SECOND AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT

SECOND AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT, dated as of July 30, 2026 (this “Amendment”), by and among Etsy, Inc., a Delaware corporation (the “Borrower”), the Lenders (as defined below) party hereto and JPMorgan Chase Bank, N.A., as administrative agent (the “Administrative Agent”).

W I T N E S S E T H:

WHEREAS, the Borrower, the other Loan Parties (as defined therein) from time to time party thereto, the lenders from time to time party thereto (the “Lenders”) and the Administrative Agent have entered into that certain Amended and Restated Credit Agreement, dated as of March 24, 2023 (as amended by the First Amendment to Amended and Restated Credit Agreement, dated as of June 2, 2025, and as further amended, restated, amended and restated, modified or supplemented from time to time through the date hereof, the “Credit Agreement”; capitalized terms not otherwise defined in this Amendment having the same meanings assigned thereto in the Credit Agreement);

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Exhibit 10.1

AMENDED AND RESTATED

EMPLOYMENT AGREEMENT

**THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT **(this "Agreement") is made this 30th day of July, 2026 by and among Lesaka Technologies, Inc., a Florida corporation ("Company") and Ali Mazanderani ("Mazanderani").  Each of the Company and Mazanderani is a "Party" and, collectively, they are the "Parties."

WHEREAS, the Company and Mazanderani are parties to that certain Employment Agreement, dated as of December 4, 2023 (the "Original Agreement"), pursuant to which Mazanderani has served as the Company's Executive Chairman since February 1, 2024;

WHEREAS, the Parties desire to amend and restate the Original Agreement in its entirety.

NOW, THEREFORE, in consideration of the foregoing and the mutual covenants and promises in this Agreement, the Parties agree as follows:

**1. **Employment.

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Exhibit 10.2

EMPLOYMENT AGREEMENT

between

LESAKA TECHNOLOGIES PROPRIETARY LIMITED
Registration number	2002/031446/07
Address	7 Parks Boulevard, Oxford Parks, Dunkeld, Johannesburg, 2196,
Attention	Lesaka Human Capital Department and Group CFO
Email address	xxx and xxx
Signature	/s/ Dan Smith \
Name of signatory	Dan Smith

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Execution Version

CREDIT AGREEMENT

dated as of July 27, 2026

among

A-AV MERGERSUB, INC.,

as the Initial Borrower,

AVANOS MEDICAL, INC.,

as the Borrower Representative,

A-AV ACQUIRECO, INC.,

as a Borrower,

A-AV INTERMEDIATECO, LP,

as Holdings

GOLUB CAPITAL MARKETS LLC,

as Term Loan Administrative Agent and Collateral Agent

ALLY BANK,

as Revolving Administrative Agent, the Swingline Lender and an L/C Issuer

and

THE OTHER LENDERS AND L/C ISSUERS PARTY HERETO

and

GOLUB CAPITAL MARKETS LLC,

ALLY BANK,

GUGGENHEIM CORPORATE FUNDING, LLC,

GOLDMAN SACHS PRIVATE CREDIT CORP., and

JEFFERIES CREDIT PARTNERS LLC,

as Joint Lead Arrangers and Joint Bookrunners

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TABLE OF CONTENTS

Page

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AMENDMENT TO EMPLOYMENT AGREEMENT

This is an amendment (the “Amendment”) to the Executive Employment Agreement dated May 12, 2023 (the “Agreement”) by and between Fulcrum Therapeutics, Inc. (the “Company”) and Alex Sapir (the “Executive”) (the Company and the Executive each a “Party” and together the “Parties”). This Amendment shall be effective on June 5, 2026 (the “Amendment EffectiveDate.”)

This Amendment supersedes any prior or contemporaneous agreement, communication or representation with, from or of the Company with respect to the terms described in this Amendment. Otherwise, with respect to all other terms, the Agreement remains in full force and effect. Capitalized but undefined terms in this Amendment are defined in the Agreement.

Executive’s Agreement is hereby amended as follows:

1.

A new Section 4(i) is hereby added to the Agreement, containing the following text:

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April 27, 2026 Alan Musso

Dear Alan,

This letter summarizes the terms of the transition agreement that Fulcrum Therapeutics, Inc., (the “Company”) is willing to offer as a result of your voluntary retirement from the Company. Please read this letter agreement (the “Letter Agreement”), which includes a general release, carefully. If you are willing to agree to its terms, please sign in the space provided below and return it to me..

1.

If you do not sign this Letter Agreement within 21 days from receipt as dated above, your employment with the Company will end effective 21 days from the date of this Letter Agreement (“the Transition Date”). You will be paid for time worked through the Transition Date.

2.

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AMENDMENT TO EMPLOYMENT AGREEMENT

This is an amendment (the “Amendment”) to the Executive Employment Agreement dated December 22, 2025 (the “Agreement”) by and between Fulcrum Therapeutics, Inc. (the “Company”) and Curt Oltmans (the “Executive”) (the Company and the Executive each a “Party” and together the “Parties”). This Amendment shall be effective on June 5, 2026 (the “AmendmentEffective Date.”)

