Document:

Exhibit
10.1

 

THIRTEENTH
AMENDMENT

TO

LOAN AND SECURITY AGREEMENT

 

THIS THIRTEENTH AMENDMENT to Loan and Security Agreement (this “Amendment”)
is entered into as of this 29th day of June, 2009, by and between SILICON
VALLEY BANK (“Bank”) and XPLORE TECHNOLOGIES CORPORATION OF AMERICA, a Delaware
corporation (“Borrower”) whose address is 14000 Summit Drive, Suite 900,
Austin, Texas 78728.

 

RECITALS

 

A.                                    Bank
and Borrower have entered into that certain Loan and Security Agreement dated
as of September 15, 2005, as amended by that certain First Amendment to
Loan and Security Agreement by and between Bank and Borrower dated as of November 28,
2005, that certain Letter amending Loan and Security Agreement by and between
Bank and Borrower dated as of March 30, 2006, that certain Second
Amendment to Loan and Security Agreement by and between Bank and Borrower dated
as of May 15, 2006, that certain Third Amendment to Loan and Security
Agreement by and between Bank and Borrower dated as of February 28, 2007,
that certain Fourth Amendment to Loan and Security Agreement by and between
Bank and Borrower dated as of March 28, 2008, that certain Fifth Amendment
to Loan and Security Agreement by and between Bank and Borrower dated as of May 27,
2008, that certain Sixth Amendment to Loan and Security Agreement by and
between Bank and Borrower dated as of August 6, 2008, that certain Seventh
Amendment to Loan and Security Agreement by and between Bank and Borrower dated
as of August 29, 2008, that certain Eighth Amendment to Loan and Security
Agreement by and between Bank and Borrower dated as of September 30, 2008,
that certain Ninth Amendment to Loan and Security Agreement by and between Bank
and Borrower dated as of March 30, 2009, that certain Tenth Amendment to
Loan and Security Agreement by and between Bank and Borrower dated as of April 10,
2009, that certain Eleventh Amendment to Loan and Security Agreement between
Bank and Borrower dated as of April 24, 2009 and that certain Twelfth
Amendment to Loan and Security Agreement between Bank and Borrower dated as of May 29,
2009 (as the same may from time to time be further amended, modified,
supplemented or restated, the “Loan Agreement”).

 

B.                                    Bank
has extended credit to Borrower for the purposes permitted in the Loan
Agreement.

 

C.                                    Borrower
has requested that Bank amend the Loan Agreement to extend the maturity date.

 

D.                                    Bank
has agreed to so amend certain provisions of the Loan Agreement, but only to
the extent, in accordance with the terms, subject to the conditions and in reliance
upon the representations and warranties set forth below.

 

AGREEMENT

 

NOW,
THEREFORE, in
consideration of the foregoing recitals and other good and valuable
consideration, the receipt and adequacy of which is hereby acknowledged, and
intending to be legally bound, the parties hereto agree as follows:

 

1.                                      Definitions. 
Capitalized terms used but not defined in this Amendment shall have the
meanings given to them in the Loan Agreement.

 

2.                                      Amendments to Loan Agreement.

 

2.1                               Schedule Section 9
(MATURITY DATE (Section 6.1)). 
The Maturity Date in Section 9 of the Schedule to the Loan
Agreement is amended in its entirety and replaced with the following:

 

 

“July 14, 2009”

 

3.                                      Limitation of Amendments.

 

3.1                               The amendment set forth in Section 2 is effective for the purposes set forth
herein and shall be limited precisely as written and shall not be deemed to (a) be
a consent to any amendment, waiver or modification of any other term or
condition of any Loan Document, or (b) otherwise prejudice any right or remedy
which Bank may now have or may have in the future under or in connection with
any Loan Document.

 

3.2                               This Amendment shall be construed in
connection with and as part of the Loan Documents and all terms, conditions,
representations, warranties, covenants and agreements set forth in the Loan
Documents, except as herein amended, are hereby ratified and confirmed and
shall remain in full force and effect.

