Administrative Agent, from time to time (including, as of the Effective Date, a user ID/password authorization system) and the Approved Electronic Platform is
secured through a <FONT STYLE="white-space:nowrap">per-deal</FONT> authorization method whereby each user may access the Approved Electronic Platform only on a
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">deal-by-deal</FONT></FONT> basis, each of the Lenders and the Borrower acknowledges and agrees that the distribution of material through an electronic medium is not necessarily
secure, that JPMCB, as Administrative Agent, is not responsible for approving or vetting the representatives or contacts of any Lender (the &#147;<U>Authorized Users</U>&#148;) that are added to the Approved Electronic Platform, and that there are
confidentiality and other risks associated with such distribution. JPMCB, as Administrative Agent, shall not consent to any changes, amendments or alterations to any generally-applicable security procedures and policies applicable to the Approved
Electronic Platform. JPMCB, as Administrative Agent, shall take all reasonable and practicable steps necessary to limit access to the Approved Electronic Platform to Authorized Users. In the event that JPMCB, as Administrative Agent, receives
notification from the Approved Electronic Platform that unauthorized access has occurred, JPMCB, as Administrative Agent, shall promptly notify Altria of such unauthorized access and actions taken or to be taken to prevent future unauthorized
access. Subject to Section&nbsp;9.12, each of the Lenders and each of the Borrowers hereby approves distribution of the Communications through the Approved Electronic Platform and understands and assumes the risks of such distribution. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;THE APPROVED ELECTRONIC PLATFORM AND THE COMMUNICATIONS ARE PROVIDED &#147;AS IS&#148; AND
&#147;AS AVAILABLE&#148;. THE APPLICABLE PARTIES (AS DEFINED BELOW) DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE COMMUNICATIONS, OR THE ADEQUACY OF THE APPROVED ELECTRONIC PLATFORM AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN
THE APPROVED ELECTRONIC PLATFORM AND THE COMMUNICATIONS. NO WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, <FONT STYLE="white-space:nowrap">NON-INFRINGEMENT</FONT> OF
THIRD PARTY RIGHTS OR FREEDOM FROM VIRUSES OR OTHER CODE DEFECTS, IS MADE BY THE APPLICABLE PARTIES IN CONNECTION WITH THE COMMUNICATIONS OR THE APPROVED ELECTRONIC PLATFORM. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#147;<U>Communications</U>&#148; means, collectively, any notice, demand, communication, information,
document or other material provided by or on behalf of any Borrower pursuant to this Agreement and the other documents to be delivered hereunder or the transactions contemplated therein which is distributed by the Administrative Agents or any Lender
by means of electronic communications pursuant to this Section, including through an Approved Electronic Platform. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;Each Lender agrees that notice to it (as provided in the next sentence) specifying that
Communications have been posted to the Approved Electronic Platform shall constitute effective delivery of the Communications to such Lender for purposes of this Agreement and the other documents to be delivered hereunder. Each Lender agrees
(i)&nbsp;to notify JPMCB, as Administrative Agent, in writing (which could be in the form of electronic communication) from time to time of such Lender&#146;s email address to which the foregoing notice may be sent by electronic transmission and
(ii)&nbsp;that the foregoing notice may be sent to such email address. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;Each of the Lenders
and the Borrower agrees that JPMCB, as Administrative Agent, may, but (except as may be required by applicable law) shall not be obligated to, store the Communications on the Approved Electronic Platform in accordance with JPMCB&#146;s, as
Administrative Agent, generally applicable document retention procedures and policies. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;Nothing
herein shall prejudice the right of the Administrative Agents or any Lender to give any notice or other communication pursuant to this Agreement and the other documents to be delivered hereunder in any other manner specified in such document. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE VIII </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GUARANTY </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.01&nbsp;&nbsp;&nbsp;&nbsp;<U>Guaranty</U>. Altria hereby unconditionally and irrevocably guarantees as primary obligor and not
as surety (the undertaking of Altria contained in this Article VIII being the &#147;<U>Guaranty</U>&#148;) the punctual payment when due, whether at stated maturity, by acceleration or otherwise, of all obligations of each Borrower now or hereafter
existing under this Agreement, whether for principal, interest, fees, expenses or otherwise (such obligations being the &#147;<U>Obligations</U>&#148;), and any and all expenses (including counsel fees and expenses) incurred by JPMCB, as
Administrative Agent, or the Lenders in enforcing any rights under the Guaranty. The Guaranty is a guaranty of payment and not of collection. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.02&nbsp;&nbsp;&nbsp;&nbsp;<U>Guaranty Absolute</U>. Altria guarantees that the Obligations will be paid strictly in accordance
with the terms of this Agreement, regardless of any law, regulation or order now or hereafter in effect in any jurisdiction affecting any of such terms or the rights of JPMCB, as Administrative Agent, or the Lenders with respect thereto. The
liability of Altria under this Guaranty shall be absolute and unconditional irrespective of: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;any lack of
validity, enforceability or genuineness of any provision of this Agreement or any other agreement or instrument relating thereto; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;any change in the time, manner or place of payment of, or in any
other term of, all or any of the Obligations, or any other amendment or waiver of or any consent to departure from this Agreement; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;any exchange, release or <FONT STYLE="white-space:nowrap">non-perfection</FONT> of any collateral, or any release
or amendment or waiver of or consent to departure from any other guaranty, for all or any of the Obligations; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;any other circumstance which might otherwise constitute a defense available to, or a discharge of, a Borrower or
Altria. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">This Guaranty shall continue to be effective or be reinstated, as the case may be, if at any time any payment of any of the
