The Andersons Inc. – Credit Agreements Watch

from 10-Q 34 pages Third Amendment to Amended and Restated Credit Agreement and Waiver Agreement

from 10-Q 16 pages Second Amendment to Amended and Restated Credit Agreement and Waiver Agreement Recitals

from 8-K 152 pages Amended and Restated Credit Agreement Dated as of March 20, 2026 Among the Andersons, Inc., the Lenders, U.S. Bank National Association, as Administrative Agent Bank of America, N.A., Truist Bank, Wells Fargo Bank, National Association, PNC Bank, National Association, Coöperatieve Rabobank U.A., New York Branch, Bank of Montreal and Bmo Bank N.A., as Co-Syndication Agents and U.S. Bank National Association, Farm Credit Mid-America, Pca, Bofa Securities, Inc., Truist Securities, Inc., Wells Fargo Securities, LLC, Bmo Capital Markets Corp., Bank of Montreal, PNC Capital Markets LLC, and Coöperatieve Rabobank U.A., New York Branch, as Joint Lead Arrangers and Joint Book Runners

from 10-Q 149 pages Third Amended and Restated Loan Agreement by and Between Scotiabank Asset Finance, a Division of the Bank of Nova Scotia as Administrative Agent and the Lenders That Are Signatories Hereto as Lenders and The Andersons Canada Limited as Borrower Dated: July 28, 2025

from 10-Q 141 pages Annex a to First Amendment to Amended and Restated Credit Agreement (Dated as of January 21, 2025) Amended and Restated Credit Agreement by and Among Skyland Grain, L.L.C., the Guarantors Party Hereto, the Lenders Party Hereto and Cobank, Acb, as Administrative Agent, Issuing Lender and Swing Line Lender Cobank, Acb and Farm Credit Mid-America, Pca, as Joint Lead Arrangers and Joint Bookrunners $300,000,000.00 Revolving Credit Facility $15,000,000.00 Revolving Term Credit Facility $67,000,000.00 Variable Rate Term Loan Facility $11,192,740.00 Fixed Rate Term Loan Facility $14,700,000.00 2025 Variable Rate Term Loan Facility Dated as of November 1, 2024

from 10-K 12 pages Sixth Amendment to Second Amended and Restated Loan Agreement and Consent Agreement This Agreement Made as of October 22, 2024 (The “Amendment Date”) Between: Scotiabank Asset Finance, a Division of the Bank of Nova Scotia (The “Administrative Agent”) -And - The Andersons Canada Limited (The “Borrower”) -And - Those Other Parties Which Are Obligors Pursuant to the Terms of the Loan Agreement (The “Obligors”) -And- The Lenders Identified in the Loan Agreement Which Are Signatories Herein

from 10-K 5 pages Second Amendment to Loan Agreement

from 8-K 155 pages Amended and Restated Credit Agreement by and Among Skyland Grain, L.L.C., the Guarantors Party Hereto, the Lenders Party Hereto and Cobank, Acb, as Administrative Agent, Issuing Lender and Swing Line Lender Cobank, Acb and Farm Credit Mid-America, Pca, as Joint Lead Arrangers and Joint Bookrunners $300,000,000.00 Revolving Credit Facility $15,000,000.00 Revolving Term Credit Facility $67,000,000.00 Variable Rate Term Loan Facility $11,192,740.00 Fixed Rate Term Loan Facility Dated as of November 1, 2024 Exhibits to the Agreement Below Have Been Redacted as They Are Both Not Material and Confidential

from 10-Q 146 pages **Changes Made to This Version of the Credit Agreement Reflect Revisions Made Only to Add Corra Loans and Update Sofr Loan Provisions and Revise Section 8.3** Second Amended and Restated Loan Agreement by and Between Scotiabank Asset Finance, a Division of the Bank of Nova Scotia as Administrative Agent and the Lenders That Are Signatories Hereto as Lenders and the Andersons Canada Limited as Borrower Dated: December 23, 2021

from 10-Q 125 pages Credit Agreement Dated as of January 11, 2019 Among the Andersons, Inc., the Lenders, U.S. Bank National Association, as Administrative Agent Bank of America, N.A., Fifth Third Bank, National Association, Truist Bank, Wells Fargo Bank, National Association, Bank of Montreal, and Bmo Harris Bank (As Successor in Interest to Bank of the West), as Co-Syndication Agents Citibank, N.A. and PNC Bank, National Association,

from 8-K 75 pages Term Loan Agreement Dated as of April 3, 2023 Among the Andersons, Inc., as the Borrower, Farm Credit Mid-America, Pca, as Administrative Agent, and the Lenders Party Hereto Farm Credit Mid-America, Pca, as Sole Lead Arranger and Sole Bookrunner

from 10-K 10 pages Third Amendment to Second Amended and Restated Loan Agreement

from 10-K 166 pages Second Amendment to Second Amended and Restated Loan Agreement

from 10-K 9 pages First Amendment to Second Amended and Restated Loan Agreement

from 10-K 141 pages Fourth Amendment to Credit Agreement

from 8-K 8 pages Incremental Revolving Loan Amendment to Credit Agreement

from 8-K 164 pages Credit Agreement Dated as of January 11, 2019 Among the Andersons, Inc., the Lenders, U.S. Bank National Association, as Administrative Agent Bank of America, N.A., Fifth Third Bank, National Association, Truist Bank, Wells Fargo Bank, National Association, Bank of Montreal, and Bank of the West, as Co-Syndication Agents Citibank, N.A. and PNC Bank, National Association, as Co-Documentation Agents and U.S. Bank National Association, Farm Credit Mid-America, Pca, Bofa Securities, Inc., Fifth Third Bank, National Association, Truist Securities, Inc., Wells Fargo Securities, LLC, Bmo Capital Markets Corp., and Bank of the West, as Joint Lead Arrangers and Joint Book Runners1

from 8-K 11 pages Incremental Term Loan Amendment to Credit Agreement

from 8-K 9 pages Incremental Term Loan Amendment to Credit Agreement

from 10-K 7 pages Amendment No. 4 to Credit Agreement