 

4.                                      Representations and Warranties. 
To induce Bank to enter into this Amendment, Borrower hereby represents
and warrants to Bank as follows:

 

4.1                               Immediately after giving effect to this
Amendment (a) the representations and warranties contained in the Loan
Documents are true, accurate and complete in all material respects as of the
date hereof (except to the extent such representations and warranties relate to
an earlier date, in which case they are true and correct as of such date), and (b) no
Event of Default has occurred and is continuing;

 

4.2                               Borrower has the power and authority to
execute and deliver this Amendment and to perform its obligations under the
Loan Agreement, as amended by this Amendment;

 

4.3                               The organizational documents of Borrower
delivered to Bank with the Sixth Amendment to Loan and Security Agreement remain
true, accurate and complete and have not been amended, supplemented or restated
and are and continue to be in full force and effect;

 

4.4                               The execution and delivery by Borrower of
this Amendment and the performance by Borrower of its obligations under the
Loan Agreement, as amended by this Amendment, have been duly authorized;

 

4.5                               The execution and delivery by Borrower of
this Amendment and the performance by Borrower of its obligations under the
Loan Agreement, as amended by this Amendment, do not and will not contravene (a) any
law or regulation binding on or affecting Borrower, (b) any contractual
restriction with a Person binding on Borrower, (c) any order, judgment or
decree of any court or other governmental or public body or authority, or
subdivision thereof, binding on Borrower, or (d) the organizational
documents of Borrower;

 

4.6                               The execution and delivery by Borrower of
this Amendment and the performance by Borrower of its obligations under the
Loan Agreement, as amended by this Amendment, do not require any order, consent,
approval, license, authorization or validation of, or filing, recording or
registration with, or exemption by any governmental or public body or
authority, or subdivision thereof, binding on either Borrower, except as
already has been obtained or made; and

 

4.7                               This Amendment has been duly executed and
delivered by Borrower and is the binding obligation of Borrower, enforceable
against Borrower in accordance with its terms, except as such enforceability
may be limited by bankruptcy, insolvency, reorganization, liquidation,
moratorium or other similar laws of general application and equitable
principles relating to or affecting creditors’ rights.

 

5.                                      Counterparts. 
This Amendment may be executed in any number of counterparts and all of
such counterparts taken together shall be deemed to constitute one and the same
instrument.

 

2

 

6.                                      Effectiveness. 
This Amendment shall be deemed effective upon the due execution and
delivery to Bank of this Amendment by each party hereto.

 

[Signature page follows.]

 

3

 

IN
WITNESS WHEREOF,
the parties hereto have caused this Amendment to be duly executed and delivered
as of the date first written above.

 

	
  BANK  

  	
  BORROWER  

  
	
   

  	
   

  
	
  Silicon Valley Bank  

  	
  XPLORE TECHNOLOGIES  CORPORATION OF AMERICA  

  
	
   

  	
   

  
	
  By:

  	
  /s/ Tom Makowski  

  	
   

  	
  By:

  	
  /s/ Michael J. Rapisand  

  
	
  Name:

  	
  Tom Makowski  

  	
  Name:

  	
  Michael J. Rapisand  

  
	
  Title:

  	
  Relationship Manager

  	
  Title:

  	
  Chief Financial OfficerEXHIBIT 10.3

 

PROMISSORY NOTE

 

	
  Principal

  	
   

  	
  Loan Date

  	
   

  	
  Maturity

  	
   

  	
  Loan No

  	
   

  	
  Call / Coll

  	
   

  	
  Account

  	
   

  	
  Officer

  	
   

  	
  Initials

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  $15,000,000.00

  	
   

  	
  06-26-2009

  	
   

  	
  08-01-2010

  	
   

  	
   

  	
   

  	
  4A0 / 9215

  	
   

  	
   

  	
   

  	
  PMF01

  	
   

  	
   

  	
   

  

 

References in the boxes above are for Lender’s use only and do not limit
the applicability of this document to any particular loan or item.

 

Any item above containing “***” has been omitted due to text length
limitations.

 

	
  Borrower:

  	
   

  	
  STARTEK,
  INC.

  STARTEK USA, INC.

  STARTEK CANADA SERVICES, LTD.

  44 COOK ST., SUITE 400

  DENVER, CO 80206

  	
   

  	
  Lender:

  	
   

  	
  UMB BANK
  COLORADO, n.a.