Obligations is rescinded or must otherwise be returned by JPMCB, as Administrative Agent, or any Lender upon the insolvency, bankruptcy or reorganization of a Borrower or otherwise, all as though such payment had not been made. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.03&nbsp;&nbsp;&nbsp;&nbsp;<U>Waivers</U>. (a)&nbsp;Altria hereby waives promptness, diligence, notice of acceptance and any
other notice with respect to any of the Obligations and this Guaranty and any requirement that JPMCB, as Administrative Agent, or any Lender protect, secure, perfect or insure any security interest or lien or any property subject thereto or exhaust
any right or take any action against a Borrower or any other Person or any collateral. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Altria hereby
irrevocably waives any claims or other rights that it may now or hereafter acquire against any Borrower that arise from the existence, payment, performance or enforcement of Altria&#146;s obligations under this Guaranty or this Agreement, including,
without limitation, any right of subrogation, reimbursement, exoneration, contribution or indemnification and any right to participate in any claim or remedy of JPMCB, as Administrative Agent, or any Lender against such Borrower or any collateral,
whether or not such claim, remedy or right arises in equity or under contract, statute or common law, including, without limitation, the right to take or receive from such Borrower, directly or indirectly, in cash or other property or by <FONT
STYLE="white-space:nowrap">set-off</FONT> or in any other manner, payment or security on account of such claim, remedy or right. If any amount shall be paid to Altria in violation of the preceding sentence at any time prior to the later of the cash
payment in full of the Obligations and all other amounts payable under this Guaranty and the Termination Date, such amount shall be held in trust for the benefit of JPMCB, as Administrative Agent, and the Lenders and shall forthwith be paid to
JPMCB, as Administrative Agent, to be credited and applied to the Obligations and all other amounts payable under this Guaranty, whether matured or unmatured, in accordance with the terms of this Agreement and this Guaranty, or to be held as
collateral for any Obligations or other amounts payable under this Guaranty thereafter arising. Altria acknowledges that it will receive direct and indirect benefits from the financing arrangements contemplated by this Agreement and this Guaranty
and that the waiver set forth in this Section&nbsp;8.03(b) is knowingly made in contemplation of such benefits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.04&nbsp;&nbsp;&nbsp;&nbsp;<U>Continuing Guaranty</U>. This Guaranty is a continuing guaranty and shall (a)&nbsp;remain in full
force and effect until payment in full (after the Termination Date) of the Obligations and all other amounts payable under this Guaranty, (b)&nbsp;be binding upon Altria, its </P>
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successors and assigns, and (c)&nbsp;inure to the benefit of and be enforceable by the Lenders, JPMCB, as Administrative Agent, and their respective successors, transferees and assigns. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE IX </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">MISCELLANEOUS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.01&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendments, Etc.</U> No amendment or waiver of any provision of this Agreement, nor consent to any
departure by any Borrower or Altria therefrom, shall in any event be effective unless the same shall be in writing and signed by the Required Lenders, and then such waiver or consent shall be effective only in the specific instance and for the
specific purpose for which given; <U>provided</U>, <U>however</U>, that no amendment, waiver or consent shall, unless in writing and signed by all the Lenders affected thereby, do any of the following: (a)&nbsp;waive any of the conditions specified
in Sections 3.01 and 3.02, (b) increase the Commitments of the Lenders or subject the Lenders to any additional obligations, (c)&nbsp;reduce the principal of, or interest on, the Pro Rata Advances or any fees or other amounts payable hereunder,
(d)&nbsp;postpone any date fixed for any payment of principal of, or interest on, the Pro Rata Advances or any fees or other amounts payable hereunder, (e)&nbsp;change the percentage of the Commitments or of the aggregate unpaid principal amount of
the Pro Rata Advances, or the number of Lenders, that shall be required for the Lenders or any of them to take any action hereunder, (f)&nbsp;release Altria from any of its obligations under Article VIII or (g)&nbsp;amend this Section&nbsp;9.01;
<U>provided</U> <U>further</U> that no waiver of the conditions specified in Section&nbsp;3.04 in connection with any Competitive Bid Borrowing shall be effective unless consented to by all Lenders making Competitive Bid Advances as part of such
Competitive Bid Borrowing; <U>provided</U> <U>further</U> that no amendment, waiver or consent shall, unless in writing and signed by JPMCB, as Administrative Agent, in addition to the Lenders required above to take such action, affect the rights or
duties of JPMCB, as Administrative Agent, under this Agreement or any Pro Rata Advance. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.02&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices, Etc.</U> (a)<U>&nbsp;Addresses</U>. Unless otherwise specified herein, all notices and
other communications provided for hereunder shall be in writing (including electronic communication) and mailed, telecopied, or delivered, as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">if to Altria: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Altria Group,
Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[*****] </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[*****] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: [*****] </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax number:
[*****]; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">with a copy to: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Altria Client Services LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[*****] </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[*****] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: [*****] </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax number:
[*****]; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">if to Altria, as guarantor: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Altria Group, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[*****] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">[*****] </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: [*****] </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax number: [*****] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">if to any
Initial Lender, at its Domestic Lending Office specified opposite its name on Schedule I hereto; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">if to any other Lender, at its Domestic
