exv10w16





Exhibit 10.16



TRANSLATION FROM SWEDISH FOR INFORMATION PURPOSES ONLY.



	 	 	 	 	 	 	 	 	 	 	 
	 	Handelsbanken	 	 	CONTRACT —
Factoring account (Fakturakonto) (credit — SEK)
	 
	 	Responsible officer
	 	Tel. no. (incl. area code)
	 	Branch no.	 	Credit no.	o New
	 	 
	 	 	 	 	 	 	 	þ
Change*
	 	Borrower	 	Name and address (must always be filled in)	Business org. no.
	 	 	 	Mobitec Aktiebolag	 	***
	 	 
	 	 	 	 	 	 	 	 
	 	 	 	Box 97	Tel. no. (incl. area code)



	 	 
	 	 	 	 	 	 	 	 
	 	 	 	524 21 Herrljunga	Fax no. (incl. area code)




	 	 	 	 
	 	 	 	E-mail	 	Contact person
	 	 	 	***	 	Kajsa Abelsson
	 	 	 	 	 
	 	Credit amount	 	With currency code and figures	 	 
	 	 	 	SEK 17,000,000	 	 
	 	 	 	 
	 	 	 	With currency code and in words	 	 
	 	 	 	SEK SEVENTEEN MILLION	 	 
	 	 	 	 	 
	 	Factoring limit	 	Factoring limit as a %	 	Maximum payment terms for invoices, no. of days
	 	 
	 	80	 	 	 	90	 	 
	 	 	 	 	 
	 	Credit period	 	From — until (inclusive)	 	Possible extension period (no. of months)
	 		 	 	 	 
	 	 
	 	2008 - 06 - 17 - 2008 - 12 - 31	 	12	 	 
	 	 	 	 	 
	 	Interest	 	Utilisation interest rate, currently % p.a.	 	Contract rate of interest, currently % p. a.
	 	
	 	7.00		 	 	.50	 	 
	 	 	 	 	 
	 	Interest due dates	 	Due dates for utilisation interest (month, day)



0331, 0630, 0930, 1231	 	(The contract rate of interest is based on the entire amount, and is debited in advance at the start of the credit period)
	 	 	 	 	 
	 	Fees
	 	Initial arrangement fee, SEK	Subscription fee,	 	Other fees	 	 
	 	 
	 	2,000.00	 	SEK/month	 	 	 	 
	 	 
	 		 	980.00	 	 	 	 
	 	 	 	 	 
	 	Invoices



	 	Estimated no. of invoices per year	 	Average payment period, no .of days
	 	 	 	 	 
	 	Separate
	 	The pledge limit could be changed
to 90% during certain periods.	 	 	 	 	 	 	 
	 	terms and
	 	 	 	 	 	 	 	 	 
	 	conditions
	 	 	 	 	 	 	 	 	 
	 	 	 	 	 




Svenska Handelsbanken hereby undertakes to provide the borrower with an open credit up to the
above-mentioned credit amount on the terms and conditions stated in this contract. During the
credit period, the borrower must observe the provisions of “General Terms and Conditions •
Factoring Account (Fakturakonto) (credit • SEK),
March 2005”. When the borrower’s right to utilise
the credit has ceased, the borrower is obliged to immediately pay its debt to the Bank in
accordance with this contract. Disbursement under the credit is conditional on the borrower
assigning customer receivables to the Bank as collateral. Application
for disbursement is to be
made to the Bank. This agreement has been drawn up in duplicate, with the borrower and the Bank
each taking a copy.



								
	 	 	 	 	 	 	 	 
	 	Signatures
	 	 	Place, date
	 	 	Place, date
	 	 
	 	 	Herrljunga, 20.06.2008
	 	 	2008, June 19
	 	 	 	 	 	 	 	 
	 	 
	 	 	Signature of borrower
	 	 	Bank’s signature
	 	 
	 	 	/s/ Agne Axelsson
	 	 	Svenska Handelsbanken AB (publ)
	 	 
	 	 	/s/ Oliver Wels
	 	 	/s/ Catarina Berntsson
	 	 
	 	 	 	 	 	/s/ Tommy Haggstrom
	 	 	 	 	 	 	 	 





					
	To be completed by the branch

Documents are in order

F118
	 	Date
	 	Initials

















 





			
	TRANSLATION FROM SWEDISH FOR INFORMATION PURPOSES ONLY


Handelsbanken
	 	Page 1 of 4






GENERAL
TERMS AND CONDITIONS for Factoring account [Fakturakonto] (credit – SEK), March 2005





	1.	 	Certain definitions
	 
	 	 	“The Bank” is Svenska Handelsbanken AB (publ).
	 
