Debt Financings

Hercules Capital, Inc. amended credit facility with Sumitomo Mitsui Banking Corporation at change the margin that applies with respect to any “term benchmark” disbursement maturing extend the final maturity date of the SMBC LC Facility Agreement from January 13, 2026, to February 5, 2028.

“The SMBC Third Amendment to LC Facility Agreement amends certain provisions of the SMBC LC Facility Agreement to, among other things, (i) change the margin that applies with respect to any “term benchmark” disbursement or “RFR” disbursement, if the borrowing base is less than the product of 1.60 and the letter of credit exposure, from 1.475% to 1.450%, (ii) change the commitment fee the Company will pay to SMBC from 0.35% to 0.40% per annum on the average daily unused amount of the then-current commitment, and (iii) extend the final maturity date of the SMBC LC Facility Agreement from January 13, 2026, to February 5, 2028.”

Bristow Group Inc. incurred term loan of EUR 6 million with Bristow Leasing Limited (borrower), Bristow Group Inc. (parent guarantor), Bristow Helicopters Limited (guarantor), Bristow Aviation Holdings Limited (guarantor), UK export facility lenders, commercial facility lenders, National Westminster Bank Plc (lead arranger, structuring bank, agent and securi at Not specified maturing Not specified.

“On February 3, 2025, the fifth Utilisation Date (as defined in the BLL Facilities Agreement) occurred under the BLL Facilities Agreement, and BLL borrowed approximately EUR 6 million under the BLL Facilities Agreement (the “Borrowing”).”

Interactive Strength, Inc. incurred debt of $362,350 with Investor at 5% per annum maturing April 4, 2025.

“• Exchange Note 2 principal amount: $1,552,067 • Exchange Note 3 principal amount: $274,281 • Exchange Note 4 principal amount: $371,813 • Exchange Note 5 principal amount: $362,350 The Exchange Notes accrue interest at a rate of 5% per annum, subject to adjustment from time to time as set forth in the Exchange Notes. The maturity date of Exchange Note 1 and”

Interactive Strength, Inc. incurred debt of $371,813 with Investor at 5% per annum maturing April 4, 2025.

“• Exchange Note 1 principal amount: $2,819,830 • Exchange Note 2 principal amount: $1,552,067 • Exchange Note 3 principal amount: $274,281 • Exchange Note 4 principal amount: $371,813 • Exchange Note 5 principal amount: $362,350 The Exchange Notes accrue interest at a rate of 5% per annum, subject to adjustment from time to time as set forth in the Exchange”

Interactive Strength, Inc. incurred debt of $274,281 with Investor at 5% per annum maturing May 5, 2025.

“amounts of the Exchange Notes are as follows: • Exchange Note 1 principal amount: $2,819,830 • Exchange Note 2 principal amount: $1,552,067 • Exchange Note 3 principal amount: $274,281 • Exchange Note 4 principal amount: $371,813 • Exchange Note 5 principal amount: $362,350 The Exchange Notes accrue interest at a rate of 5% per annum, subject to adjustment from”

Interactive Strength, Inc. incurred debt of $1,552,067 with Investor at 5% per annum maturing April 4, 2025.

“Description of the Exchange Notes The principal amounts of the Exchange Notes are as follows: • Exchange Note 1 principal amount: $2,819,830 • Exchange Note 2 principal amount: $1,552,067 • Exchange Note 3 principal amount: $274,281 • Exchange Note 4 principal amount: $371,813 • Exchange Note 5 principal amount: $362,350 The Exchange Notes accrue interest at a rate”

Interactive Strength, Inc. incurred debt of $2,819,830 with Investor at 5% per annum maturing May 5, 2025.

“and Note 5 was exchanged for “Exchange Note 5”. Description of the Exchange Notes The principal amounts of the Exchange Notes are as follows: • Exchange Note 1 principal amount: $2,819,830 • Exchange Note 2 principal amount: $1,552,067 • Exchange Note 3 principal amount: $274,281 • Exchange Note 4 principal amount: $371,813 • Exchange Note 5 principal amount:”

SAB Biotherapeutics, Inc. incurred lease obligation with Sanford Health maturing five years ending on December 31, 2029.