  DOWNTOWN DENVER BANKING CENTER

  1670 BROADWAY

  DENVER, CO
  80202-4838

  (303) 839-1300

  

 

	
  Principal
  Amount: $15,000,000.00

  	
   

  	
  Date of Note: June 26, 2009

  

 

PROMISE TO
PAY.  STARTEK, INC.; STARTEK USA, INC. and
STARTEK CANADA SERVICES, LTD. (“Borrower”) jointly and severally promise to pay
to UMB BANK COLORADO, n.a. (“Lender”), or order, in lawful money of the United
States of America, the principal amount of Fifteen Million & 00/100
Dollars ($15,000,000.00) or so much as may be outstanding, together with
interest on the unpaid outstanding principal balance of each advance.  Interest shall be calculated from the date of
each advance until repayment of each advance.

 

PAYMENT.  Borrower will pay this loan in one payment of
all outstanding principal plus all accrued unpaid interest on August 1,
2010.  In addition, Borrower will pay
regular monthly payments of all accrued unpaid interest due as of each payment
date, beginning August 1, 2009, with all subsequent interest payments to
be due on the same day of each month after that.  Unless otherwise agreed or required by
applicable law, payments will be applied first to any accrued unpaid interest;
then to principal; then to any late charges; and then to any unpaid collection
costs.  Borrower will pay Lender at
Lender’s address shown above or at such other place as Lender may designate in
writing.

 

VARIABLE
INTEREST RATE.  The interest rate on this Note is subject to
change from time to time based on changes in an independent index which is the LIBOR
rate as the index rate.

 

The Borrower at the time of
request of an advance under this Note shall have the option of the following
interest rate(s):

 

The Thirty (30) Day LIBOR
Index plus 175 basis points adjusted daily to the index on the advanced amount.

 

A
Sixty (60)  Day LIBOR Index plus 175
basis points on the advanced amount.  No
payment or prepayment of an advance bearing interest at the foregoing rate may
be made on any date other than the last day of the applicable interest period.

 

A Ninety (90) Day LIBOR Index
plus 175 basis points on the advanced amount. 
No payment or prepayment of an advance bearing interest at the foregoing
rate may be made on any date other than the last day of the applicable interest
period.

 

The interest rate options set
forth above that are based on the Sixty (60) Day LIBOR and the Ninety (90) Day
LIBOR may not be selected if the applicable interest period would extend beyond
the maturity date set forth in the Note.

 

(the “Index”).  The Index is not necessarily the lowest rate
charged by Lender on its loans.  If the
Index becomes unavailable during the term of this loan, Lender may designate a
substitute index after notifying Borrower. 
Lender will tell Borrower the current Index rate upon Borrower’s
request.  The interest rate change will
not occur more often than each DAY. 
Borrower understands that Lender may make loans based on other rates as
well. 
The Index currently is 0.368% per annum.  The interest rate to be applied to the unpaid
principal balance of this Note will be calculated as described in the “INTEREST
CALCULATION METHOD” paragraph using a rate of 1.750 percentage points over the
Index, adjusted if necessary for any minimum and maximum rate limitations
described below, resulting in an initial rate of 3.250% per annum based on a
year of 360 days.  NOTICE:  Under no circumstances will the interest rate
on this Note be less than 3.250% per annum or more than the maximum rate
allowed by applicable law.

 

INTEREST
CALCULATION METHOD.  Interest on this
Note is computed on a 365/360 basis; that is, by applying the ratio of the
interest rate over a year of 360 days, multiplied by the outstanding principal
balance, multiplied by the actual number of days the principal balance is
outstanding.  All interest payable under
this Note is computed using this method. 
This calculation method results in a higher effective interest rate than
the numeric interest rate stated in this Note.

