<SEC-DOCUMENT>0001021561-15-000044.txt : 20150519
<SEC-HEADER>0001021561-15-000044.hdr.sgml : 20150519
<ACCEPTANCE-DATETIME>20150519162504
ACCESSION NUMBER:		0001021561-15-000044
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20150514
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20150519
DATE AS OF CHANGE:		20150519

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NU SKIN ENTERPRISES INC
		CENTRAL INDEX KEY:			0001021561
		STANDARD INDUSTRIAL CLASSIFICATION:	WHOLESALE-DRUGS PROPRIETARIES & DRUGGISTS' SUNDRIES [5122]
		IRS NUMBER:				870565309
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12421
		FILM NUMBER:		15876784

	BUSINESS ADDRESS:	
		STREET 1:		75 WEST CENTER ST
		STREET 2:		ATTN: CLAYTON JONES
		CITY:			PROVO
		STATE:			UT
		ZIP:			84601
		BUSINESS PHONE:		801-345-1000

	MAIL ADDRESS:	
		STREET 1:		75 WEST CENTER ST
		STREET 2:		ATTN: CLAYTON JONES
		CITY:			PROVO
		STATE:			UT
		ZIP:			84601

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NU SKIN ASIA PACIFIC INC
		DATE OF NAME CHANGE:	19960919
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">UNITED STATES</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">SECURITIES AND EXCHANGE COMMISSION</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Washington, D.C. 20549</div>

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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">FORM 8-K</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">CURRENT REPORT</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">May 14, 2015</div>
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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">NU SKIN ENTERPRISES, INC.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(Exact name of registrant as specified in its charter)</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Delaware</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">001-12421</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">87-0565309</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(State or other jurisdiction of incorporation)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">75 West Center Street</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Provo, Utah 84601</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(Address of principal executive offices and zip code)</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">(801) 345-1000</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">N/A</div>
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<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</div>

<div style="MARGIN-BOTTOM: 12pt; TEXT-ALIGN: left"><font style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9633;<font style="FONT-SIZE: 1px; LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div>

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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Item 1.01. <font style="FONT-SIZE: 1px; LETTER-SPACING: 9pt">&#160;&#160;</font>Entry into a Material Definitive Agreement.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">On May 14, 2015, Nu Skin Enterprises, Inc. (the "Company"), Bank of America, N.A., HSBC Bank USA, N.A., Royal Bank of Canada, Fifth Third Bank, KeyBank National Association, Zions First National Bank, and Deutsche Bank AG New York Branch, entered into Amendment No. 1 (the "Amendment") to the credit agreement, dated as of October 9, 2014, by and among the Company and the foregoing lenders, with Bank of America, N.A. serving as Administrative Agent (the "Credit Agreement"). The Amendment (i)&#160;narrowed the definition of "Change of Control" to provide that it will not qualify as a change of control in a situation where a majority of the members of the incumbent board approves new directors as a result of an actual or threatened proxy contest and (ii) changed the borrowing provisions to provide that if the Company fails to give a timely notice requesting the continuation of a eurodollar loan, such loan shall generally be continued as a eurodollar loan with an interest period of one month.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">A copy of the Amendment is attached as Exhibit 10.1 to this Current Report on Form 8-K. Reference is made to the Amendment, the text of which is incorporated herein by reference, for its complete terms. The foregoing description of the Amendment is qualified in its entirety by reference to such exhibit.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">In addition to the Credit Agreement and Amendment, the Company engages in swaps and derivatives transactions pursuant to ISDA agreements with Bank of America, N.A., HSBC Bank USA, N.A. and KeyBank National Association.</div>

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<div style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">Item 9.01.<font style="FONT-SIZE: 1px; LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">Financial Statements and Exhibits.</font></div>

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<div style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(d)<font style="FONT-SIZE: 1px; LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Exhibit.</font></div>