“(the “Company”) entered into a lease agreement, dated and effective February 1, 2025 (the “Sanford Lease Agreement”), with Sanford Health, a South Dakota non-profit corporation ( the “Landlord”). The Sanford Lease Agreement provides for a lease area of 21,014 from the Landlord to the Company, located at 2301 East 60th Street North, Sioux Falls, South Dakota 57104.”

La Rosa Holdings Corp. incurred senior notes of $5,500,000 with an institutional investor at 12% per annum maturing two-year anniversary of the Closing Date.

“the Company issued to the Investor: (i) a Senior Secured Convertible Note in the original principal amount of $5,500,000 which matures on the two-year anniversary of the Closing Date”

Goldman Sachs Private Credit Corp. amended revolving credit of $1.1 billion with BNP Paribas at 1.615% per annum maturing January 31, 2028.

“The Third Amendment, among other things, (i) increased the aggregate maximum facility amount from $900 million to $1.1 billion, (ii) extended the end of the period in which the Company may make borrowings under the facility from October 31, 2026 to January 31, 2027, (iii) extended the final maturity date of the facility from November 1, 2027 to January 31, 2028, and (iv) as of the first interest period following the Third Amendment Effective Date, reduced the margin applicable to advances from 1.630% per annum to 1.615% per annum”

HPS Corporate Capital Solutions Fund amended revolving credit of $675,000,000 with Apple Bank.

“The Commitment Increase Agreement provides for the Assuming Lender’s dollar commitment, thereby bringing the aggregate commitments of the lenders under the Revolving Credit Facility from $650,000,000 to $675,000,000 through the accordion feature in the Revolving Credit Facility.”

AMERICAS CARMART INC incurred debt of $150,770,000 aggregate principal amount of 5.38% Class A Asset Backed Notes (the “Class A Notes”) and $49,230,000 aggreg maturing November 20, 2031.

“On January 31, 2025, affiliates of America’s Car-Mart, Inc. (the “Company”) completed a securitization transaction (the “Securitization Transaction”), which involved the issuance and sale in a private offering of $150,770,000 aggregate principal amount of 5.38% Class A Asset Backed Notes (the “Class A Notes”) and $49,230,000 aggregate principal amount of 7.87% Class B Asset Backed Notes (the “Class B Notes” and, together with the Class A Notes, the “Notes”).”

CANTALOUPE, INC. incurred term loan of $30 million with JPMorgan Chase Bank, N.A. (as administrative agent) at SOFR plus an applicable margin tied to the Company’s total net leverage ratio an maturing January 31, 2030.

“$30 million secured delayed draw term loan facility (the "Delayed Draw Term Loan Facility")”

ONCOR ELECTRIC DELIVERY CO LLC incurred term loan of $300 million aggregate principal amount was borrowed under the AR Facility with MUFG Bank, Ltd. at (i) the daily cost of asset-backed commercial paper issued by the conduit lender maturing April 28, 2027.

“On January 30, 2025, $300 million aggregate principal amount was borrowed under the AR Facility”

ONCOR ELECTRIC DELIVERY CO LLC incurred senior notes of $250 million at 5.15% per annum maturing May 1, 2029.

“Oncor issued $250 million aggregate principal amount of its 5.15% Senior Secured Notes, Series H, due May 1, 2029”

Jaguar Health, Inc. amended senior notes of $6,220,812.50 with Streeterville Capital, LLC maturing July 20, 2025.

“entered into an amendment (the “Note Amendment”) with Streeterville Capital, LLC (“Streeterville”) to the secured promissory note in the original principal amount of $6,220,812.50 (as amended, the “Note”) issued by Borrower to Streeterville on January 19, 2021 pursuant to that certain Note Purchase Agreement among the same parties dated as of the even date”

STRYVE FOODS, INC. amended loan of $761,422 in principal amount with a related party maturing December 31, 2025.

“Stryve Foods, Inc. (the “ Company ”) has successfully extended the maturity and amended $761,422 in principal amount of an unsecured promissory note (the “Note”) to a related party. The maturity of the Note has been extended from December 23, 2024 to December 31, 2025.”

VICI PROPERTIES INC. incurred revolving credit of $2.5 billion with Wells Fargo Bank, N.A., as administrative agent at SOFR plus a margin ranging from 0.70% to 1.40% maturing February 3, 2029.

