Reformation Inc. – Credit Agreements Watch

from S-1 15 pages Amendment No. 1 to Credit and Guaranty Agreement, Dated as of June 17, 2026 (This “Amendment”), Among Lymi Inc., a Delaware Corporation (The “Borrower”), Ref Holdings, Inc. (“Holdings”), the Subsidiary Guarantors Party Hereto, the Revolving Lenders Party Hereto, the Initial Term Lenders Party Hereto, the 2026 Initial Term Lenders (As Defined Below), the 2026 Delayed Draw Term Lenders (As Defined Below) and Jpmorgan Chase Bank, N.A., as Administrative Agent (In Such Capacity, Including Any Successor Thereto, the “Administrative Agent”), as Collateral Agent (In Such Capacity, Including Any Successor Thereto, the “Collateral Agent”), as Issuing Bank and as Swingline Lender

from S-1 238 pages Certain Identified Information Has Been Excluded From the Exhibit Because It Is Both Not Material and Is the Type That the Registrant Treats as Private or Confidential. Such Information Has Been Marked With “[***]” to Indicate Where Omissions Have Been Made. Credit and Guaranty Agreement Dated as of May 2, 2024 Among Lymi Inc., as the Borrower, Ref Holdings, Inc., as Holdings, the Subsidiaries of the Borrower From Time to Time Party Hereto, the Financial Institutions Party Hereto, as the Lenders, Jpmorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent, Jpmorgan Chase Bank, N.A., Citibank, N.A., Morgan Stanley Senior Funding, Inc. and Royal Bank of Canada, Lead Arrangers and Lead Bookrunners