Lending Office specified in the Assignment and Acceptance pursuant to which it became a Lender; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">if to JPMCB, as Administrative Agent:
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">c/o JPMorgan Chase Bank, N.A. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">383 Madison Avenue, 24th Floor </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">New York, New York 10179 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Tony Yung </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax number:
(212) <FONT STYLE="white-space:nowrap">270-6637;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">with a copy to: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">JPMorgan Chase Bank, N.A. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Loan
and Agency </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">500 Stanton Christiana Road, NCC5/Floor 1 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Newark, DE 19713 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention:
Michelle Keesee </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Fax number: (302) <FONT STYLE="white-space:nowrap">634-4733;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">as to any Borrower, Altria or JPMCB, as Administrative Agent, at such other address as shall be designated by such party in a written notice to the other
parties and, as to each other party, at such other address as shall be designated by such party in a written notice to Altria and JPMCB, as Administrative Agent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Effectiveness of Notices</U>. All such notices and communications shall, when mailed or telecopied, be effective
when deposited in the mail or telecopied, respectively, except that notices and communications to JPMCB, as Administrative Agent, pursuant to Article II, III or VII shall not be effective until received by JPMCB, as Administrative Agent. Delivery by
<FONT STYLE="white-space:nowrap">e-mail</FONT> of an executed counterpart of any amendment or waiver of any provision of this Agreement or of any Exhibit hereto to be executed and delivered hereunder shall be effective as delivery of a manually
executed counterpart thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.03&nbsp;&nbsp;&nbsp;&nbsp;<U>No Waiver; Remedies</U>. No failure on the part of any Lender
or JPMCB, as Administrative Agent, to exercise, and no delay in exercising, any right hereunder or under any Note shall operate as a waiver thereof; nor shall any single or partial exercise of any </P>
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such right preclude any other or further exercise thereof or the exercise of any other right. The remedies herein provided are cumulative and not exclusive of any remedies provided by law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.04&nbsp;&nbsp;&nbsp;&nbsp;<U>Costs and Expenses</U>. (a)<U>&nbsp;Administrative Agent; Enforcement</U>. Altria agrees to pay on
demand all reasonable costs and expenses in connection with the preparation, execution, delivery, administration (excluding any cost or expenses for administration related to the overhead of JPMCB, as Administrative Agent), modification and
amendment of this Agreement and the documents to be delivered hereunder, including, without limitation, the reasonable fees and <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses of counsel for
JPMCB, as Administrative Agent, with respect thereto and with respect to advising JPMCB, as Administrative Agent, as to its rights and responsibilities under this Agreement, and all costs and expenses of the Lenders and JPMCB, as Administrative
Agent, if any (including, without limitation, reasonable counsel fees and expenses of the Lenders and JPMCB, as Administrative Agent), in connection with the enforcement (whether through negotiations, legal proceedings or otherwise) of this
Agreement and the other documents to be delivered hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Prepayment of </U><B><FONT
STYLE="font-family:Times New Roman" COLOR="#ff0000"><strike><u>LIBO Rate</u></strike></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B><U> Advances
or Floating Rate Bid Advances</U>. If any payment of principal of any <B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>LIBO Rate</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><FONT
STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt">Term SOFR</U></FONT></B> Advance or Floating Rate Bid Advance is made other than on the last day of the Interest Period for such Advance or
at its maturity, as a result of a payment pursuant to Section&nbsp;2.11, acceleration of the maturity of the Advances pursuant to Section&nbsp;6.02, an assignment made as a result of a demand by Altria pursuant to Section&nbsp;9.07(a) or for any
other reason, Altria shall, upon demand by any Lender (with a copy of such demand to JPMCB, as Administrative Agent), pay to JPMCB, as Administrative Agent, for the account of such Lender any amounts required to compensate such Lender for any
additional losses, costs or expenses which it may reasonably incur as a result of such payment, including, without limitation, any loss (excluding loss of anticipated profits), cost or expense incurred by reason of the liquidation or reemployment of
deposits or other funds acquired by any Lender to fund or maintain such Advance. Without prejudice to the survival of any other agreement of any Borrower hereunder, the agreements and obligations of each Borrower contained in Sections 2.02(c),
<B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>2.05</STRIKE></FONT><U></U></B><FONT STYLE="font-family:Times New Roman"><B><U></U><FONT STYLE="font-family:Times New Roman" COLOR="#ff0000"><STRIKE>,</STRIKE></FONT><U></U></B>
<FONT STYLE="font-family:Times New Roman"><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B>&nbsp;2.12,
<B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></FONT></B><B><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U>
</FONT></B></FONT><FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><B><U STYLE="border-bottom:1pt double; padding-bottom:1pt"></U></B></FONT><FONT STYLE="font-family:Times New Roman">2.15 and this Section&nbsp;9.04(b) shall survive the
payment in full of principal and interest hereunder. </FONT></FONT></FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification</U>. Each
Borrower and Altria jointly and severally agree to indemnify and hold harmless the Administrative Agents and each Lender and each of their respective affiliates, control persons, directors, officers, employees, attorneys and agents (each, an
&#147;Indemnified Party&#148;) from and against any and all claims, damages, losses, liabilities and expenses (including, without limitation, reasonable fees and disbursements of counsel) which may be incurred by or asserted against any Indemnified
