LIST OF CLOSING DOCUMENTS
RENEWAL AND MODIFICATION
LINE OF CREDIT
BANK OF AMERICA, N.A.
FLORIDA PUBLIC UTILITIES COMPANY
1. Second Amendment to Amended and Restated Loan Agreement.
2. Revolving Promissory Note.
3. Borrower's Certificate.
4. Out-of State Closing Affidavit.
5. Closing Statement/Funding Instruction Letter.
SECOND AMENDMENT TO AMENDED AND RESTATED LOAN AGREEMENT
This SECOND AMENDMENT TO AMENDED AND RESTATED LOAN AGREEMENT (this "
Amendment ") is dated as of March 21, 2008, is between FLORIDA PUBLIC UTILITIES COMPANY , a
Florida corporation (the " Company ") and BANK OF AMERICA, N.A. , a national banking association (the
" Lender "), and amends that certain Amended and Restated Loan Agreement (as previously amended, the "
Original Agreement "), dated October 29, 2004, between the Company and the Lender.
Section 1. Section 2.01(a) of the Original Agreement is amended to provide:
Establishment of Line of Credit . On the Closing Date, and upon fulfillment of the applicable
conditions set forth herein, the Lender shall establish in favor of the Company a revolving line of credit (the "
Revolving Line of Credit ") in the amount of the Availability. Subject to reduction as herein provided, the
Availability is $26,000,000.00. The Company shall be entitled to borrow, repay and reborrow funds from the
Lender in accordance with the terms hereof so long as the sum of (i) the total principal amount owed to the
Lender under the Revolving Line of Credit plus (ii) the Outstanding Letter of Credit Amount (as defined in
Section 2.01(e) ) does not exceed the Availability. This indebtedness shall be evidenced by a Revolving
Promissory Note (as amended, extended or renewed from time to time, the " Promissory Note ") of even date
herewith executed by the Company in favor of the Lender in the principal amount of up to $26,000,000. The
Promissory Note shall bear interest at the rate set forth therein and shall be p