0001437749-17-020347 Sample Contracts

SECOND AMENDMENT TO CREDIT AGREEMENT
Credit Agreement • December 7th, 2017 • Natural Grocers by Vitamin Cottage, Inc. • Retail-grocery stores • New York

This CREDIT AGREEMENT is entered into as of January 28, 2016 among VITAMIN COTTAGE NATURAL FOOD MARKETS, INC., a Colorado corporation (the “Borrower”), the Guarantors (defined herein), the Lenders (defined herein) and BANK OF AMERICA, N.A., as Administrative Agent, Swing Line Lender and L/C Issuer.

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AUTOBORROW AGREEMENT
Autoborrow Agreement • December 7th, 2017 • Natural Grocers by Vitamin Cottage, Inc. • Retail-grocery stores • New York

This Autoborrow Agreement (the “Agreement”) is made as of this 6th day of September, 2017, by and between Vitamin Cottage Natural Food Markets, Inc. (“Client”) and Bank of America, N.A. (“Bank”).

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