	 	 	“Factoring value” is the total gross amount outstanding at any
time of all assigned invoice claims with the exception of the
invoice claims stated in section 2 a)-f) and the invoice claims in
section 2 g)-i) to the extent that the Bank has excluded these
invoices from the factoring value.
	 
	 	 	“Factoring account” is the account with the Bank on which the
credit is booked.
	 
	 	 	“The Handelsbanken Group” is Svenska Handelsbanken
AB
(publ), including branches and wholly owned subsidiaries.
	 
	 	 	“Debt collection company” is Kredit-lnkasso AB, which is a
subsidiary in the Handelsbanken Group.
	 
	 	 	“Credit” is the open credit which the Bank provides to the
borrower pursuant to section 2 below.
	 
	 	 	A “buyer” is a recipient of the borrower’s invoices.
	 
	2.	 	Credit
	 
	 	 	On the terms and conditions stated in this contract, the Bank undertakes to provide the borrower
with an open credit up to the credit amount stated on the first page
of the contract. The
outstanding credit amount may, however, never exceed the factoring
limit stated on the first page
of the contract, which is based on the factoring value. If the outstanding credit amount on any
occasion exceeds the factoring limit, the borrower shall pay the excess amount pursuant to
section 12 below.
	 
	 	 	The factoring value includes all the invoice claims assigned by the borrower to the Bank, with
the exception of points a)-f) and g)-i) below, to the extent that the Bank has excluded
these from the factoring value.






	 	a)	 	invoice claims that refer to purchases on a sale-or-return
basis (or purchases where the buyer is otherwise entitled
to return the goods purchased), or sales on commission, or
conditional sales or cash on delivery sales;
	 
	 	b)	 	invoice claims for which a special certificate of claim has
been issued;
	 
	 	c)	 	invoice claims that do not correspond to a performance
carried out by the borrower,
	 
	 	d)	 	invoice claims for which;






	 	1)	 	the due date is not stated in the invoice,
	 
	 	2)	 	the due date falls later than the number of days
stated on the first page of the contract, calculated
from the invoice date,
	 
	 	3)	 	there are impediments to assignment or pledging of
the invoice claim,
	 
	 	4)	 	the buyer has the right of set-off due to a
counterclaim on the borrower, or the right to a
discount, or other deduction on the final sum of the
invoice in question than that stated on the invoice,
	 
	 	5)	 	in other respects, conditions are included which contravene the underlying contract between the buyer
and the borrower or this contract,
	 
	 	6)	 	a dispute exists between the borrower and the buyer
concerning the invoiced claim,
	 
	 	7)	 	there are invoice claims where the buyer is not
fulfilling its commitments or may be assumed
to risk
becoming insolvent,
	 
	 	8)	 	the due date was 30 days ago or more (see section 11).






	 	e)	 	invoice claims exist on a subsidiary or parent company or
other company with which the borrower has a substantial
economic community of interest or on companies whose
operations are leased by such companies or by persons
employed at such companies or by the borrower,
	 
	 	f)	 	invoice claims on a specific buyer, for the part where these
claims, at the time they are calculated, exceed 30% of the
borrower’s total outstanding invoice claims,
	 
	 	 	 	The Bank is entitled to exclude the following invoices from the factoring value:
	 
	 	g)	 	Invoice claims in a foreign currency not approved by the
Bank;
	 
	 	h)	 	invoice claims relating to a buyer in a country not approved
by the Bank;
	 
	 	i)	 	other invoice claims which the Bank does not consider that it
can accept as collateral,
for example claims or buyers which do not fulfil their commitments or which in the
assessment of the Bank can be assumed to risk becoming insolvent.






All
invoices, including those invoices which are not part of the factoring value, are however
transferred to the Bank as collateral for the borrower’s credit pursuant to section 15 below.