 

PREPAYMENT. 
Borrower agrees that all loan fees and other prepaid finance charges are
earned fully as of the date of the loan and will not be subject to refund upon
early payment (whether voluntary or as a result of default), except as
otherwise required by law.   Except for
the foregoing, Borrower may pay without penalty all or a portion of the amount
owed earlier than it is due.  Early
payments will not, unless agreed to by Lender in writing, relieve Borrower of
Borrower’s obligation to continue to make payments of accrued unpaid
interest.  Rather, early payments will reduce
the principal balance due.  Borrower
agrees not to send Lender payments marked “paid in full”, “without recourse”,
or similar language.  If Borrower sends
such a payment, Lender may accept it without losing any of Lender’s rights
under this Note, and Borrower will remain obligated to pay any further amount
owed to Lender.  All written
communications concerning disputed amounts, including any check or other
payment instrument that indicates that the payment constitutes “payment in full”
of the amount owed or that is tendered with other conditions or limitations or
as full satisfaction of a disputed amount must be mailed or delivered to:  UMB BANK COLORADO, n.a.; DOWNTOWN DENVER
BANKING CENTER; 1670 BROADWAY; DENVER, CO 
80202-4838.

 

LATE CHARGE.  If a
payment is 30 days or more late, Borrower will be charged 10.000% of the regularly scheduled payment or $50.00,
whichever is less.

 

INTEREST
AFTER DEFAULT.  Upon default, including failure to pay upon
final maturity, the interest rate on this Note shall be increased by adding a
2.000 percentage point margin (“Default Rate Margin”).  The Default Rate Margin shall also apply to
each succeeding interest rate change that would have applied had there been no
default.  However, in no event will the
interest rate exceed the maximum interest rate limitations under applicable
law.

 

DEFAULT.  Each
of the following shall constitute an event of default (“Event of Default”)
under this Note:

 

Payment Default.  Borrower fails to make any
payment when due under this Note following the expiration of applicable cure
periods, if any.

 

Other Defaults.  Borrower fails to comply with or
to perform any other term, obligation, covenant or condition contained in this
Note or in any of the related documents or to comply with or to perform any
term, obligation, covenant or condition contained in any other agreement
between Lender and Borrower following the expiration of thirty (30) days after
written notice of such default is provided by Lender to Borrower.

 

False Statements.  Any warranty, representation or
statement made or furnished to Lender by Borrower or on Borrower’s behalf under
this Note or the related documents is false or misleading in any material
respect, either now or at the time made or furnished or becomes false or
misleading at any time thereafter.

 

Insolvency.  The dissolution or termination
of Borrower’s existence as a going business, the insolvency of Borrower, the
appointment of a receiver for any part of Borrower’s property, any assignment
for the benefit of creditors, any type of creditor workout, or the commencement
of any proceeding under any bankruptcy or insolvency laws by or against
Borrower.

 

Creditor or Forfeiture Proceedings. 
Commencement of foreclosure or forfeiture proceedings, whether by
judicial proceeding, self-help, repossession or any other method, by any
creditor of Borrower or by any governmental agency against any collateral
securing the loan.  This includes a
garnishment of any of Borrower’s accounts, including deposit accounts, with
Lender.  However, this Event of Default
shall not apply if there is a good faith dispute by Borrower as to the validity
or reasonableness of the claim which is the basis of the creditor or forfeiture
proceeding and if Borrower gives Lender written notice of the creditor or
forfeiture proceeding and deposits with Lender monies or a surety bond for the
creditor or forfeiture proceeding, in an amount determined by Lender, in its
sole discretion, as being an adequate reserve or bond for the dispute.

 

Change In Ownership.  Any person becomes the
beneficial owner of more than fifty percent (50%) of the common stock of
Borrower.

 

Adverse Change.  A material adverse change occurs
in Borrower’s financial condition, or Lender believes the prospect of payment
or performance of this Note is impaired.

 

LENDER’S
RIGHTS.  Upon default, Lender may declare the entire
unpaid principal balance under this Note and all accrued unpaid interest
immediately 

 

 

due, and then Borrower will
pay that amount.

 

ATTORNEYS’
FEES; EXPENSES.  Lender may hire or pay someone else to help
collect this Note if Borrower does not pay. 
Borrower will pay Lender the reasonable costs of such collection.  This includes, subject to any limits under
applicable law, Lender’s attorneys’ fees and Lender’s legal expenses, whether
or not there is a lawsuit, including without limitation attorneys’ fees and
legal expenses for bankruptcy proceedings (including efforts to modify or
vacate any automatic stay or injunction), and appeals.  If not prohibited by applicable law, Borrower
also will pay any court costs, in addition to all other sums provided by law.

 

JURY
WAIVER.  Lender and Borrower hereby waive
the right to any jury trial in any action, proceeding, or counterclaim brought
by either Lender or Borrower against the other.