Party, in each case in connection with or arising out of, or in connection with the preparation for or defense of, any investigation, litigation, or proceeding (i)&nbsp;related to any transaction or proposed transaction (whether or not consummated)
in which any proceeds of any Borrowing are applied or are proposed to be applied, directly or indirectly, by any Borrower, whether or not such Indemnified Party is a party to such transaction or (ii)&nbsp;related to any Borrower&#146;s or
Altria&#146;s entering into this Agreement or the credit facility established hereby, or to any actions or omissions of any Borrower or Altria or any of its or their respective officers, directors, employees or agents in connection therewith, in
each case whether or not an Indemnified Party is a party thereto and whether or not such investigation, litigation or proceeding is brought by Altria or any Borrower or any other Person; </P>
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<U>provided</U>, <U>however</U>, that neither any Borrower nor Altria shall be required to indemnify any such Indemnified Party from or against any portion of such claims, damages, losses,
liabilities or expenses that is found in a final, <FONT STYLE="white-space:nowrap">non-appealable</FONT> judgment by a court of competent jurisdiction to have resulted from the gross negligence or willful misconduct of such Indemnified Party. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.05&nbsp;&nbsp;&nbsp;&nbsp;<U>Right of <FONT STYLE="white-space:nowrap">Set-Off</FONT></U>. Upon (i)&nbsp;the occurrence and
during the continuance of any Event of Default and (ii)&nbsp;the making of the request or the granting of the consent specified by Section&nbsp;6.02 to authorize JPMCB, as Administrative Agent, to declare the Advances due and payable pursuant to the
provisions of Section&nbsp;6.02, each Lender is hereby authorized at any time and from time to time, to the fullest extent permitted by law, to set off and apply any and all deposits (general or special, time or demand, provisional or final) at any
time held and other indebtedness at any time owing by such Lender to or for the credit or the account of Altria or any Borrower against any and all of the obligations of any Borrower or Altria now or hereafter existing under this Agreement, whether
or not such Lender shall have made any demand under this Agreement and although such obligations may be unmatured. Each Lender shall promptly notify the appropriate Borrower or Altria, as the case may be, after any such <FONT
STYLE="white-space:nowrap">set-off</FONT> and application, provided that the failure to give such notice shall not affect the validity of such <FONT STYLE="white-space:nowrap">set-off</FONT> and application. The rights of each Lender and its
affiliates under this Section&nbsp;9.05 are in addition to other rights and remedies (including, without limitation, other rights of <FONT STYLE="white-space:nowrap">set-off)</FONT> that such Lender and its affiliates may have. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.06&nbsp;&nbsp;&nbsp;&nbsp;<U>Binding Effect</U>. This Agreement shall be binding upon and inure to the benefit of Altria,
JPMCB, as Administrative Agent, Citibank, as Administrative Agent, and each Lender and their respective successors and assigns, except that neither any Borrower nor Altria shall have the right to assign its rights hereunder or any interest herein
without the prior written consent of the Lenders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.07&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignments and Participations</U>.
(a)<U>&nbsp;Assignment of Lender Obligations</U>. Each Lender may and, if demanded by Altria upon at least five Business Days&#146; notice (or, in the case of a Defaulting Lender, at least three Business Days&#146; notice) to such Lender and JPMCB,
as Administrative Agent, will assign to one or more Persons all or a portion of its rights and obligations under this Agreement (including, without limitation, all or a portion of its Commitment and the Pro Rata Advances owing to it), <U>subject</U>
to the following: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;each such assignment shall be of a constant, and not a varying, percentage
of all rights and obligations under this Agreement (other than, except in the case of an assignment made as a result of a demand by Altria pursuant to this Section&nbsp;9.07(a), any Competitive Bid Advances owing to such Lender or any Competitive
Bid Notes held by it); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;the amount of the Commitment of the assigning Lender being assigned
pursuant to each such assignment (determined as of the date of the Assignment and Acceptance with respect to such assignment) shall in no event be less than $10,000,000 (subject to reduction at the sole discretion of Altria) and shall be an integral
multiple of $1,000,000; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;each such assignment shall be to an Eligible Assignee; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;each such assignment made as a result of a
demand by Altria pursuant to this Section&nbsp;9.07(a) shall be arranged by Altria after consultation with JPMCB, as Administrative Agent, and shall be either an assignment of all of the rights and obligations of the assigning Lender under this
Agreement or an assignment of a portion of such rights and obligations made concurrently with another such assignment or other such assignments which together cover all of the rights and obligations of the assigning Lender under this Agreement; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;no Lender shall be obligated to make any such assignment as a result of a demand by Altria pursuant
to this Section&nbsp;9.07(a) unless and until such Lender shall have received one or more payments from either the Borrowers to which it has outstanding Advances or one or more Eligible Assignees in an aggregate amount at least equal to the
aggregate outstanding principal amount of the Advances owing to such Lender, together with accrued interest thereon to the date of payment of such principal amount and all other amounts payable to such Lender under this Agreement; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;the parties to each such assignment shall execute and deliver to JPMCB, as Administrative Agent,
for its acceptance and recording in the Register, an Assignment and Acceptance, together with a processing and recordation fee of $3,500 payable by the assigning Lender, <U>provided</U> that, if such assignment is made as a result of a demand by
Altria under this Section&nbsp;9.07(a) Altria shall pay or cause to be paid such $3,500 fee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Upon such execution, delivery, acceptance and recording,
from and after the effective date specified in each Assignment and Acceptance, (x)&nbsp;the assignee thereunder shall be a party hereto and, to the extent that rights and obligations hereunder have been assigned to it pursuant to such Assignment and
