EPAM Systems Inc. Watch

from 8-K 153 pages $700,000,000 Revolving Credit Facility Amended and Restated Credit Agreement by and Among EPAM Systems, Inc., as Borrower, and the Guarantors Party Hereto and the Lenders Party Hereto and PNC Bank, National Association, as Administrative Agent, Swingline Loan Lender and Issuing Lender PNC Capital Markets LLC, as Joint Lead Arranger and Sole Bookrunner Citibank, N.A., as a Co-Syndication Agent and Joint Lead Arranger Wells Fargo Bank, National Association, as a Co-Syndication Agent and Joint Lead Arranger and Santander Bank, N.A. as Documentation Agent Dated as of October 21, 2021

from 10-K 9 pages Second Amendment to Credit Agreement

from 10-K 10 pages First Amendment to Credit Agreement

from 8-K 19 pages $300,000,000.00 Revolving Credit Facility Credit Agreement by and Among EPAM Systems, Inc., as Borrower, the Guarantors Party Hereto, the Lenders Party Hereto, PNC Bank, National Association, as Administrative Agent, Swing Loan Lender and Issuing Lender, PNC Capital Markets LLC, as Lead Arranger and Bookrunner, Citibank, N.A., as a Co-Syndication Agent, Wells Fargo Bank, National Association, as a Co-Syndication Agent, and Fifth Third Bank, as Documentation Agent Dated as of May 24, 2017

from 8-K 112 pages $100,000,000.00 Revolving Credit Facility Credit Agreement by and Among EPAM Systems, Inc., as Borrower, and the Guarantors Party Hereto, and the Lenders Party Hereto and PNC Bank, National Association, as Administrative Agent, PNC Capital Markets LLC, as Lead Arranger and Bookrunner Santander Bank, N.A., as Syndication Agent Dated as of September 12, 2014

from 10-K 11 pages This Security Agreement (This “Agreement”), Dated as of This 15th Day of January, 2013, Is Made by EPAM Systems, Inc., a Delaware Corporation, EPAM Systems, LLC, a New Jersey Limited Liability Company and Vested Development, Inc., a Delaware Corporation (Collectively and Individually, the “Grantor”), Each With an Address at 41 University Drive, Suite 202, Newton, Pa 18940, in Favor of PNC Bank, National Association (The “Bank”), With an Address at Two Tower Center Boulevard, East Brunswick, Nj 08816. Terms Capitalized but Not Defined Herein Shall Have the Meaning Given to Such Terms in the Credit Agreement Between EPAM Systems, Inc. and the Bank Dated as of the Date Hereof (As Amended, Restated or Otherwise Modified, the “Credit Agreement”). Under the Terms Hereof, the Bank Desires to Obtain and the Grantor Desires to Grant the Bank Security for All of the Secured Obligations (As Hereinafter Defined). Now, Therefore, the Grantor and the Bank, Intending to Be Legally Bound, Hereby Agree as Follows: 1. Definitions

from 10-K 89 pages $40,000,000 Revolving Credit Facility Credit Agreement by and Among EPAM Systems Inc., as Borrower, the Guarantors Party Hereto, and PNC Bank, National Association, as Lender Dated: As of January 15, 2013

from S-1/A 8 pages Execution Version Second Amended and Restated Committed Line of Credit Note (Multi-Rate Options) $30,000,000.00 July 25, 2011

from S-1/A 11 pages Background

from S-1 7 pages Amended and Restated Committed Line of Credit Note (Multi-Rate Options) $15,000,000.00 September 30, 2010

from S-1 4 pages Background

from S-1 8 pages This Security Agreement (This “Agreement”), Dated as of the 22nd Day of November, 2006, Is Made by EPAM Systems, Inc. (The “Grantor”), With an Address at 989 Lenox Drive, Suite 305, Lawrenceville, New Jersey 08648, in Favor of PNC Bank, National Association (The “Bank”), With an Address at Two Tower Center Boulevard, East Brunswick, New Jersey 08816. Pursuant to That Certain Letter Agreement Between Grantor, as Borrower, and the Bank, as Lender, Dated as of the Date Hereof (The “Letter Agreement”), the Bank Has Agreed to Extend to Borrower a Line of Credit in the Principal Amount of Up to $7,000,000.00 (The “Loan”). Under the Terms Hereof, the Bank Desires to Obtain and the Grantor Desires to Grant the Bank Security for All of the Obligations (As Hereinafter Defined). Now, Therefore, the Grantor and the Bank, Intending to Be Legally Bound, Hereby Agree as Follows: 1. Definitions. (A) “Collateral” Shall Mean All of Borrower’s United States Accounts Receivables Pursuant to Section 5 of the Letter Agreement, the German Receivables (As Defined in the Letter Agreement) and All Proceeds Thereunder

from S-1 10 pages November 22, 2006 Ilya Cantor, Vice President, Chief Financial Officer EPAM Systems, Inc. 989 Lenox Drive, Suite 305 Lawrenceville, Nj 08648 Re: $7,000,000.00 Committed Line of Credit Dear Ilya