Sections 3-7 — the borrower’s obligations





	3.	 	Assignment and information text
	 
	 	 	The borrower is responsible for ensuring that all invoices arising in the borrower’s business
bear the assignment text as provided by the Bank. Credit invoices shall bear the information to
the buyer as stipulated by the Bank. The layout of invoices and credit invoices shall be
decided in consultation between the borrower and the Bank.
	 
	4.	 	Assignment document
	 
	 	 	At the same time as original invoices and credit invoices in the original are despatched to the
buyer, the borrower shall despatch to the Bank a completed assignment document as provided by
the Bank. On the assignment document, the borrower shall, inter alia, specify the total assigned
invoice amount, by stating the amount of new invoices (reduced by credit invoices where
applicable), and stating the total amount of the invoices which will not be included in the
factoring value, pursuant to section 2 a)-f) above. The borrower must specify the invoice
numbers included in the assignment on the assignment document. Invoice claims in another
currency than SEK must be stated in the original currency and must not be converted to SEK by
the borrower. If conversion has been carried out for a currency which the Bank cannot approve
pursuant to section 2 g) above, the Bank will exempt this invoice claim from the factoring
value.
	 
	5.	 	Responsibility for the accuracy of the factoring value
	 
	 	 	The borrower guarantees that no circumstances stated in
sections 2 a) - f) exist concerning the invoice claims included in the factoring value. Should
such circumstances nevertheless be present, the Bank is entitled to exempt these invoices from
the factoring value.
	 
	 	 	In this case, the Bank is entitled to immediately terminate the right of utilisation of the
credit or to terminate the credit in advance pursuant to section 24 below.
	 
	6.	 	Ledger booking
	 
	 	 	The borrower is obliged to regularly book invoices, credit invoices and payments received in
its ledger in a manner approved by the Bank. The borrower shall, without delay, issue credit
invoices for approved complaints and shall itself settle any other dealings with the buyer. A
form provided by the Bank including information for monthly reconciliation shall without prior
request be submitted to the Bank at the latest ten calendar days after the end of the previous
calendar month and otherwise when requested by the Bank, for the purposes of reconciling the
factoring value.
	 
	7.	 	Monthly reconciliation and responsibility for Information submitted
	 
	 	 	The borrower shall on the form for monthly reconciliation, at the latest ten calendar days
after the end of the previous calendar month, certify to the Bank:
	 






 

 








 





			
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Handelsbanken
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	 	•	 	that the borrower’s monthly reconcillation of the outstanding assigned invoice
claims is correct
	 
	 	•	 	that the prescribed assignment text pursuant to section 3
above is present on all invoices included in the amount of
“outstanding assigned invoice claims” In the monthly
reconciliation submitted
	 
	 	•	 	that any payments which have erroneously been paid
directly to the borrower, have, on the same day as the
borrower received the payment, been deposited to the
factoring account with the Bank and the borrower has
informed the Bank of these amount by fax, and in writing
informed the customers involved of how they should pay in
future.
	 
	 	•	 	that the borrower without delay by fax has informed the
Bank of any other deviations between the Bank’s and the
borrower’s balances arising during the reporting month
with respect to outstanding assigned invoice claims and
claims which are not eligible for factoring, such that the
Bank’s and the borrower’s balances, agree at all times.






At the request of the Bank, the borrower shall in writing state the reason for the difference
between the Bank’s and the borrower’s balances on outstanding assigned invoice claims. The
Bank’s balance is shown on the account statements which the Bank sends to the borrower.




The borrower shall send reminders to those buyers who do not pay their invoices in time. The
Bank is entitled at any time, at the expense of the borrower, to mate enquires to the borrower’s
buyers concerning assigned invoices.




The
borrower is responsible for all information supplied on the
forms provided by the Bank and on other documentation which
the borrower sends to the Bank being accurate and signed by
an authorised person. Stating incorrect information may lead to
the Bank immediately breaking off the right to utilise the credit
or prematurely cancelling the credit pursuant to section 24
below.








	8.	 	The Bank’s right of  insight
	 
	 	 	The Bank shall have a right of reasonable insight into the
borrower’s operations and, when
necessary, shall also be entitled to make an inspection at the
borrower’s concerning issues of
importance to the Bank in its capacity as lender and pledge-holder. The borrower shall also upon
request show that no circumstances mentioned in section 2 a)-f) exit relating to invoice
claims covered by this contract. The borrower must also provide the Bank with such material
(e.g. invoice copies) and take such action as the Bank considers necessary from the point of
view of control.
	 