Acceptance, have the rights and obligations of a Lender hereunder and (y)&nbsp;the assigning Lender thereunder shall, to the extent that rights and obligations hereunder have been assigned by it pursuant to such Assignment and Acceptance, relinquish
its rights (other than those provided under Section&nbsp;9.04) and be released from its obligations under this Agreement (and, in the case of an Assignment and Acceptance covering all or the remaining portion of an assigning Lender&#146;s rights and
obligations under this Agreement, such Lender shall cease to be a party hereto), other than Section&nbsp;9.12. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment and Acceptance</U>. By executing and delivering an Assignment and Acceptance, the assigning Lender
thereunder and the assignee thereunder confirm to and agree with each other and the other parties hereto as follows: (i)&nbsp;other than as provided in such Assignment and Acceptance, such assigning Lender makes no representation or warranty and
assumes no responsibility with respect to any statements, warranties or representations made in or in connection with this Agreement or the execution, legality, validity, enforceability, genuineness, sufficiency or value of this Agreement or any
other instrument or document furnished pursuant hereto; (ii)&nbsp;such assigning Lender makes no representation or warranty and assumes no responsibility with respect to the financial condition of any Borrower or Altria or the performance or
observance by any Borrower or Altria of any of its obligations under this Agreement or any other instrument or document furnished pursuant hereto; (iii)&nbsp;such assignee confirms that it has received a copy of this Agreement, together with copies
of the financial statements referred to in Section&nbsp;4.01 and such other documents and information as it has deemed appropriate to make its own credit analysis and decision to enter into such Assignment
</P>
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and Acceptance; (iv)&nbsp;such assignee will, independently and without reliance upon JPMCB, as Administrative Agent, such assigning Lender or any other Lender and based on such documents and
information as it shall deem appropriate at the time, continue to make its own credit decisions in taking or not taking action under this Agreement; (v)&nbsp;such assignee confirms that it is an Eligible Assignee; (vi)&nbsp;such assignee represents
that (A)&nbsp;the source of any funds it is using to acquire the assigning Lender&#146;s interest or to make any Advance is not and will not be plan assets as defined under the Department of Labor Plan Asset Regulations (Section <FONT
STYLE="white-space:nowrap">2510.3-101</FONT> of Part 2510 of Chapter XXV, Title 29 of the Code of Federal Regulations, as amended by Section&nbsp;3(42) of ERISA and as may be further amended) or (B)&nbsp;the assignment or Advance is not and will not
be a <FONT STYLE="white-space:nowrap">non-exempt</FONT> prohibited transaction as defined in Section&nbsp;406 of ERISA or Section&nbsp;4975(c) of the Internal Revenue Code; (vii)&nbsp;such assignee appoints and authorizes JPMCB, as Administrative
Agent, to take such action as agent on its behalf and to exercise such powers and discretion under this Agreement as are delegated to JPMCB, as Administrative Agent, by the terms hereof, together with such powers and discretion as are reasonably
incidental thereto; and (viii)&nbsp;such assignee agrees that it will perform in accordance with their terms all of the obligations that by the terms of this Agreement are required to be performed by it as a Lender. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Agent&#146;s Acceptance</U>. Upon its receipt of an Assignment and Acceptance executed by an assigning Lender
and an assignee representing that it is an Eligible Assignee, together with any Pro Rata Note or Notes subject to such assignment, JPMCB, as Administrative Agent, shall, if such Assignment and Acceptance has been completed and is in substantially
the form of Exhibit C hereto, (i)&nbsp;accept such Assignment and Acceptance, (ii)&nbsp;record the information contained therein in the Register and (iii)&nbsp;give prompt notice thereof to Altria. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>Register</U>. JPMCB, as Administrative Agent, shall maintain at its address referred to in Section&nbsp;9.02 a
copy of each Assignment and Acceptance delivered to and accepted by it and a register for the recordation of the names and addresses of the Lenders and the Commitment of, and principal amount of the Advances owing to, each Lender from time to time
(the &#147;<U>Register</U>&#148;). The entries in the Register shall be conclusive and binding for all purposes, absent manifest error, and Altria, the Borrowers, JPMCB, as Administrative Agent, and the Lenders may treat each Person whose name is
recorded in the Register as a Lender hereunder for all purposes of this Agreement. The Register shall be available for inspection by Altria, any Borrower or any Lender at any reasonable time and from time to time upon reasonable prior notice. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<U>Sale of Participation</U>. Each Lender may sell participations to one or more banks or other entities in or to
all or a portion of its rights and obligations under this Agreement (including, without limitation, all or a portion of its Commitment, the Advances owing to it and any Note or Notes held by it), subject to the following: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;such Lender&#146;s obligations under this Agreement (including, without limitation, its Commitment
to Altria hereunder) shall remain unchanged, </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;such Lender shall remain solely responsible to
the other parties hereto for the performance of such obligations, </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;Altria, the other Borrowers, JPMCB, as
Administrative Agent, and the other Lenders shall continue to deal solely and directly with such Lender in connection with such Lender&#146;s rights and obligations under this Agreement, and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;no participant under any such participation shall have any right to approve any amendment or
waiver of any provision of this Agreement, or any consent to any departure by any Borrower or Altria therefrom, except to the extent that such amendment, waiver or consent would reduce the principal of, or interest on, the Advances or any fees or
other amounts payable hereunder, in each case to the extent subject to such participation, or postpone any date fixed for any payment of principal of, or interest on, the Advances or any fees or other amounts payable hereunder, in each case to the
extent subject to such participation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Each Lender that sells a participation shall maintain a register on which it enters the name and address of each