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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">Amendment No. 1 to the Credit Agreement, dated as of October 9, 2014, among the Company, various financial institutions, and Bank of America, N.A. as administrative agent, dated as of May 14, 2015.</td>
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<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">SIGNATURE</div>

<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">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.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 216pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">NU SKIN ENTERPRISES, INC.</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font> (Registrant)</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 216pt">Ritch Wood<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
</font> Chief Financial Officer</div>

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<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Date:&#160; May 19, 2015</div>

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<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">EXHIBIT INDEX</div>

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<div style="MARGIN-BOTTOM: 12pt; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><u style="FONT-WEIGHT: bold">Exhibit No.</u><font style="FONT-SIZE: 1px; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-VARIANT: normal; FONT-WEIGHT: bold; FONT-STYLE: normal; LETTER-SPACING: 9pt">&#160;&#160;</font><font style="FONT-SIZE: 1px; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-VARIANT: normal; FONT-WEIGHT: normal; FONT-STYLE: normal; LETTER-SPACING: 9pt">&#160;&#160;</font><font style="FONT-SIZE: 1px; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-VARIANT: normal; FONT-WEIGHT: normal; FONT-STYLE: normal; LETTER-SPACING: 9pt">&#160;&#160;</font><font style="FONT-SIZE: 1px; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-VARIANT: normal; FONT-WEIGHT: normal; FONT-STYLE: normal; LETTER-SPACING: 9pt">&#160;&#160;</font><font style="FONT-SIZE: 1px; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-VARIANT: normal; FONT-WEIGHT: normal; FONT-STYLE: normal; LETTER-SPACING: 9pt">&#160;&#160;</font><font style="FONT-SIZE: 1px; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-VARIANT: normal; FONT-WEIGHT: normal; FONT-STYLE: normal; LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold"><u>Exhibit Description</u></font></div>

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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">Amendment No. 1 to the Credit Agreement, dated as of October 9, 2014, among the Company, various financial institutions, and Bank of America, N.A. as administrative agent, dated as of May 14, 2015.</td>
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<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">AMENDMENT NO. 1 TO CREDIT AGREEMENT</div>

<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-TOP: 6pt; TEXT-INDENT: 36pt">AMENDMENT NO. 1 (this "<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">Amendment</font>") dated as of May 14, 2015 to the <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; COLOR: #000000">Credit Agreement dated as of October 9, 2014 (as amended, restated, supplemented or otherwise modified prior to the date hereof, the "</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; COLOR: #000000">Credit Agreement</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; COLOR: #000000">") among Nu Skin Enterprises, Inc. (the "</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; COLOR: #000000">Borrower</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; COLOR: #000000">"), the Guarantors from time to time party thereto, each Lender from time to time party thereto and Bank of America, N.A., as Administrative Agent, Swing Line Lender and L/C Issuer (the "</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; COLOR: #000000">Administrative Agent</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; COLOR: #000000">").</font></div>

<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">W I T N E S S E T H:</div>

<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">WHEREAS, the parties hereto desire to amend certain provisions of the Credit Agreement, as provided herein;</div>

<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">NOW, THEREFORE, the parties hereto agree as follows:</div>

<div style="TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">SECTION 1</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">.&#160; <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic">Defined Terms; References</font>.&#160; Unless otherwise defined herein, each term used herein which is defined in the Credit Agreement has the meaning assigned to such term in the Credit Agreement.&#160; Each reference to "hereof", "hereunder", "herein" and "hereby" and each other similar reference and each reference to "this Agreement" and each other similar reference contained in the Credit Agreement shall, after the amendments herein become effective, refer to the Credit Agreement as amended hereby.</font></div>

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<div style="TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">SECTION 2</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal">.&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-VARIANT: normal; FONT-WEIGHT: normal; COLOR: #000000"><font style="FONT-STYLE: italic">Amendments to the Credit Agreement</font>.&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; COLOR: #000000">Each of the parties hereto agrees that, effective on the First Amendment Effective Date (as defined below), </font>the Credit Agreement shall be amended as follows:</font></div>