	 	 	If, in the assessment of the Bank, the borrower does not
fulfill its obligations under this
contract, the Bank is entitled to perform ledger-booking, debt collection etc at the expense of
the borrower. In this case, the borrower shall pay service fees in the amounts and on the terms
applied by the Bank for this service at any time.
	 
	9.	 	Utilisation of the credit, etc.
	 
	 	 	Utilisation of the credit is granted by the Bank. The credit amount is provided on the
factoring account for which an agreement has been entered into.
	 
	 	 	The factoring account is credited with all amounts received as payment for invoice claims,
after deduction of costs, fees or claims accruing to the Bank/debt collection company. The
Bank is also entitled to charge the factoring account for such costs, fees or claims.
Alternatively, the Bank/debt collection company is entitled to send an invoice and/or
inform the borrower on the account statement and deduct the amount in question from incoming
payments.
	 
	 	 	Payments for invoice claims which come to the Bank are booked on the factoring account on the
next business day.



 A deposit to the factoring account of a foreign currency cheque drawn on
another bank is normally not available until the fifth business day after the day of
presentation. If the borrower, via the Bank, is advised that a payment relating to an assigned
invoice, shall be made to the borrower, the Bank will deposit the
payment to the factoring account regardless of what is stated in the payment order.
	 
	 	 	The borrower authorises the Bank to sign on behalf of the company cheques issued to the borrower
relating to payment of assigned invoice claims.
	 
	10.	 	Payment directly to the borrower
	 
	 	 	If payment for an invoice claim is paid directly to the borrower, the borrower shall
immediately transfer the amount or the countervalue in the currency of the credit to the
borrower’s factoring account with the Bank. The borrower shall simultaneously, on a form
provided by the Bank, inform the Bank by fax of this payment and in writing request the buyer
in future to pay in accordance with the instructions on the invoice. If the invoice is subject
to debt collection proceedings, the borrower shall also immediately inform the debt collection
company.
	 
	11.	 	Redemption and reversal of assignment
	 
	 	 	If, within 30 days calculated from the due date, the buyer has not made full payment for the
invoice claim against which credit has been granted, the borrower shall — irrespective of the
reason for non-payment — at the request of the Bank immediately redeem the claim by paying the
received credit amount after deduction of any amount of the claim which may have been paid to
the Bank. The Bank is entitled to remove claims from the factoring value which the buyer has not
paid within 30 days of the due date. However, the Bank’s
collateral in the claim remains.
	 
	 	 	Even before the expiry of this period and even if the buyer is not arrears with the payment,
the borrower is obliged, at the request of the Bank, to immediately redeem the invoice claim in
the manner prescribed if.






	 	   •	 	any circumstances apply which jeopardise payment of the
assigned invoice claim or
	 
	 	   •	 	an assigned invoice claim is as stated in sections 2 at)-1.






    The Bank is entitled at a time determined by the Bank to
reverse the assignment of the invoice claim against which the credit was
    provided.




	12.	 	Payment of overdrawn amount. etc.
	 
	 	 	If the debt on the factoring account exceeds the credit amount granted or an amount
corresponding to the factoring limit stated on the first page of the contract, the borrower
shall upon demand pay the difference. Such overdraft will also incur debit of separate interest
on the terms generally applied by the Bank at any time
	 
	13.	 	Debt collection
	 
	 	 	Debt collection measures shall be attended to by the debt
collection company. In case of
non-payment when the reminders have been sent out, the borrower must
send a copy of the invoice
to the debt collection company for debt collection unless otherwise agreed by the Bank.
	 
	 	 	The
Bank/debt collection company will then decide in consultation with the borrower which debt
collection measure to take. The Bank/debt collection company reserves the right not to take
debt collection action or any other action concerning an invoice for
a small amount or an
amount which is subject to complaint or dispute, or where the Bank/debt collection company does
not wish to take such action for any other reason.
	 
	 	 	If the Bank/debt collection company does not receive a reply from the borrower within the time
stipulated for inquiries concerning a debt collection matter, the Bank/debt collection company
is entitled to conclude
the matter with the debt collection company and debit all
costs for the debt collection matter to the borrower’s factoring
account. 
	 