participant and the principal amounts (and stated interest) of each participant&#146;s interest in the Advances or other obligations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<U>Disclosure of Information</U>. Any Lender may, in connection with any assignment or participation or proposed
assignment or participation pursuant to this Section&nbsp;9.07, disclose to the assignee or participant or proposed assignee or participant, any information relating to Altria or any Borrower furnished to such Lender by or on behalf of Altria or any
Borrower; <U>provided</U> that, prior to any such disclosure, the assignee or participant or proposed assignee or participant shall agree to preserve the confidentiality of any confidential information relating to Altria received by it from such
Lender by signing a confidentiality agreement substantially in the form attached hereto as Exhibit J or with terms no less restrictive than the provisions of Exhibit J. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulation A Security Interest</U>. Notwithstanding any other provision set forth in this Agreement, any Lender
may at any time create a security interest in all or any portion of its rights under this Agreement (including, without limitation, the Advances owing to it and any Note or Notes held by it) in favor of any Federal Reserve Bank in accordance with
Regulation A. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.08&nbsp;&nbsp;&nbsp;&nbsp;<U>Designated Subsidiaries</U>. (a)&nbsp;Designation. Altria may at any time, and
from time to time, by delivery to JPMCB, as Administrative Agent, of a Designation Agreement duly executed by Altria and the respective Subsidiary and substantially in the form of Exhibit D hereto, designate such Subsidiary as a &#147;Designated
Subsidiary&#148; for purposes of this Agreement and such Subsidiary shall thereupon become a &#147;Designated Subsidiary&#148; for purposes of this Agreement and, as such, shall have all of the rights and obligations of a Borrower hereunder. JPMCB,
as Administrative Agent, shall promptly notify each Lender of each such designation by Altria and the identity of the respective Subsidiary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>. Upon the payment and performance in full of all of the indebtedness, liabilities and
obligations under this Agreement of any Designated Subsidiary then, so long as at the time no Notice of Pro Rata Borrowing or Notice of Competitive Bid Borrowing in respect of such Designated Subsidiary is outstanding, such Subsidiary&#146;s status
as a &#147;Designated Subsidiary&#148; shall terminate upon notice to such effect from JPMCB, as </P>
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Administrative Agent, to the Lenders (which notice JPMCB, as Administrative Agent, shall give promptly, and only upon its receipt of a request therefor from Altria). Thereafter, the Lenders shall
be under no further obligation to make any Advance hereunder to such former Designated Subsidiary until such time as it has been redesignated a Designated Subsidiary by Altria pursuant to Section&nbsp;9.08(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.09&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law</U>. This Agreement and the Notes shall be governed by, and construed in accordance
with, the laws of the State of New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.10&nbsp;&nbsp;&nbsp;&nbsp;<U>Execution in Counterparts</U>. This Agreement may be
executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute one and the same agreement. Delivery
of an executed counterpart of a signature page to this Agreement, any other Loan Document and/or any document, amendment, approval, consent, information, notice (including for the avoidance of doubt, any notice delivered pursuant to
Section&nbsp;9.02), certificate, request, statement, disclosure or authorization related to this Agreement, any other Loan Document and/or the transactions contemplated hereby and/or thereby (each an &#147;<U>Ancillary Document</U>&#148;) that is an
Electronic Signature transmitted by telecopier, <FONT STYLE="white-space:nowrap">e-mail</FONT> or any other electronic means that reproduces an image of an actual executed signature page shall be effective as delivery of a manually executed
counterpart of this Agreement, such other Loan Document or such Ancillary Document, as applicable. The words &#147;execution,&#148; &#147;signed,&#148; &#147;signature,&#148; &#147;delivery,&#148; and words of like import in or relating to this
Agreement, any other Loan Document and/or any Ancillary Document shall be deemed to include Electronic Signatures, deliveries or the keeping of records in any electronic form (including deliveries by telecopy,
<FONT STYLE="white-space:nowrap">e-mailed</FONT> pdf, or any other electronic means that reproduces an image of an actual executed signature page), each of which shall be of the same legal effect, validity or enforceability as a manually executed
signature, physical delivery thereof or the use of a paper-based recordkeeping system, as the case may be; <U>provided</U> that nothing herein shall require JPMCB, as Administrative Agent, to accept Electronic Signatures in any form or format
without its prior written consent and pursuant to procedures approved by it; <U>provided</U>, <U>further</U>, that without limiting the foregoing, (i)&nbsp;to the extent JPMCB, as Administrative Agent, has agreed to accept any Electronic Signature,
JPMCB, as Administrative Agent, and each of the Lenders shall be entitled to rely on such Electronic Signature purportedly given by or on behalf of any Borrower without further verification thereof and without any obligation to review the appearance
or form of any such Electronic Signature and (ii)&nbsp;upon the request of JPMCB, as Administrative Agent, or any Lender, any Electronic Signature shall be promptly followed by a manually executed counterpart. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.11&nbsp;&nbsp;&nbsp;&nbsp;<U>Jurisdiction, Etc.</U> (a)<U>&nbsp;Submission to Jurisdiction; Service of Process</U>. Each of the
parties hereto hereby irrevocably and unconditionally submits, for itself and its property, to the nonexclusive jurisdiction of any New York state court or Federal court of the United States of America sitting in New York City, and any appellate
court from any thereof, in any action or proceeding arising out of or relating to this Agreement, or for recognition or enforcement of any judgment, and each of the parties hereto hereby irrevocably and unconditionally agrees that all claims in
respect of any such action or proceeding may be heard and determined in any such New York state court or, to the extent permitted by law, in such Federal court. Each Borrower irrevocably consents to the service of process in any action or
</P>
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proceeding in such courts by the mailing thereof by any parties hereto by registered or certified mail, postage prepaid, to such Borrower at its address specified pursuant to Section&nbsp;9.02.
