CREDIT AGREEMENT
NOBLE ROMANS INC
CREDIT AGREEMENT
THIS CREDIT AGREEMENT is entered into as of June 10, 2026,** by and among NOBLE ROMAN’S, INC.**, an Indiana corporation (“Borrower”), and LAKE FOREST BANK & TRUST COMPANY, N.A.,** a subsidiary of Wintrust Financial Corporation **(together with its successors and assigns, “Lender”).
WHEREAS, Borrower has requested, and Lender has agreed to provide, subject to the terms and conditions set forth in this Agreement, certain extensions of credit;
NOW, THEREFORE, in consideration of the mutual covenants and agreements herein contained, the parties hereto covenant and agree as follows:
ARTICLE I
DEFINITIONS AND ACCOUNTING TERMS
1.01.** Defined Terms**. As used in this Agreement, the following terms shall have the meanings set forth below:
“Affiliate” means, with respect to any Person, another Person that, directly or indirectly through one or more intermediaries, Controls or is Controlled by or is under common Control with the Person specified. “Control” means (a) the power to vote, or the beneficial ownership of 10% or more of the voting Equity Interests of such Person or (b) the possession, directly or indirectly, of the power to direct or cause the direction of the management or policies of a Person, whether through the ability to exercise voting power, by contract or otherwise. “Controlling” and “Controlled” have meanings correlative thereto.
“Agreement” means this Credit Agreement, as may be amended from time to time.
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