“On February 3, 2025 (the "Effective Date"), VICI Properties L.P. (the "Borrower"), a Delaware limited partnership and wholly owned subsidiary of VICI Properties Inc. (the "Company"), entered into a new Credit Agreement with Wells Fargo Bank, N.A., as administrative agent, and the other lenders party thereto (the "Credit Agreement"), comprised of a $2.5 billion senior revolving credit facility scheduled to mature on February 3, 2029 (the "Credit Facility").”

ADAMS RESOURCES & ENERGY, INC. incurred credit facility of aggregate principal amount of up to $80,000,000 with Wells Fargo Bank, National Association, as administrative agent, and the other lenders party thereto.

“Merger Sub entered into that certain Credit Agreement, dated as of February 4, 2025, by and among Merger Sub, Wells Fargo Bank, National Association, as administrative agent, and the other lenders party thereto (the “Wells Fargo Credit Agreement”), which provides for revolving loans, term loans and letters of credit in an aggregate principal amount of up to $80,000,000.”

UNITIL CORP amended credit facility of increases the borrowing limit from $200 million to $275 million with Bank of America, N.A., Citizens Bank, N.A., and TD Bank, N.A. maturing extended from September 29, 2027 until September 29, 2028.

“The Second Amendment, among other things, (i) increases the borrowing limit under the Third Amended and Restated Credit Agreement from $200 million to $275 million and (ii) extends the term of the Third Amended and Restated Credit Agreement from September 29, 2027 until September 29, 2028.”

EAGLE MATERIALS INC amended revolving credit of up to $750 million with JPMorgan Chase Bank, N.A. at base rate or SOFR rate, in each case, plus an Applicable Rate maturing February 4, 2030.

“aggregate principal amount of $200 million (the “Existing Initial Term Loan Facility”) and (2) a senior unsecured revolving commitments in an aggregate principal amount of up to $750 million, with a letter of credit sub-facility of $40 million, with a swingline loan sub-facility of $25 million (the “Existing Revolving Loan Facility”). Under the Existing Credit”

EAGLE MATERIALS INC incurred term loan of $300 million with JPMorgan Chase Bank, N.A. at base rate or SOFR rate, in each case, plus an Applicable Rate based on the Compa maturing February 4, 2030.

“the Existing Credit Agreement, to, among other things, (1) provide the Company with a new senior unsecured term loan A credit facility in the aggregate principal amount of $300 million (the “New Initial Term Loan Facility”), the proceeds of which were used to refinance in full the Existing Initial Term Loan Facility, to repay a portion of the loans outstanding”

Cyclo Therapeutics, Inc. incurred convertible notes of $2,000,000.00 with Rafael at 5% per annum maturing March 31, 2025.

“Eighth Amended and Restated Note Purchase Agreement (the “Agreement”) with Rafael pursuant to which the Company issued and sold a convertible promissory note in the principal amount of $2,000,000.00 (the “Note”) to Rafael.”

UMB FINANCIAL CORP incurred senior notes of $150,000,000 aggregate principal amount of 2.75% fixed-to-floating rate subordinated notes due September 15, 2031 with Heartland Financial USA, Inc. at 2.75% fixed-to-floating rate maturing September 15, 2031.

“the Company also assumed all of HTLF’s obligations as required by that certain Indenture, dated as of December 17, 2014, as supplemented by that certain Second Supplemental Indenture, dated as of September 8, 2021 (collectively, the “Indenture”), with respect to HTLF’s $150,000,000 aggregate principal amount of 2.75% fixed-to-floating rate subordinated notes due September 15, 2031 (the “2031 Notes”).”

Seagate Technology Holdings plc incurred revolving credit of $1.3 billion with The Bank of Nova Scotia (Administrative Agent) at SOFR plus a variable margin maturing January 30, 2030.

“The New Credit Agreement provides for a $1.3 billion senior unsecured revolving credit facility, under which the Borrower may borrow at any time until the earlier of (i) January 30, 2030”

Teads Holding Co. incurred revolving credit of $100,000,000 with Goldman Sachs Bank USA and other lenders at Term SOFR subject to zero floor plus 4.25% per annum or alternate base rate plus maturing February 3, 2030, subject to springing maturity if bridge refinancing remains outstanding.

“The Credit Agreement provides for (a) a super senior secured revolving credit facility in an aggregate principal amount of $100,000,000 (the “Revolving Facility”) and (b) a senior secured bridge term loan credit facility in an aggregate principal amount of $625,000,000 (the “Bridge Facility” and, together with the Revolving Facility, the “Credit Facilities”).”