Each of the parties hereto agrees that a final judgment in any such action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner provided by law. Nothing in this Agreement shall
affect any right that any party may otherwise have to serve legal process in any other manner permitted by law or to bring any action or proceeding relating to this Agreement or the Notes in the courts of any jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Waivers</U>. Each of the parties hereto irrevocably and unconditionally waives, to the fullest extent it may
legally and effectively do so, any objection that it may now or hereafter have to the laying of venue of any suit, action or proceeding arising out of or relating to this Agreement or the Notes in any New York state or Federal court. Each of the
parties hereto hereby irrevocably waives, to the fullest extent permitted by law, the defense of an inconvenient forum to the maintenance of such action or proceeding in any such court. Each of the parties hereto hereby irrevocably waives, to the
fullest extent permitted by law, trial by jury in any legal action or proceeding relating to this Agreement or any other related documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.12&nbsp;&nbsp;&nbsp;&nbsp;<U>Confidentiality</U>. None of the Administrative Agents nor any Lender shall disclose any
confidential Information (as defined below) relating to Altria or any Borrower to any other Person without the consent of Altria, other than (a)&nbsp;to such Administrative Agent&#146;s or such Lender&#146;s affiliates and their officers, directors,
employees, agents and advisors and, as contemplated by Section&nbsp;9.07(f), to actual or prospective assignees and participants, and then, in each such case, only on a confidential basis and only to such Persons who need to know such information
for the purpose of evaluating, administering or monitoring this Agreement or the credit facility established hereby; <U>provided</U>, <U>however</U>, that such actual or prospective assignee or participant shall have been made aware of this
Section&nbsp;9.12 and shall have agreed to be bound by its provisions as if it were a party to this Agreement, (b)&nbsp;as required by any law, rule or regulation or judicial process, (c)&nbsp;as requested or required by any state, federal or
foreign authority or examiner regulating banks or banking or other financial institutions, (d)&nbsp;to the extent such Information (i)&nbsp;becomes publicly available other than as a result of a breach of this Section&nbsp;9.12 or (ii)&nbsp;becomes
available to any Administrative Agent or any Lender on a <FONT STYLE="white-space:nowrap">non-confidential</FONT> basis from a source other than any Borrower, which source, to the best of such Administrative Agent&#146;s or such Lender&#146;s
knowledge, is not prohibited from disclosing such Information by a contractual, legal or fiduciary obligation to any Borrower or (e)(i) if necessary in connection with the exercise of any remedies hereunder or any suit, action or proceeding relating
to this Agreement, (ii)&nbsp;such disclosure is made in a complaint or other document filed in a lawsuit or other proceeding and (iii)&nbsp;such filing is made under seal, if the court permits such filing under seal. Altria agrees that (x)&nbsp;no
confidentiality undertaking previously entered into by any Administrative Agent or Lender or any of its affiliates shall prohibit any disclosure expressly permitted to be made by, and in accordance with, Section&nbsp;9.07(f) and this
Section&nbsp;9.12 and (y)&nbsp;the Administrative Agents and the Lenders may disclose the existence of this Agreement and public information about this Agreement to market data collectors, similar service providers to the lending industry and
service providers to the Administrative Agents or any Lender in connection with the administration of this Agreement, the other documents to be delivered hereunder and the Commitments. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">73 </P>

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<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For the purposes of this Section&nbsp;9.12, &#147;Information&#148; means all information regardless of
form, whether oral, written or electronic, received from any Borrower relating to any Borrower or its business, together with analyses, compilations or other materials prepared by an Administrative Agent, a Lender or their respective representatives
which contain or otherwise reflect such information, other than any such information that is available to the Administrative Agents or any Lender on a <FONT STYLE="white-space:nowrap">non-confidential</FONT> basis prior to disclosure by any
Borrower; <U>provided</U> that, in the case of information received from any Borrower after the date hereof, such information is identified as confidential. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.13&nbsp;&nbsp;&nbsp;&nbsp;<U>Integration</U>. This Agreement and the Notes represent the agreement of Altria, the other
Borrowers, the Administrative Agents and the Lenders with respect to the subject matter hereof, and there are no promises, undertakings, representations or warranties by the Administrative Agents, Altria, the other Borrowers or any Lender relative
to the subject matter hereof not expressly set forth or referred to herein or in the Notes other than the matters referred to in Sections 2.09(b) and 9.04(a) and except for confidentiality agreements entered into by each Lender in connection with
this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.14&nbsp;&nbsp;&nbsp;&nbsp;<U>USA Patriot Act Notice</U>. Each Administrative Agent and each Lender hereby
notifies the Borrowers that pursuant to the requirements of the USA Patriot Act (Title III of Pub. L. <FONT STYLE="white-space:nowrap">107-56</FONT> (signed into law October&nbsp;26, 2001)) (the &#147;<U>Patriot Act</U>&#148;), it is required to
obtain, verify and record information that identifies the Borrowers, which information includes the name and address of each Borrower and other information that will allow such Lender to identify such Borrower in accordance with the Patriot Act.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.15&nbsp;&nbsp;&nbsp;&nbsp;<U>No Fiduciary Duty</U>. Each Administrative Agent, each Lender and their affiliates
(collectively, solely for purposes of this paragraph, the &#147;Lenders&#148;), may have economic interests that conflict with those of Altria. Altria agrees that nothing in this Agreement will be deemed to create an advisory, fiduciary or agency
relationship or fiduciary or other implied duty between the Lenders and Altria, its stockholders or its affiliates. Altria further acknowledges and agrees that it is responsible for making its own independent judgment with respect to this Agreement
and the process leading thereto. Altria agrees that it will not claim that any Lender has rendered advisory services of any nature or respect, or owes a fiduciary or similar duty to Altria, in connection with this Agreement or the process leading
thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.16&nbsp;&nbsp;&nbsp;&nbsp;<U>Acknowledgement and Consent to <FONT STYLE="white-space:nowrap">Bail-In</FONT> of
EEA Financial Institutions</U>. Notwithstanding anything to the contrary in this Agreement or any other instrument or document furnished pursuant hereto or in any other agreement, arrangement or understanding among any such parties, each party
hereto acknowledges that any liability of any EEA Financial Institution arising under this Agreement or any other instrument or document furnished pursuant hereto may be subject to the Write-Down and Conversion Powers of an EEA Resolution Authority
and agrees and consents to, and acknowledges and agrees to be bound by: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;the application of any Write-Down and
Conversion Powers by an EEA Resolution Authority to any such liabilities arising hereunder that may be payable to it by any party hereto that is an EEA Financial Institution; and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">74 </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;the effects of any
<FONT STYLE="white-space:nowrap">Bail-In</FONT> Action on any such liability, including, if applicable: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;a reduction in full or in part or cancellation of any such liability; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;a conversion of all, or a portion of, such liability into shares or other instruments of ownership
in such EEA Financial Institution, its parent entity, or a bridge institution that may be issued to it or otherwise conferred on it, and that such shares or other instruments of ownership will be accepted by it in lieu of any rights with respect to
any such liability under this Agreement or any other instrument or document furnished pursuant hereto; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:5%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;the variation of the terms of such liability in connection with the exercise of the Write-Down
and Conversion Powers of any EEA Resolution Authority. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature pages omitted.] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">75 </P>

</DIV></Center>

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<TYPE>EX-101.SCH
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<FILENAME>mo-20220817.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20220115.12 -->
