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Credit Agreement

 

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Title:

Credit Agreement

Entities:

Fleet National Bank; JPMorgan Chase Bank; Lydall Inc /DE/; Lydall, Inc.; Bank of New York

Date:

2003

Size:

Preview shows 45KB of 280KB total

Price:

$55

ID:

#1626386

 

 

► Loans ► Credit Agreements
► Financial
► Consumer ► Textiles - Non Apparel
► Financial ► Money Center Banks

 

 

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CREDIT AGREEMENT

 

dated as of

 

July 14, 1999,

 

amended and restated as of

 

May 13, 2002

 

and amended and restated as of

 

August 29, 2003

 

among

 

LYDALL, INC.

 

LYDALL DEUTSCHLAND HOLDING, GMBH

 

The LENDERS Party Hereto

 

JPMORGAN CHASE BANK,

 

as Administrative Agent

 

and

 

FLEET NATIONAL BANK,

 

as Documentation Agent

 

 


 

JPMORGAN SECURITIES, INC.,

 

as Arranger and Book Manager

 

 

 



TABLE OF CONTENTS

 

ARTICLE I    DEFINITIONS

   1

Section 1.01.

  

Defined Terms

   1

Section 1.02.

  

Classification of Loans and Borrowings

   21

Section 1.03.

  

Terms Generally

   21

Section 1.04.

  

Accounting Terms; GAAP

   22

Section 1.05.

  

Exchange Rates

   22

ARTICLE II    THE CREDITS

   22

Section 2.01.

  

Commitments

   22

Section 2.02.

  

Loans and Borrowings

   23

Section 2.03.

  

Requests for Revolving or Term Borrowings

   23

Section 2.04.

  

Swingline Loans

   24

Section 2.05.

  

Letters of Credit

   26

Section 2.06.

  

Funding of Borrowings

   30

Section 2.07.

  

Interest Elections

   30

Section 2.08.

  

Termination and Reduction of Commitments

   32

Section 2.09.

  

Repayment of Loans; Evidence of Debt

   32

Section 2.10.

  

Voluntary Prepayment of Loans

   34

Section 2.11.

  

Mandatory Prepayment of Loans.

   35

Section 2.12.

  

Fees

   36

Section 2.13.

  

Interest

   37

Section 2.14.

  

Alternate Rate of Interest

   38

Section 2.15.

  

Increased Costs; Illegality.

   38

Section 2.16.

  

Break Funding Payments

   41

Section 2.17.

  

Taxes

   42

Section 2.18.

  

Payments Generally; Pro Rata Treatment; Sharing of Set-offs

   43

Section 2.19.

  

Mitigation Obligations; Replacement of Lenders

   45

ARTICLE III    REPRESENTATIONS AND WARRANTIES

   46

Section 3.01.

  

Organization; Powers

   46

Section 3.02.

  

Authorization; Enforceability

   46

Section 3.03.

  

Governmental Approvals; No Conflicts

   47

Section 3.04.

  

Financial Condition; No Material Adverse Change

   47

Section 3.05.

  

Properties

   48

Section 3.06.

  

Litigation and Environmental Matters

   48

Section 3.07.

  

Compliance with Laws and Agreements

   48

Section 3.08.

  

Investment and Holding Company Status

   49

Section 3.09.

  

Taxes

   49

Section 3.10.

  

ERISA

   49

Section 3.11.

  

Disclosure

   49

Section 3.12.

  

Federal Reserve Regulations

   49

Section 3.13.

  

Solvency

   50



 

ARTICLE IV    CONDITIONS

   50

Section 4.01.

  

Effective Date

   50

Section 4.02.

  

Each Credit Event

   51

ARTICLE V    AFFIRMATIVE COVENANTS

   52

Section 5.01.

  

Financial Statements and Other Information

   52

Section 5.02.

  

Notices of Material Events

   53

Section 5.03.

  

Existence; Conduct of Business

   54

Section 5.04.

  

Payment of Obligations

   54

Section 5.05.

  

Maintenance of Properties; Insurance

   54

Section 5.06.

  

Books and Records; Inspection Rights

   54

Section 5.07.

  

Compliance with Laws

   55

Section 5.08.

  

Use of Proceeds and Letters of Credit

   55

Section 5.09.

  

Additional Guarantors

   55

ARTICLE VI    NEGATIVE COVENANTS

   55

Section 6.01.

  

Indebtedness

   56

Section 6.02.

  

Liens

   56

Section 6.03.

  

Fundamental Changes

   57

Section 6.04.

  

Investments, Loans, Advances, Guarantees and Acquisitions

   58

Section 6.05.

  

Hedging Agreements

   59

Section 6.06.

  

Restricted Payments; Certain Payments of Indebtedness

   59

Section 6.07.

  

Disposition of Assets

   59

Section 6.08.

  

Transactions with Affiliates

   60

Section 6.09.

  

Restrictive Agreements

   60

Section 6.10.

  

Issuances of Capital Stock by Subsidiaries

   61

Section 6.11.

  

Subsidiary Borrower

   61

Section 6.12.

  

Fixed Charge Coverage Ratio

   61

Section 6.13.

  

Leverage Ratio

   61

Section 6.14.

  

Consolidated Net Worth

   61

Section 6.15.

  

Consolidated Capital Expenditures

   61

Section 6.16.

  

Minimum EBITDA

   61

ARTICLE VII    EVENTS OF DEFAULT

   61

ARTICLE VIII    THE ADMINISTRATIVE AGENT

   64

ARTICLE IX    GUARANTEE

   66

ARTICLE X    MISCELLANEOUS

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