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<div style="TEXT-INDENT: 46.8pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(a)</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 6pt">&#160;&#160;&#160;&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">The following language shall be deleted from paragraph (b) of the definition of "Change of Control":</font></div>

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<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt">"(excluding, in the case of both clause (ii) and clause (iii), any individual whose initial nomination for, or assumption of office as, a member of that board or equivalent governing body occurs as a result of an actual or threatened solicitation of proxies or consents for the election or removal of one or more directors by any person or group other than a solicitation for the election of one or more directors by or on behalf of the Board of Directors)"; and</div>

<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(b)</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 6pt">&#160;&#160;&#160;&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">The final four sentences of Section 2.02(a) shall be amended and restated as follows:</font></div>

<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt">"If the Borrower fails to specify a Type of Loan in a Committed Loan Notice requesting a Term Borrowing or a Revolving Credit Borrowing, then the applicable Term Loans or Revolving Credit Loans shall be made as Base Rate Loans.&#160; If the Borrower fails to give a timely notice requesting a continuation of Eurocurrency Rate Loans, such Loans shall be continued as Eurocurrency Rate Loans with an Interest Period of one month.&#160; If the Borrower requests a Borrowing of, conversion to, or continuation of Eurocurrency Rate Loans in any such Committed Loan Notice, but fails to specify an Interest Period, it will be deemed to have specified an Interest Period of one month.&#160; Notwithstanding anything to the contrary herein, (w) a Swing Line Loan may not be converted to a Eurocurrency Rate Loan, (x) no Loan may be converted into or continued as a Loan denominated in a different currency, (y) any Eurocurrency Rate Loan denominated in Dollars that has an Interest Period ending less than one month before the Maturity Date shall automatically be converted to a Base Rate Loan, effective as of the last day of such Interest Period, and (z) any Eurocurrency Rate Loan denominated in Yen that has an Interest Period ending less than one month before the Maturity Date shall automatically be continued as a Eurocurrency Rate Loan denominated in Yen with an Interest Period that (I) shall end on the maturity date but (II)&#160;solely for purposes of paragraph (a) of the definition of "Eurocurrency Rate", shall be treated as one month."</div>

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<div style="TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: normal">SECTION 3.</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic"><font style="FONT-STYLE: normal">&#160; </font>Representations and Warranties</font>.&#160; <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic">(a)</font> The Loan Parties represent and warrant to the Administrative Agent and the Lenders that, after giving effect to this Amendment, (i)&#160;the representations and warranties contained in the Loan Documents that are qualified by materiality are true and correct, and the representations and warranties that are not so qualified are true and correct in all material respects, in each case as though made on and as of the date hereof (other than with respect to any representation and warranty that expressly relates to an earlier date, in which case such representation and warrant is true and correct in all material respects as of such earlier date) and (ii)&#160;no Default has occurred and is continuing as of the date hereof.</font></div>

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<div style="TEXT-INDENT: 46.8pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(b)</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 6pt">&#160;&#160;&#160;&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Each Loan Party represents and warrants, on and as of the date hereof, that (i)&#160;it has the requisite power to execute and deliver this Amendment, and all corporate or other action required to be taken by it for the due and proper authorization, execution, delivery and performance of this Amendment has been duly and validly taken; (ii)&#160;this Amendment has been duly authorized, executed and delivered by it and (iii)&#160;no approval, consent, exemption, authorization, or other action by, or notice to, or filing with, any Governmental Authority or any other Person is necessary or required in connection with the execution, delivery and performance by any Loan Party of this Amendment.</font></div>

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<div style="TEXT-INDENT: 46.8pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(c)</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 6pt">&#160;&#160;&#160;&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Each Loan Party represents and warrants that this Amendment constitutes a legal, valid and binding obligation of such Loan Party, enforceable against such Loan Party in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of creditors' rights generally at law or by equitable principles, <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; COLOR: #000000">regardless of whether considered in a proceeding in equity or at law</font>.</font></div>