 

GOVERNING
LAW.  This Note will be governed by
federal law applicable to Lender and, to the extent not preempted by federal
law, the laws of the State of Colorado without regard to its conflicts of law
provisions.  This Note has been accepted
by Lender in the State of Colorado.

 

CHOICE OF
VENUE.  If there is a lawsuit, Borrower agrees upon
Lender’s request to submit to the jurisdiction of the courts of DENVER County,
State of Colorado.

 

DISHONORED
ITEM FEE.  Borrower will pay a fee to Lender of $25.00
if Borrower makes a payment on Borrower’s loan and the check or preauthorized
charge with which Borrower pays is later dishonored.

 

RIGHT OF
SETOFF.  To the extent permitted by applicable law,
Lender reserves a right of setoff in all Borrower’s accounts with Lender
(whether checking, savings, or some other account).  This includes all accounts Borrower holds
jointly with someone else and all accounts Borrower may open in the
future.  However, this does not include
any IRA or Keogh accounts, or any trust accounts for which setoff would be
prohibited by law.  Borrower authorizes
Lender, to the extent permitted by applicable law, to charge or setoff all sums
owing on the indebtedness against any and all such accounts, and, at Lender’s
option, to administratively freeze all such accounts to allow Lender to protect
Lender’s charge and setoff rights provided in this paragraph.

 

COLLATERAL. 
Borrower acknowledges this Note is secured by ACCOUNTS RECEIVABLE AND
GENERAL INTANGIBLES AS FURTHER DESCRIBED IN SECURITY AGREEMENT DATED JUNE 26,
2009;  DEEDS OF TRUST DATED JUNE 26, 2009
ON PROPERTIES LEGALLY DESCRIBED THEREIN COMMONLY KNOWN AS 244 DUNDEE AVENUE,
GREELEY, COLORADO AND 1250 H STREET, GREELEY, COLORADO; A MORTGAGE DATED JUNE 26,
2009 ON PROPERTY LEGALLY DESCRIBED THEREIN COMMONLY KNOWN AS 116 E. RANDOLPH
AVENUE, ENID, OKLAHOMA AND A MORTGAGE DATED JUNE 26, 2009 ON PROPERTY LEGALLY
DESCRIBED THEREIN COMMONLY KNOWN AS 407 S. 2nd STREET, LARAMIE, WYOMING.

 

LINE OF
CREDIT.  This Note evidences a revolving line of
credit.  Advances under this Note, as
well as directions for payment from Borrower’s accounts, may be requested
orally or in writing by Borrower or by an authorized person.  Lender may, but need not, require that all
oral requests be confirmed in writing. 
Borrower agrees to be liable for all sums either:  (A)  advanced in accordance with the
instructions of an authorized person or  (B) 
credited to any of Borrower’s accounts with Lender.  The unpaid principal balance owing on this
Note at any time may be evidenced by endorsements on this Note or by Lender’s
internal records, including daily computer print-outs.  Lender will have no obligation to advance
funds under this Note if:  (A)  an
Event of Default has occurred under the terms of this Note or any agreement that
Borrower has with Lender, including any agreement made in connection with the
signing of this Note;  (B)  Borrower
or any guarantor ceases doing business or is insolvent;  or (C)  Borrower has applied funds
provided pursuant to this Note for purposes other than those authorized by
Lender.

 

ADDITIONAL
TERMS.  Each and every advance made under this Note shall be
at Lender’s sole discretion, Lender having made no commitment to make any such
advances.

 

Borrower shall not a)
voluntarily transfer any assets into trust or, b) if already owned in trust,
shall not voluntarily transfer title to such trust assets to any other person
or entity, without giving Lender at least 30 days prior written notice thereof.

 

ADDITIONAL
TERMS.  ORAL AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND
CREDIT OR TO FOREBEAR FROM ENFORCING REPAYMENT OF A DEBT INCLUDING PROMISES TO
EXTEND OR RENEW SUCH DEBT ARE NOT ENFORCEABLE. TO PROTECT YOU (BORROWER(S) AND
US (LENDER) FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE REACH
COVERING SUCH MATTERS ARE CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE AND
EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER
AGREE IN WRITING TO MODIFY IT.

