Ocean Bio-Chem, Inc. Watch

from 10-Q 17 pages *Doc11503000002302960300000009990000000* Business Loan Agreement

from 10-Q 11 pages Credit Agreement

from 8-K 4 pages Promissory Note Providing for the Sba Loan

from 10-Q 3 pages The Purpose of This Letter Is to Document an Agreement Between Ocean Bio-Chem, Inc. and Regions Bank Regarding Specific Terms and Conditions Relating to the Renewal of a $6,000,000 Line of Credit. the Terms Presented Below Will Supersede Any Conflicting Language in the Promissory Note (Note), Business Loan Agreement (Bla), and Commercial Security Agreement (Security Agreement), Each to Be Dated August 31, 2018. Capitalized Terms Not Defined in This Letter Will Have the Meanings Ascribed to Them in the Note, Bla, or the Security Agreement, as Applicable. All Documents ● Change in Ownership-Regions Agrees That a Change in Ownership of 25% or More Will Not Constitute an Event of Default. Instead, a Default Will Be Triggered in the Event That the Majority Shareholder’s Ownership Drops Below 50% of All Outstanding Shares. Business Loan Agreement

from 10-Q 3 pages Promissory Note, Dated August 31, 2018, Issued by the Company to Regions Bank in Connection With the Revolving Line of Credit Under the Business Loan Agreement (The "Promissory Note").

from 10-Q 8 pages Business Loan Agreement, Dated August 31, 2018, Between the Company and Regions Bank (The "Business Loan Agreement").

from 10-K 2 pages Letter, Dated December 20, 2017, From Regions Bank to the Company, Regarding Certain Terms of the Business Loan Agreement.

from 10-Q 3 pages The Purpose of This Letter Is to Document an Agreement Between Ocean Bio-Chem, Inc. and Regions Bank Regarding Specific Terms and Conditions Relating to the Renewal (And Increase Of) a $4,000,000 Line of Credit (Now $6,000,000). the Terms Presented Below Will Supersede Any Conflicting Language in the Promissory Note (Note), Business Loan Agreement (Bla), and Commercial Security Agreement (Security Agreement), Each to Be Dated August 31, 2017. Capitalized Terms Not Defined in This Letter Will Have the Meanings Ascribed to Them in the Note, Bla, or the Security Agreement, as Applicable. All Documents ● Any Usage of “Ocean Bio Chem Inc” in the Attached Documents Specifically References Your Company Which Has the Legal Name of “Ocean Bio-Chem, Inc.”. Promissory Note

from 10-Q 5 pages Promissory Note Principal Loan Date Maturity Bank/App Loan No Account Officer $6,000,000.00 08-31-2017 08-31-2018 01 00230296030000000999 0023029603 K9gp4 References in the Shaded Area Are for Lender’s Use Only and Do Not Limit the Applicability of This Document to Any Particular Loan or Item. Any Item About Containing “***” Has Been Omitted Due to Text Length Limitations

from 10-Q 16 pages Business Loan Agreement (Asset Based) Principal Loan Date Maturity Bank/App Loan No Account Officer $6,000,000.00 08-31-2017 08-31-2018 01 00230296030000000999 0023029603 K9gp4 References in the Shaded Area Are for Lender’s Use Only and Do Not Limit the Applicability of This Document to Any Particular Loan or Item. Any Item About Containing “***” Has Been Omitted Due to Text Length Limitations

from 10-K 4 pages November 17, 2016 Mr. Jeffrey Barocas Ocean Bio-Chem, Inc. 4041 S.W. 47 Ave. Ft. Lauderdale, Fl 33314 Dear Jeff

from 10-K 4 pages Regions Promissory Note Principal $4,000,000.00 Loan Date 11-17-2016 Maturity 08-31-2017 Bank/App 01 Loan No 00230296030000000999 Account 0023029603 Officer K9gp4 References in the Shaded Area Are for Lender’s Use Only and Do Not Limit the Applicability of This Document to Any Particular Loan or Item. Any Item Above Containing“***” Has Been Omitted Due to Text Length Limitations

from 10-K 15 pages Business Loan Agreement

from 10-K 8 pages Business Loan Agreement

from 10-K 1 page Exhibit J to Credit Agreement

from 10-K ~10 pages Irrevocable Letter of Credit 2002

from 10-K ~10 pages Irrevocable Letter Credit July 2002

from 10-K 1 page Amendment to Credit Agreement 2002

from 10-K ~50 pages Credit Agreement Dated July 2002