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<div style="TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">SECTION 4</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">.&#160; <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic">Counterparts</font>.&#160; This Amendment may be signed in any number of counterparts, each of which shall be an original, with the same effect as if the signatures thereto and hereto were upon the same instrument.&#160; Delivery of an executed counterpart of a signature page of this Agreement by telecopy or other electronic imaging means (e.g. "pdf" or "tif") shall be effective as delivery of a manually executed counterpart of this Agreement.</font></div>

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<div style="TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">SECTION 5</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">.&#160; <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic">Costs and Expenses</font>.&#160; Without limiting the obligations of the Borrower under the Credit Agreement, the Borrower agrees to pay to the Administrative Agent all of the Administrative Agent's reasonable out-of-pocket expenses, paid or payable in connection with the preparation, negotiation, execution and delivery of this Amendment, including the reasonable fees, charges and disbursements of counsel to the Administrative Agent in connection with the foregoing.</font></div>

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<div style="TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">SECTION 6</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">.&#160; <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic">Effectiveness</font>.&#160; This Amendment shall become effective as of the date hereof on the date (the "<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">First Amendment Effective Date</font>") when the Administrative Agent shall have received:</font></div>

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<div style="TEXT-INDENT: 46.8pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(a)</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 6pt">&#160;&#160;&#160;&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">duly executed counterparts hereof signed by the Borrower, each other Loan Party, the Administrative Agent and the Lenders sufficient to constitute, collectively, the Required Lenders; and</font></div>

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<div style="TEXT-INDENT: 46.8pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(b)</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 6pt">&#160;&#160;&#160;&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">all amounts due and payable pursuant to <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#8206;</font>Section 5 of this Amendment and all other amounts payable pursuant to Section 11.04(a) of the Credit Agreement, in each case for which invoices have been presented not later than one Business Day prior to the First Amendment Effective Date.</font></div>

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<div style="TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: normal">SECTION 7</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic"><font style="FONT-STYLE: normal">.&#160;</font> Ratification and Reaffirmation; Designation.</font>&#160; <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic">(a)</font> Each Loan Party hereby ratifies and reaffirms the Obligations under the Credit Agreement and each of the other Loan Documents to which it is a party and all of the covenants, duties, indebtedness and liabilities under the Credit Agreement and the other Loan Documents to which it is a party.&#160; Except as expressly set forth herein, the amendments contained herein shall not constitute a waiver or amendment of any term or condition of the Credit Agreement or any other Loan Document, and all such terms and conditions shall remain in full force and effect and are hereby ratified and confirmed in all respects.</font></div>

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<div style="TEXT-INDENT: 46.8pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(b)</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 6pt">&#160;&#160;&#160;&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">This Amendment shall constitute a "Loan Document" for all purposes under the Credit Agreement as amended hereby and the other Loan Documents.</font></div>

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<div style="TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">SECTION 8</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">.&#160; <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic">Governing Law</font>.&#160; THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.</font></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">[<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic">Signature pages follow</font>]</div>

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<div style="MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed as of the date first above written.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">NU SKIN ENTERPRISES, INC., as the&#160;Borrower</div>

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<td style="WIDTH: 89.52%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;/s/ Ritch&#160;Wood</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Name:&#160;&#160;&#160;&#160;&#160;&#160; Ritch&#160;Wood</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Title:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; CFO</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">NU SKIN INTERNATIONAL, INC., as a Guarantor</div>

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<td style="WIDTH: 89.37%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid" colspan="2">&#160;/s/ Ritch&#160;Wood</td>
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<td style="WIDTH: 82.19%; VERTICAL-ALIGN: top">&#160;&#160; CFO</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">NSE PRODUCTS, INC., as a Guarantor</div>

