Nature's Sunshine Products, Inc. entered into an amendment to that loan and security agreement dated July 11, 2017 between the Company, as borrower, and Bank of America, N.A. Amendment No. 4 extends the maturity date of the Original Loan Agreement to June 1, 2027 and allows the Company to increase the credit commitment to $25,000,000 (up to three instances at a minimum of $5,000,000 each instance), subject to the Bank's internal credit approval each time. Amendment No.

4 does not modify the requirement in the Original Loan Agreement that provides for acceleration of payment upon Events of Default (as defined in the Original Loan Agreement). Amendment No. 4 amends the interest rate to use the greater of the BSBY Daily Floating Rate or the Index Floor plus 1.5 percentage points.

Among other changes to the Original Loan Agreement, Amendment No. 4 modifies terms related to flood insurance, banking days, successor rates, and electronic books and signatures.