	 	 	Collected funds are
booked on to the factoring account. The borrower is responsible for
all expenses which are not
paid by the buyer.
	 
	14.	 	Obligation of notification
	 
	 	 	If the buyer dispute the obligation to pay invoices or raises any other objections to invoices,
to the borrower or to the Bank/debt collection company, the party that has received such
notification shall immediately notify the other party of this. If the invoice is






 









 











			
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Handesbanken
	 	Page 3 of 4







 subject to debt collection proceedings, the borrower shall immediately inform the debt
collection company.




	15.	 	Pledging
	 
	 	 	The borrower hereby pledges to the Bank all invoice claims arising from its operations,
including such claims that the Bank has not approved or will not approve, as well as those
which may not be included in the factoring value, as collateral for all the obligations to the
Bank/Handelsbanken Group that the borrower has or may have in the future. The Bank/Handelsbanken
Group shall determine the order in which the obligations are to be settled out of the proceeds
of the collateral.
	 
	 	 	Concerning all assigned invoice claims, the borrower must fulfil its obligations to the buyers.
	 
	16.	 	Prohibition of assignment
	 
	 	 	As long as this contract applies, the borrower may not, without the Bank’s consent, enter into
agreements with other parties for the purchase and/or pledging of the borrower’s invoice
claims.
	 
	17.	 	Utilisation and contract interest
	 
	 	 	As stated on the first page, utilisation and contract interest are payable. These are
calculated according to the interest rates, and on the terms which the Bank applies to this
type of credit at any time. The interest rates which apply when this contract is drawn up are
stated on the first page of the contract.

	 
	 	 	
 Should the credit period not be extended, the contract
interest is still payable as long as a credit is outstanding under this contract, but it shall
then be calculated for the time and the amount which correspond to the outstanding
credit amount.
	 
	18.	 	Fees and costs
	 
	 	 	The borrower must pay fees in the amounts and according to the terms which the Bank applies at
any time as reimbursement for the Bank’s processing of the invoice claims under this contract.
The Bank is entitled to debit these fees to the borrower’s account monthly in arrears, or to
deduct them from the borrower’s incoming payments. The fees currently payable for services
provided by the Bank are shown on the first page of the contract and comprise:






	 	•	 	Opening fee
	 
	 	•	 	Subscription fee
	 
	 	•	 	Other services, see separate Supplementary price list -
Factoring services.






        The Bank will also charge the borrower fees for processing of incoming payments, etc.




	 	 	The Bank is entitled to amend the fees if circumstances have occurred which affect the cost of
services supplied by the Bank. When fees have been amended, the Bank must report this when
advices are sent to the borrower.

	 
	 	 	
The Bank and the debt collection company are
entitled to charge the borrower for the fees and costs applied by the Bank and debt collection
company at any time. Particulars of current fees are available from the Bank and the debt
collection company.
	 
	 	 	The borrower shall reimburse the Bank/debt collection company for the costs associated with
obtaining, maintaining and utilising the collateral agreed upon, as well as with the lodging of
proof and collection of the Bank’s claim on the borrower or on any other party liable for
payment thereof. For accrued and calculated future costs in connection with this, the Bank is
entitled to deduct from incoming payments an amount to cover such costs and expenses pending
final accounts. The Bank’s written payment reminders shall thus also be reimbursed.
	 
	19.	 	Penalty interest
	 
	 	 	If payment of principal, interest or fees is not effected when due, the borrower shall pay
separate annual penalty interest on the overdue amount until payment is made. On amounts not
overdue, the usual interest rate continues to apply. Penalty interest is calculated at the
utilisation interest rate applying to the credit, plus five percentage points or, when the
entire credit is due for repayment, one percentage point.
	 
	20.	 	Interest on credit balances
	 
	 	 	Interest on deposits can be agreed separately. Interest is calculated according to the interest
rate and on the terms applied by the Bank at any time for this factoring account. Accrued
interest is paid by the Bank depositing the amount to the account at the beginning of each
calendar year. In some cases, the Bank is obliged to withhold tax on the interest.
	 
	21.	 	Authorisation documents
	 
	 	 	The borrower shall submit documents to the Bank showing authorisation to utilise the factoring
account. A change in the authorisation cannot be invoked against the Bank until the borrower has
notified the Bank in writing of the change.
	 