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<td style="WIDTH: 89.37%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid" colspan="2">&#160;/s/ Ritch&#160;Wood</td>
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<td style="WIDTH: 80.24%; VERTICAL-ALIGN: top">&#160; CFO</td>
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</table>

<div style="MARGIN-BOTTOM: 18pt; CLEAR: both; MARGIN-TOP: 12pt"><br>
</div>

<table id="7b97439c32b343cfb1ee7a87c4b1c605" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 50%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" align="right" border="0">
<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">NU SKIN ENTERPRISES UNITED STATES, INC., as a Guarantor</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 10.78%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">By:</div>
</td>
<td style="WIDTH: 89.22%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid" colspan="2">&#160;/s/ Ritch&#160;Wood</td>
</tr>

<tr>
<td style="WIDTH: 10.78%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 7.19%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Name:</div>
</td>
<td style="WIDTH: 80.09%; VERTICAL-ALIGN: top">&#160; Ritch&#160;Wood</td>
</tr>

<tr>
<td style="WIDTH: 10.78%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 7.19%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Title:</div>
</td>
<td style="WIDTH: 80.09%; VERTICAL-ALIGN: top">&#160; CFO</td>
</tr>
</table>

<div style="MARGIN-BOTTOM: 12pt; CLEAR: both"><br>
</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">[Signature page to Amendment No. 1]</div>

<div>&#160;</div>

<div><br>
 &#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<hr id="DSPFPageBreak" style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; PAGE-BREAK-AFTER: always; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>

<div>&#160;</div>

<div>&#160;</div>

<div><br>
 &#160;</div>

<table id="893f853294e94737895acc6b12a0fcbc" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 50%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" align="right" border="0">
<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">BANK OF AMERICA, N.A. as Administrative Agent and a Lender</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">&#160;</div>
</td>
</tr>

<tr style="HEIGHT: 14px">
<td style="WIDTH: 9.88%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">By:</div>
</td>
<td style="WIDTH: 90.12%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;/s/ David R. Barney</td>
</tr>

<tr>
<td style="WIDTH: 9.88%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
</td>
<td style="WIDTH: 90.12%; VERTICAL-ALIGN: top">Name:&#160; David R. Barney</td>
</tr>

<tr>
<td style="WIDTH: 9.88%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </div>
</td>
<td style="WIDTH: 90.12%; VERTICAL-ALIGN: top">Title:&#160;&#160;&#160; Senior Vice President</td>
</tr>

<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>
</table>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center; CLEAR: both">[Signature page to Amendment No. 1]</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both"><br>
 &#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<hr id="DSPFPageBreak" style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; PAGE-BREAK-AFTER: always; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>

<div>&#160;</div>

<div>&#160;</div>

<div><br>
 &#160;</div>

<table id="83673894c2234f2db8aa4803ed5c6e45" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 50%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" align="right" border="0">
<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">HSBC Bank USA, National Association&#160;as a Lender</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 13.32%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">By:</div>
</td>
<td style="WIDTH: 86.68%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;/s/ Jean Frammolino</td>
</tr>

<tr>
<td style="WIDTH: 13.32%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </div>
</td>
<td style="WIDTH: 86.68%; VERTICAL-ALIGN: top">Name:&#160; Jean Frammolino</td>
</tr>

<tr>
<td style="WIDTH: 13.32%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </div>
</td>
<td style="WIDTH: 86.68%; VERTICAL-ALIGN: top">Title:&#160;&#160;&#160; Vice President</td>
</tr>
</table>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both"><br>
<div style="FONT-STYLE: italic; TEXT-ALIGN: center">[Signature page to Amendment No. 1]</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<hr id="DSPFPageBreak" style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; PAGE-BREAK-AFTER: always; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">
<div><br>
</div>

<table id="a4c9e54f3c7642a998d6c0e448fcdd4c" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 50%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" align="right" border="0">
<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">ROYAL BANK OF CANADA, as a Lender</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 13.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">By:</div>
</td>
<td style="WIDTH: 86.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;/s/ Nikhil Madhok</td>
</tr>

