Crystal Rock Holdings, Inc. Watch

from 8-K 4 pages Third Amended and Restated Revolving Credit Note

from 10-Q 4 pages Second Amended and Restated Revolving Credit Note

from 10-Q 89 pages Second Amended and Restated Credit Agreement

from 8-K 2 pages December 21, 2012 via Electronic Mail Crystal Rock Holdings, Inc. 1050 Buckingham Street Watertown, Ct 06795 Attn: Bruce Macdonald Re: Waiver 1. Up to $3,000,000 of Subordinated Debt Repayment, Which Would Be a Breach of Section 10.8 of the Loan Agreement 2. the Mandatory Prepayment of the Term Loan Outlined in Section 4.3.2 (Excess Cash Flow Recapture) for the Fiscal Year Ended October 31, 2012

from 8-K 3 pages Bank of America, N.A., as Administrative Agent and Lender 777 Main Street Hartford, Connecticut 06115 Re: Amendment of Subordination and Pledge Agreement (I) Deleting “Section 12 of the Credit Agreement” From Paragraph A.5 Thereof and by Substituting Therefor “Section 11 of the Credit Agreement”; and (II) Deleting Paragraph B.1(d) Thereof in Its Entirety

from 8-K 109 pages Amended and Restated Credit Agreement Dated as of April 5, 2010 Among Vermont Pure Holdings, Ltd., Crystal Rock LLC, Crystal Rock Holdings, Inc., the Lenders Listed on Schedule 1 Hereto and Bank of America, N.A., as Administrative Agent

from 10-Q 4 pages Fourth Amendment Agreement

from 10-Q 8 pages Third Amendment Agreement

from 10-Q 7 pages Second Amendment Agreement

from 10-Q 7 pages First Amendment Agreement

from 10-Q ~5 pages Form of Revolving Credit Note Dated April 5, 2005

from 10-Q >50 pages Credit Agreement Date April 5, 2005

from 10-K ~5 pages Form of Amended and Restated Revolving Line of Credit Note

from 10-K ~5 pages Form of Amended and Restated Acquisition/Capital Line of Credit

from 10-K >50 pages Amended & Restated Loan and Security Agreement

from 10-Q ~10 pages Amendment No.2 Loan and Security Agreement

from 10-Q 1 page September 13, 2002 Mr. Bruce Macdonald, CFO Vermont Pure Holdings, Ltd Route 66 Catamount Industrial Park Randolph, Vt 05060 Re: Commercial Loan and Security Agreement Dated October 5, 2000 Dear Bruce: Reference Is Made to Section 1.1 (Jjj) of the Above-Referenced Commercial Loan and Security Agreement. as of This Date You, as CFO of the Borrower, Have Advised Webster Bank That You Would Be in Violation of the Debt Service Covenant for the Period Ended 7/31/02 as Set Forth in Section 6.17 and Defined in Section 1.1 (N) of the Above Referenced Agreement. Webster Bank Hereby Consents to a One Time Waiver of This Covenant. in Addition, Vermont Pure Holdings, Ltd $5,000,000 Working Capital Line of Credit Will Expire on 10/5/02. the Bank Has Approved a 120 Day Extension of This Facility. Sincerely, Webster Bank By:/S/ Carol Carver It's Vice President Acknowledged on This 13th Day of September, 2002. Vermont Pure Holdings, Ltd By:/S/ Bruce S. Macdoanld It's Chief Financial Officer

from 10-K ~10 pages Material contract

from 10-K ~50 pages Amend. Loan & Security - Webster Bank

from 10-K ~50 pages Loan and Security Agreement