LiveOne, Inc. amended credit facility of $3,750,000 with East West Bank at initial rate of 10.00% maturing November 20, 2025.

“On January 28, 2025, LiveOne, Inc. (the “Company”) entered into a new Business Loan Agreement (the “Business Loan Agreement”) with East West Bank (the “Senior Lender”) to update certain terms of the Company’s current credit facility with the Senior Lender (the “Credit Facility”), including to reduce the principal amount outstanding under the Promissory Note (as defined below) to $3,750,000, reflecting the Company’s repayment of $3,250,000 of the principal amount to date, and to extend the maturity date of the Promissory Note to November 20, 2025. Borrowings under the Credit Facility are subject to certain covenants as set forth in the Business Loan Agreement and bear interest at a rate equal to the “Money Rate” column of The Wall Street Journal (Western Edition) as determined by the Senior Lender plus 2.50%, resulting in the initial rate of 10.00%.”

Uniti Group Inc. incurred senior notes of $589,000,000 aggregate principal amount with Wilmington Trust, National Association at 5.9% Series 2025-1, Class A-2 term notes, $65,000,000 6.4% Series 2025-1, Class maturing anticipated repayment date in April of 2030.

“On February 3, 2025, Uniti Fiber ABS Issuer LLC and Uniti Fiber TRS Issuer LLC (collectively, the “Issuers”), each an indirect, bankruptcy-remote subsidiary of Uniti Group Inc. (the “Company,” and, together with the Issuers, “we,” “us,” or ‘our”), completed a private offering of $589,000,000 aggregate principal amount of secured fiber network revenue term notes, consisting of $426,000,000 5.9% Series 2025-1, Class A-2 term notes, $65,000,000 6.4% Series 2025-1, Class B term notes and $98,000,000 9.0% Series 2025-1, Class C term notes (collectively, the “Notes”), each with an anticipated repayment date (“ARD”) in April of 2030.”

Hilton Grand Vacations Inc. incurred revolving credit of $1.0 billion with Bank of America, N.A. at Term SOFR plus 1.50% to 1.95% per annum or Base Rate plus 0.50% to 0.95% per ann maturing January 31, 2030.

“the Borrower incurred $1.0 billion of a new class of revolving credit commitments (the "New Revolving Credit Facility").”

Concrete Pumping Holdings, Inc. incurred senior notes of $425.0 million at 7.500% maturing February 1, 2032.

“completed a private offering of $425.0 million in aggregate principal amount of its 7.500% senior secured second lien notes due 2032”

Tempus AI, Inc. incurred revolving credit of $100.0 million with Ares Capital Corporation at Term SOFR plus 3.75% maturing February 3, 2030.

“The Company borrowed $200.0 million in Third Amendment Term Loans and $100.0 million in Revolving Loans on the Closing Date to fund, in part, the consideration payable in connection with its acquisition of Ambry. The Third Amendment Term Loan Facility and the Priority ABL Facility mature on February 3, 2030.”

Tempus AI, Inc. incurred term loan of $200.0 million with Ares Capital Corporation at Term SOFR plus 7.25% cash (through Dec 31, 2025); thereafter Term SOFR plus 6.75 maturing February 3, 2030.

“The Company borrowed $200.0 million in Third Amendment Term Loans and $100.0 million in Revolving Loans on the Closing Date to fund, in part, the consideration payable in connection with its acquisition of Ambry. The Third Amendment Term Loan Facility and the Priority ABL Facility mature on February 3, 2030.”

Kiromic Biopharma, Inc. incurred convertible notes of $1,000,000 with an accredited investor at 25% per annum maturing January 28, 2026.

“On January 28, 2025, Kiromic BioPharma, Inc. (the “Company”) issued a 25% Senior Secured Convertible Promissory Note (the “Note”) to an accredited investor (the “Holder”). The Note has a principal amount of $1,000,000, bears interest at a rate of 25% per annum (the “Stated Rate”) and matures on January 28, 2026 (the “Maturity Date”)”

Kiromic Biopharma, Inc. incurred convertible notes of $1,000,000 with an accredited investor at 25% per annum maturing January 28, 2026.