<tr>
<td style="WIDTH: 13.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
</td>
<td style="WIDTH: 86.38%; VERTICAL-ALIGN: top">Name:&#160; Nikhil Madhok</td>
</tr>

<tr>
<td style="WIDTH: 13.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </div>
</td>
<td style="WIDTH: 86.38%; VERTICAL-ALIGN: top">Title:&#160;&#160;&#160; Authorized Signatory</td>
</tr>
</table>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both"><br>
<div style="FONT-STYLE: italic; TEXT-ALIGN: center">[Signature page to Amendment No. 1]</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<hr id="DSPFPageBreak" style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; PAGE-BREAK-AFTER: always; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>
</div>
</div>
</div>

<div>&#160;</div>

<div>&#160;</div>

<div>
<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">
<div><br>
</div>

<table id="ab7ffe34c4da4e63a7691eb7342a36e2" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 50%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" align="right" border="0">
<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">FIFTH THIRD BANK, as a Lender</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 13.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">By:</div>
</td>
<td style="WIDTH: 86.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;/s/ Eric Oberfield</td>
</tr>

<tr>
<td style="WIDTH: 13.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </div>
</td>
<td style="WIDTH: 86.38%; VERTICAL-ALIGN: top">Name:&#160; Eric Oberfield</td>
</tr>

<tr>
<td style="WIDTH: 13.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
</td>
<td style="WIDTH: 86.38%; VERTICAL-ALIGN: top">Title:&#160;&#160;&#160; Vice President</td>
</tr>
</table>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

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<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both"><br>
<div style="FONT-STYLE: italic; TEXT-ALIGN: center">[Signature page to Amendment No. 1]</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<hr id="DSPFPageBreak" style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; PAGE-BREAK-AFTER: always; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>
</div>
</div>

<div>&#160;</div>

<div>
<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">
<div><br>
</div>

<table id="a3a12afa16264c6880910e462d9bb329" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 50%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" align="right" border="0">
<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">KeyBank National Association, as a Lender</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 13.47%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">By:</div>
</td>
<td style="WIDTH: 86.53%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;/s/ Robert J. Likos</td>
</tr>

<tr>
<td style="WIDTH: 13.47%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
</td>
<td style="WIDTH: 86.53%; VERTICAL-ALIGN: top">Name:&#160; Robert J. Likos</td>
</tr>

<tr>
<td style="WIDTH: 13.47%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 63pt; TEXT-INDENT: -36pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
</td>
<td style="WIDTH: 86.53%; VERTICAL-ALIGN: top">Title:&#160;&#160;&#160; Senior Vice President</td>
</tr>
</table>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both">&#160;</div>

<div style="CLEAR: both"><br>
<div style="FONT-STYLE: italic; TEXT-ALIGN: center">[Signature page to Amendment No. 1]</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
<hr id="DSPFPageBreak" style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; PAGE-BREAK-AFTER: always; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>
</div>
</div>

<div>&#160;</div>

<div>
<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">&#160;</div>

<div style="FONT-STYLE: italic; TEXT-ALIGN: center">
<div><br>
</div>

<table id="7b29ef79ac8e4f869a3ed4122551347b" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 50%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" align="right" border="0">
<tr>
<td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">ZIONS FIRST NATIONAL BANK, as a Lender</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">&#160;</div>
</td>
</tr>

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<td style="WIDTH: 86.53%; VERTICAL-ALIGN: top">Title:&#160;&#160;&#160; Senior Vice President</td>
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<div style="FONT-STYLE: italic; TEXT-ALIGN: center">[Signature page to Amendment No. 1]</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt">Deutsche Bank AG New York Branch, as a Lender</div>

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<div style="FONT-STYLE: italic; TEXT-ALIGN: center">[Signature page to Amendment No. 1]</div>

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