 

SUCCESSOR
INTERESTS.  The terms of this Note shall be binding upon
Borrower, and upon Borrower’s heirs, personal representatives, successors and
assigns, and shall inure to the benefit of Lender and its successors and
assigns.

 

GENERAL
PROVISIONS.  If any part of this Note cannot be enforced,
this fact will not affect the rest of the Note. 
Lender may delay or forgo enforcing any of its rights or remedies under
this Note without losing them.  Each
Borrower understands and agrees that, with or without notice to Borrower,
Lender may with respect to any other Borrower 
(a) make one or more additional secured or unsecured loans or
otherwise extend additional credit;  (b) alter,
compromise, renew, extend, accelerate, or otherwise change one or more times
the time for payment or other terms of any indebtedness, including increases
and decreases of the rate of interest on the indebtedness;  (c) exchange, enforce, waive,
subordinate, fail or decide not to perfect, and release any security, with or
without the substitution of new collateral; 
(d)  apply such security and direct the order or manner of sale
thereof, including without limitation, any non-judicial sale permitted by the
terms of the controlling security agreements, as Lender in its discretion may
determine;  (e) release, substitute,
agree not to sue, or deal with any one or more of Borrower’s sureties,
endorsers, or other guarantors on any terms or in any manner Lender may
choose;  and  (f) determine how, when and what
application of payments and credits shall be made on any other indebtedness
owing by such other Borrower.  Borrower and
any other person who signs, guarantees or endorses this Note, to the extent
allowed by law, waive presentment, demand for payment, and notice of
dishonor.  Upon any change in the terms
of this Note, and unless otherwise expressly stated in writing, no party who
signs this Note, whether as maker, guarantor, accommodation maker or endorser,
shall be released from liability.  All
such parties agree that Lender may renew or extend (repeatedly and for any
length of time) this loan or release any party or guarantor or collateral; or
impair, fail to realize upon or perfect Lender’s security interest in the
collateral; and take any other action deemed necessary by Lender without the
consent of or notice to anyone.  All such
parties also agree that Lender may modify this loan without the consent of or
notice to anyone other than the party with whom the modification is made.  The obligations under this Note are joint and
several.

 

PRIOR TO
SIGNING THIS NOTE, EACH BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS
NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS.  EACH BORROWER AGREES TO THE TERMS OF THE
NOTE.

 

BORROWER
ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE.

 

BORROWER:

 

 

STARTEK,
INC.

 

	
  By: 

  	
  /s/ A.
  LAURENCE JONES

  	
   

  	
  By: 

  	
  /s/ DAVID
  G. DURHAM

  
	
  A.
  Laurence Jones, Chief Exec. Officer/Pres. of 

  	
   

  	
  David G.
  Durham, Exec. VP/CFO/Treasurer of 

  
	
  STARTEK,
  INC.

  	
   

  	
  STARTEK,
  INC.

  

 

 

STARTEK USA, INC.

 

	
  By: 

  	
  /s/ A.
  LAURENCE JONES

  	
   

  	
  By: 

  	
  /s/ DAVID
  G. DURHAM

  
	
  A.
  Laurence Jones, Chief Exe. Officer/Pres. of 

  	
   

  	
  David G.
  Durham, Exec VP/CFO/Treasurer of 

  
	
  STARTEK
  USA, INC.

  	
   

  	
  STARTEK
  USA, INC.

  

 

 

STARTEK CANADA SERVICES, LTD.

 

	
  By: 

  	
  /s/ A.
  LAURENCE JONES

  	
   

  	
  By: 

  	
  /s/ DAVID
  G. DURHAM

  
	
  A.
  Laurence Jones, Chief Exec. Officer/Pres. of 

  	
   

  	
  David G.
  Durham, Exec. VP/CFO/Treasurer of 

  
	
  STARTEK
  CANADA SERVICES, LTD.

  	
   

  	
  STARTEK
  CANADA SERVICES, LTD.

  

 

LASER PRO Lending, Ver. 5.44.00.002 
Copr. Harland Financial Solutions, Inc. 1997, 2009.  All Rights Reserved.  - CO 
S:\APPS\hfs\CFI\LPL\D20.FC 
TR-62141  PR-63 (M)

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