<!-- Creation date: 8/17/2022 11:25:29 PM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2021-01-31"
  xmlns:mo="http://www.altria.com/20220817"
  xmlns:dei="http://xbrl.sec.gov/dei/2021"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.altria.com/20220817"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2021/dei-2021.xsd" namespace="http://xbrl.sec.gov/dei/2021" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2021/naics-2021.xsd" namespace="http://xbrl.sec.gov/naics/2021" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd" namespace="http://fasb.org/us-gaap/2021-01-31" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd" namespace="http://fasb.org/us-types/2021-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="mo-20220817_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="mo-20220817_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="mo-20220817_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
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        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="mo_DocumentAndEntityInformationTable" name="DocumentAndEntityInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="mo_DocumentAndEntityInformationLineItems" name="DocumentAndEntityInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="mo_CommonStock0.3313ParValueMember" name="CommonStock0.3313ParValueMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="mo_CommonStock1.000NotesDue2023Member" name="CommonStock1.000NotesDue2023Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="mo_CommonStock1.700NotesDue2025Member" name="CommonStock1.700NotesDue2025Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="mo_CommonStock2.200NotesDue2027Member" name="CommonStock2.200NotesDue2027Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="mo_CommonStock3.125NotesDue2031Member" name="CommonStock3.125NotesDue2031Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
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<TYPE>EX-101.DEF
<SEQUENCE>4
<FILENAME>mo-20220817_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20220115.12 -->
<!-- Creation date: 8/17/2022 11:25:32 PM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:roleRef roleURI="http://www.altria.com//20220817/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="mo-20220817.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.altria.com//20220817/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="mo-20220817.xsd#mo_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="mo_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="mo-20220817.xsd#mo_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="mo_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="mo-20220817.xsd#mo_CommonStock0.3313ParValueMember" xlink:type="locator" xlink:label="mo_CommonStock0.3313ParValueMember" />
    <link:loc xlink:href="mo-20220817.xsd#mo_CommonStock1.000NotesDue2023Member" xlink:type="locator" xlink:label="mo_CommonStock1.000NotesDue2023Member" />
    <link:loc xlink:href="mo-20220817.xsd#mo_CommonStock1.700NotesDue2025Member" xlink:type="locator" xlink:label="mo_CommonStock1.700NotesDue2025Member" />
    <link:loc xlink:href="mo-20220817.xsd#mo_CommonStock2.200NotesDue2027Member" xlink:type="locator" xlink:label="mo_CommonStock2.200NotesDue2027Member" />
    <link:loc xlink:href="mo-20220817.xsd#mo_CommonStock3.125NotesDue2031Member" xlink:type="locator" xlink:label="mo_CommonStock3.125NotesDue2031Member" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="mo_DocumentAndEntityInformationTable" order="1" priority="2" use="optional" xbrldt:contextElement="segment" xbrldt:closed="true" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="mo_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain_2" order="23.0001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="mo_CommonStock0.3313ParValueMember" order="24" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="mo_CommonStock1.000NotesDue2023Member" order="25" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="mo_CommonStock1.700NotesDue2025Member" order="26" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="mo_CommonStock2.200NotesDue2027Member" order="27" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="mo_CommonStock3.125NotesDue2031Member" order="28" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="30.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="31.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="34.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="35.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="36.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="37.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="38.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="39.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="40.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="41.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="42.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="43.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="44.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="45.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="46.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="47.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="48.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="49.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="50.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="51.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="52.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="53.001" priority="2" use="optional" />
  </link:definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>mo-20220817_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20220115.12 -->
<!-- Creation date: 8/17/2022 11:25:29 PM Eastern Time -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
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    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
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    <link:label xml:lang="en-US" xlink:label="mo_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Table]</link:label>
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</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>mo-20220817_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
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    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="48.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="49.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="50.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="51.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="52.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="mo_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="53.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.22.2.2</span><table class="report" border="0" cellspacing="2" id="idm140589608558832">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Aug. 17, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_mo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000764180<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Aug. 17,  2022<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">ALTRIA GROUP, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">VA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-08940<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">13-3260245<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">6601 West Broad Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Richmond<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">VA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">23230<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(804)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">274-2200<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=mo_CommonStock0.3313ParValueMember', window );">Common Stock 0.3313 Par Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_mo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, $0.33 1/3 par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MO<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=mo_CommonStock1.000NotesDue2023Member', window );">Common Stock 1.000 Notes Due 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_mo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">1.000% Notes due 2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MO23A<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=mo_CommonStock1.700NotesDue2025Member', window );">Common Stock 1.700 Notes Due 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_mo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">1.700% Notes due 2025<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MO25<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=mo_CommonStock2.200NotesDue2027Member', window );">Common Stock 2.200 Notes Due 2027 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_mo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">2.200% Notes due 2027<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MO27<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=mo_CommonStock3.125NotesDue2031Member', window );">Common Stock 3.125 Notes Due 2031 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_mo_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">3.125% Notes due 2031<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MO31<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
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   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
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<FILENAME>0001193125-22-223264-xbrl.zip
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