This Amendment supersedes any prior or contemporaneous agreement, communication or representation with, from or of the Company with respect to the terms described in this Amendment. Otherwise, with respect to all other terms, the Agreement remains in full force and effect. Capitalized but undefined terms in this Amendment are defined in the Agreement.

Executive’s Agreement is hereby amended as follows:

1.

A new Section 4(h) is hereby added to the Agreement, containing the following text:

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AMENDMENT TO EMPLOYMENT AGREEMENT

This is an amendment (the “Amendment”) to the Executive Employment Agreement dated August 7, 2023 (the “Agreement”) by and between Fulcrum Therapeutics, Inc. (the “Company”) and Alan Musso (the “Executive”) (the Company and the Executive each a “Party” and together the “Parties”). This Amendment shall be effective on June 5, 2026 (the “Amendment EffectiveDate.”)

This Amendment supersedes any prior or contemporaneous agreement, communication or representation with, from or of the Company with respect to the terms described in this Amendment. Otherwise, with respect to all other terms, the Agreement remains in full force and effect. Capitalized but undefined terms in this Amendment are defined in the Agreement.

Executive’s Agreement is hereby amended as follows:

1.

A new Section 4(j) is hereby added to the Agreement, containing the following text:

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Exhibit 10.15(f)

Loan No. RX0024T6H

EIGHTH AMENDMENT TO

PROMISSORY NOTE AND SUPPLEMENT

(Revolving Term Loan)

THIS EIGHTH AMENDMENT TO PROMISSORY NOTE AND SUPPLEMENT(this “Amendment”), is entered into as of May 15, 2026, between TIDEWATER UTILITIES, INC., a Delaware corporation (the “Company”), and CoBANK, ACB, a federally chartered instrumentality of the United States (“CoBank”).

BACKGROUND

The Company and CoBank are parties to a Promissory Note and Supplement (Revolving Term Loan Supplement) dated as of March 19, 2009, and number RX0024T6, as amended by a First Amendment to Promissory Note and Supplement dated as of August 31, 2011, a Second Amendment to Promissory Note and Supplement dated as of October 15, 2014, a Third Amendment to Promissory Note and Supplement dated as of March 7, 2017, a Fourth Amendment to Promissory Note and Supplement dated as of August 19, 2020, an Omnibus Amendment to Promissory Notes and Supplements dated as of December 6, 2022, a Sixth Amendment to Promissory Note and Supplement dated as of May 11, 2023, and a Seventh Amendment to Promissory Note

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MIDDLESEX WATER COMPANY

NOTE

RELATING TO:

THE WATER BANK CONSTRUCTION FINANCING PROGRAM

OF THE NEW JERSEY INFRASTRUCTURE BANK

$17,800,000                    June 18, 2026

NJWB - CFP-26-1

    FOR VALUE RECEIVED, MIDDLESEX WATER COMPANY, a corporation duly created and validly existing pursuant to the laws of the State (as hereinafter defined), and its successors and assigns (the “Borrower”), hereby promises to pay to the order of the NEW JERSEY INFRASTRUCTURE BANK, a public body corporate and politic with corporate succession, duly created and validly existing under and by virtue of the Act (as hereinafter defined) (the “I-Bank”), the Principal (as hereinafter defined), together with all unpaid accrued Interest (as hereinafter defined), fees, late charges and other sums due hereunder, if any, in lawful money of the United States of America, on the Maturity Date (as hereinafter defined) or the date of any optional prepayment or acceleration in accordance with the provisions of this note (this “Note”); provided, however, that portions of the Interest may be due and payable earlier

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Exhibit 10.24 (g)

AMENDMENT NO. 6 TO UNCOMMITTED LOAN AGREEMENT

This Amendment No. 6(this “Amendment”) dated as of July 24, 2026 is between Bank of America, N.A. (the “Bank”) and Middlesex Water Company, a New Jersey corporation, Tidewater Utilities, Inc., a Delaware corporation, White Marsh Environmental Systems, Inc., a Delaware corporation, Middlesex Water Maryland, Inc., a Maryland corporation, Utility Service Affiliates, Inc., a New Jersey corporation and Utility Service Affiliates (Perth Amboy) Inc., a New Jersey corporation (individually and collectively, the “Borrower”).

RECITALS

A. The Bank and the Borrower entered into a certain Uncommitted Loan Agreement dated as of January 28, 2021 (together with any previous amendments, the “Agreement”).

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Loan No. RX0024T12

PROMISSORY NOTE AND SUPPLEMENT

(Single Advance Term Loan)

    THIS PROMISSORY NOTE AND SUPPLEMENT(this “Promissory Note and Supplement”) is entered into as of June 5, 2026 between TIDEWATER UTILITIES, INC.,a Delaware corporation (the “Company”), and CoBANK, ACB, a federally chartered instrumentality of the United States (“CoBank”), and supplements that certain Master Loan Agreement dated as of May 23, 2003, as amended by the Amendment dated as of September 28, 2004, the Second Amendment to Master Loan Agreement dated as of August 22, 2005 and the Third Amendment to Master Loan Agreement dated as December 1, 2015 (as further amended or restated from time to time, the “MLA”). Capitalized terms used herein and not defined herein shall have the meanings given to those terms in the MLA.

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