“BioPharma, Inc. (the “Company”) issued a 25% Senior Secured Convertible Promissory Note (the “Note”) to an accredited investor (the “Holder”). The Note has a principal amount of $1,000,000, bears interest at a rate of 25% per annum (the “Stated Rate”) and matures on January 28, 2026 (the “Maturity Date”), on which the principal balance and accrued but unpaid interest”

Omega Therapeutics, Inc. incurred credit facility with Pioneering Medicines 08-B, Inc..

“the Supporting Party, as post-petition lender to the debtor-in-possession, has agreed to make a senior secured superpriority debtor-in-possession loan (the “DIP Loan”) to the Company consisting of (a) new money term loan commitments from the Supporting Party and (b) a roll-up of the Bridge Loan (the “Roll-Up Loans”).”

Omega Therapeutics, Inc. incurred term loan of approximately $1,400,000 with Pioneering Medicines 08-B, Inc..

“the Supporting Party, as bridge lender, has agreed to make a bridge term loan (the “Bridge Loan”) to the Company in a total aggregate principal amount of approximately $1,400,000, in the form of a secured promissory note.”

GERMAN AMERICAN BANCORP, INC. incurred senior notes of $24,300,000 at 5.0% Fixed-to-Floating Rate maturing May 15, 2030.

“the Company assumed Heartland’s obligations under its 5.0% Fixed-to-Floating Rate Subordinated Notes due 2030 (the “Notes”), which have a current outstanding aggregate principal amount of $24,300,000”

Aircastle LTD incurred senior notes of $500 million aggregate principal amount with Computershare Trust Company, N.A. at 5.250% per annum maturing March 15, 2030.

“On January 31, 2025, Aircastle Limited (“Aircastle”) and Aircastle (Ireland) Designated Activity Company, a wholly-owned subsidiary of Aircastle (together with Aircastle, the “Issuers”), issued $500 million aggregate principal amount of the Issuers’ 5.250% Senior Notes due 2030 (the “Notes”) pursuant to an Indenture, dated as of January 31, 2025 (the “Indenture”), among the Issuers and Computershare Trust Company, N.A., as trustee for the Notes.”

Scorpius Holdings, Inc. incurred loan of $600,000 at 5.0% per annum maturing March 31, 2025.

“On January 30, 2025, Scorpius Holdings, Inc., a Delaware corporation (the “Company”), issued a non-convertible promissory note (the “Note”) in the principal amount of Six Hundred Thousand Dollars ($600,000) to an institutional investor (the “Holder”). The Note accrues interest at the rate of 5.0% per annum and matures on the earlier of: (i) March 31, 2025; (ii) the consummation of a Corporate Event (as such term is defined in the Note); or (iii) when, upon or after the occurrence of an event of default under the Note.”

Xenia Hotels & Resorts, Inc. incurred term loan of $100 million with JPMorgan Chase Bank, N.A., as administrative agent, and syndicate of bank lenders.

“On January 30, 2025, we borrowed the full $100 million available under the 2024 Delayed Draw Term Loan Commitment”

Outlook Therapeutics, Inc. incurred convertible notes of face amount of $33,100,000 with Avondale Capital, LLC at prime rate (as published in the Wall Street Journal) plus 3% (subject to a floor maturing July 1, 2026.

“On January 31, 2025, Outlook Therapeutics, Inc. (the “Company”) entered into a Securities Purchase Agreement (“SPA”) with Avondale Capital, LLC, a Utah limited liability company (the “Lender”), pursuant to which, the Company agreed to issue to the Lender an unsecured convertible promissory note with a face amount of $33,100,000 (the “Note”).”

Ecovyst Inc. amended term loan with UBS AG, Stamford Branch at term SOFR plus 2.00% per annum for SOFR loans; alternate base rate plus 1.00% pe.

“The Amendment amended the Existing Credit Agreement to, among other things, (a) reduce the interest rate applicable to all outstanding SOFR term loans to term SOFR plus 2.00% per annum from a maximum of adjusted term SOFR plus 2.25% per annum, and (b) reduce the interest rate applicable to all outstanding base rate term loans to the alternate base rate plus 1.00% per annum from a maximum of the alternate base rate plus 1.25% per annum.”

WinVest Acquisition Corp. incurred loan of $1,000,000 with WinVest SPAC LLC.