	22.	 	Value-added tax
	 
	 	 	Value-added tax applying at any time is charged on all fees and costs where such taxes are
payable according to law.
	 
	23.	 	Exchange rate
	 
	 	 	The counter value in SEK of foreign currency amounts is calculated.






	 	•	 	for credit purposes at a rate determined by the Bank

	 
	 	•	 	for incoming payments, at the rate applied by the Bank on
the day conversion is made.






	24.	 	The Bank’s right to terminate the credit
	 
	 	 	The Bank may terminate the credit for payment immediately or at any time determined by the Bank
and suspend further utilisation of the credit, if any of the following circumstances should
apply:






	 	•	 	the borrower has failed to meet its obligations under this
contract or otherwise to the Bank,
	 
	 	•	 	the collateral for the credit or for other obligations of the borrower towards
the Bank is no longer satisfactory,
	 
	 	•	 	the borrower has overdrawn the factoring account in a
manner set out in section 12,
	 
	 	•	 	there is reasonable cause to assume that the borrower will not meet his payment
obligations to the Bank,






	25.	 	The obligation of the borrower to disclose information
	 
	 	 	The borrower is obliged to send an annual report to the Bank each year and in other respects to
provide the Bank with the information and documents concerning its financial situation as the
Bank considers necessary, and to allow a representative of the Bank to visit the borrower, and
in conjunction with this provide the representative with information and documents.
	 
	26.	 	Extension of the credit period, etc.
	 
	 	 	If the Bank grants an extension of the credit period and nothing is stated to the contrary in
that connection, the credit period will be extended by the number of months set out on page one
of the contract, each time such extension is granted. If the Bank does not grant extension of
the credit period, the Bank is entitled to close the factoring account. The borrower is always
entitled to request that the factoring account be closed and to decide when this is to be
effected. If the credit period is not extended, the parties’ rights and duties remain in effect
concerning the invoice claims which were covered by this contract before the expiry of the
credit period.
	 
	27.	 	Jurisdiction
	 
	 	 	This contract will be assessed and construed in accordance with Swedish law. Disputes arising
from this contract shall be heard in a competent Swedish court.
	 
	28.	 	Notices
	 
	 	 	The borrower shall immediately notify the Bank of any change of address. Letters regarding the
factoring account, sent by the Bank to the borrower, shall be deemed to have reached
the borrower not later than on the seventh day after despatch, if the letter has been sent to
the address set out in this contract, or which is otherwise known to the Bank. Notices sent by
fax shall be deemed to have reached the borrower immediately.

	 
	 	 	These provisions do not apply to
notices renewing periods of limitation.





 









 





			
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	29.	 	Limitation of the Bank’s/debt collection
company’s liability The Bank/debt
collection company shall not be held
responsible for any loss or other
inconvenience resulting from a breakdown in
operations or other interruptions in the computer systems used in carrying out a
specific service. The Bank/debt collection
company shall not be held responsible for
any loss or damage resulting from Swedish
or foreign legislation, actions by Swedish
or foreign public authorities, acts of war,
strikes, blockades, boycotts, lockouts or
other similar circumstances. The
reservation in respect of strikes,
blockades, boycotts or lockouts applies
even if the Bank/debt collection company
itself is subjected to such measures or
takes such measures.  
Any damage which
occurs in other circumstances shall not be
compensated by the Bank/debt collection
company, provided they have exercised
normal care. The Bank/debt collection
company shall in no case be liable for
indirect damage.  
Where a circumstance as
referred to in the first paragraph
prevents the Bank/debt collection company
from making a payment or taking other
measures, such payment or measures may be
postponed until the obstacle no longer
exists. In the event of a postponement of
payment, the Bank/debt collection company
shall, if it is committed to pay interest,
pay such interest at the interest rate
prevailing on the due date for the
postponed payment. Where the Bank/debt
collection company is not committed to pay
interest, the Bank shall not be obliged to
pay interest at a higher rate than the
prevailing reference rate of Sveriges
Riksbank pursuant to Section 9 of the
Swedish Interest Act (1975:635), plus two
percentage points.  
Where a circumstance as
referred to in the first paragraph
prevents the Bank/debt collection company
from receiving payments, the Bank/debt
collection company shall, as long as the
obstacle exists, be entitled to interest on
the terms prevailing on the due date of
the payment.