“On January 31, 2025, WinVest Acquisition Corp. (the "Company") issued an unsecured promissory note in the principal amount of $1,000,000 (the "Note") to WinVest SPAC LLC (the "Sponsor"), pursuant to which the Sponsor agreed to loan to the Company up to $1,000,000.”

TIC Solutions, Inc. amended term loan with Jefferies Finance LLC, as administrative agent at Term SOFR plus 2.75% per annum or the Base Rate plus 1.75% per annum.

“The Amendment amended the Credit Agreement to reduce the stated rate of interest of the Amendment No. 1 Term Loans and reflect other related amendments.”

LABCORP HOLDINGS INC. amended credit facility of increased from $300 million to $700 million with PNC Bank, National Association, as administrative agent at equal to the CP Rate (as defined in the Receivables Purchase Agreement) plus an.

“e agreement (as amended, the “Receivables Purchase Agreement”) by entering into the First Amendment to the Receivables Purchase Agreement (the “RPA Amendment”), among Labcorp Receivables LLC (“Labcorp Receivables”), Laboratory Corporation of America Holdings, PNC Bank, National Association, as administrative agent and the other parties party thereto and acknowledged and agreed by the Company.”

Spectaire Holdings Inc. faced acceleration on loan with Arosa Multi-Strategy Fund LP.

“On October 14, 2024, the loan parties to the Loan Agreement received a notice of event of default and acceleration, as well as a demand for payment, from the Lender as a result of the failure of the loan parties to make repayment under the Loan Agreement by the maturity date.”

Horizon Space Acquisition I Corp. incurred loan of $120,000 with Squirrel Enlivened (Hong Kong) Technology Limited at no interest maturing upon the earlier to occur of (i) the consummation of the Company's business combination or (ii) the date of expiry of the term of the Company.

“The Company will issue an unsecured promissory note in the aggregate principal amount of $120,000 (the “ Note ”) to Squirrel HK in connection with the payment of the Monthly Extension Fee.”

Global Clean Energy Holdings, Inc. amended term loan of up to $334,550,000 with Orion Energy Partners TP Agent, LLC and the lenders party thereto.

“On January 27, 2025, certain subsidiaries of Global Clean Energy Holdings, Inc. (“we,” “us,” “our” and the “Company”) entered into Amendment No. 19 to the Company’s senior secured term loan credit agreement (the “Senior Credit Agreement”), by and among BKRF OCB, LLC (the “Borrower”), BKRF OCP, LLC, Bakersfield Renewable Fuels, LLC, Orion Energy Partners TP Agent, LLC, in its capacity as the administrative agent (the “Administrative Agent”), and the lenders party thereto (“Amendment No. 19”). Amendment No. 19 provides for, among other things, an upsizing of the Tranche D commitments under the Senior Credit Agreement of up to $334,550,000 (the “Upsize”), of which any unfunded portion will automatically terminate on February 7, 2025 (or such later date as the Administrative Agent may consent to). In consideration for the Upsize, Amendment No. 19 provides that an aggregate of $40,000,000 of Tranche A, Tranche B and Tranche C loans outstanding under the Senior Credit Agreement will be recha”

TERADYNE, INC incurred revolving credit of $185.0 million with Truist Bank.

“nt of Registrant As previously disclosed in Teradyne, Inc.’s (the “Company’s”) filings with the Securities and Exchange Commission, the Company is party to a credit agreement dated May 1, 2020 (as amended prior to the date hereof, the “Credit Agreement”) with Truist Bank, as administrative agent and collateral agent, and the lenders party thereto.”

Vitro Biopharma, Inc. incurred convertible notes of $375,000 aggregate principal amount, issued at $300,000 with 20% original issue discount with accredited investors at 20% per annum, accruing from earlier of maturity date or event of default, due f maturing May 16, 2024, extendable to August 16, 2024; or earlier upon a Liquidity Event.

“On May 13, 2024, Vitro BioPharma, Inc. (the “Company”) issued and sold to accredited investors, in a private placement, (i) senior secured convertible notes (the “Notes”) in the aggregate principal amount of $375,000, for an aggregate purchase price of $300,000 (reflecting a 20% original issue discount), and warrants to purchase shares of common stock of the Company (the “Warrants”), pursuant to a previously disclosed securities purchase agreement, dated November 16, 2023.”