Document:

SHARE CONTRIBUTION AGREEMENT

THIS AGREEMENT
is made and entered on December 30, 2019 by and between Koichi Ishizuka, (the "Transferor") and OFF Line International,
Inc., a Delaware corporation ( the "Transferee");

WHEREAS,
the Transferor is the one hundred percent (100%) of record owner and holder of the issued and outstanding shares of the capital
stock of OFF Line Japan Co., Ltd, a Japan corporation, (“OFF Line Japan”) which the Transferor has issued capital stock
of 100 shares of no par value common stock; and

WHEREAS,
the Transferee desires to acquire from the Transferor and the Transferor desires to .transfer to the Transferee 100 shares of common
stock of OFF Line Japan (the “OFF Line Japan’s Stock”) without consideration, upon the terms and subject to the
conditions hereinafter set forth;

NOW, THEREFORE,
in consideration of the mutual covenants and agreements contained in this Agreement, and in order to consummate the transfer of
the OFF Line Japan's Stock aforementioned, it is hereby agreed as follows:

1. TRANSFER.
Subject to the terms and conditions hereinafter set forth, at the closing of the transaction contemplated hereby, the Transferor
shall convey, transfer, and deliver to the Transferee certificates representing the OFF Line Japan's Stock, and the Transferee
shall acquire from the Transferor the OFF Line Japan's Stock without consideration. The closing of the transactions contemplated
by this Agreement ("Closing") shall be held at Osaka, Japan, on December 30, 2019, or such other place, date and time
as the parties hereto may otherwise agree.

2. EFFECTIVE
DATE. The effective date of this Agreement shall be December 30, 2019.

3. REPRESENTATIONS
AND WARRANTIES OF SELLER. The Transferor hereby warrants and represents:

(a) Organization
and Standing. OFF Line Japan is a corporation duly organized, validly existing and in good standing under the laws of Japan
and has the corporate power and authority to carry on its business as it is now being conducted.

(b) Restrictions
on Stock.

i. The Transferor
is not a party to any agreement, written or oral, creating rights in respect to the OFF Line Japan's Stock in any third person
or relating to the voting of the OFF Line Japan's Stock.

ii. Transferor
is the lawful owner of the OFF Line Japan's Stock, free and clear of all security interests, liens, encumbrances, equities and
other charges.

iii. There are
no existing warrants, options, stock purchase agreements, redemption agreements, restrictions of any nature, calls or rights to
subscribe of any character relating to the stock, nor are there any securities convertible into such stock.

4. REPRESENTATIONS
AND WARRANTIES OF TRANSFEROR AND TRANSFEREE. The Transferor and the Transferee hereby represent and warrant that there has
been no act or omission by he Transferor, the Transferee or OFF Line Japan which would give rise to any valid claim against any
of the parties hereto for a brokerage commission, finder's fee, or other like payment in connection with the transactions contemplated
hereby.

5. GENERAL
PROVISIONS

(a) Entire Agreement.
This Agreement (including the exhibits hereto and any written amendments hereof executed by the parties) constitutes the entire
Agreement and supersedes all prior agreements and understandings, oral and written, between the parties hereto with respect to
the subject matter hereof.

(b) Sections
and Other Headings. The section and other headings contained in this Agreement are for reference purposes only and shall not
affect the meaning or interpretation of this Agreement.

(c) Governing
Law. This agreement and all transactions contemplated hereby, shall be governed by, construed and enforced in accordance with
the laws of Japan. The parties herein waive trial by jury and agree to submit to the personal jurisdiction and venue of a court
of subject matter jurisdiction located in Tokyo, Japan. In the event that litigation results from or arises out of this Agreement
or the performance thereof, the parties agree to reimburse the prevailing party's reasonable attorney's fees, court costs, and
all other expenses, whether or not taxable by the court as costs, in addition to any other relief to which the prevailing party
may be entitled.

 

IN WITNESS
WHEREOF, this Agreement has been executed by each of the individual parties hereto on the date first above written.

 

Signed, sealed and delivered in the
presence of:

 

Transferor: Koichi Ishizuka

By: /s/ Koichi Ishizuka

Transferee: OFF Line International,
Inc.

By: /s/ Koichi Ishizuka

President, CEO and DirectorExhibit

Exhibit 10.1

ON DECK CAPITAL, INC.
OUTSIDE DIRECTOR COMPENSATION POLICY
(Adopted October 29, 2014, as amended through July 29, 2020)

On Deck Capital, Inc. (the “Company”) believes that the granting of equity and cash compensation to its members of the Board of Directors (the “Board,” and members of the Board, the “Directors”) represents an effective tool to attract, retain and reward Directors who are not employees of the Company (the “Outside Directors”).  This Outside Director Compensation Policy (this “Policy”) is intended to formalize the Company’s policy regarding cash compensation and grants of equity to its Outside Directors.  Unless otherwise defined herein, capitalized terms used in this Policy will have the meaning given such term in the Company’s 2014 Equity Incentive Plan (the “Plan”).  Each Outside Director will be solely responsible for any tax obligations incurred by such Outside Director as a result of the equity and cash payments such Outside Director receives under this Policy.
This Policy was initially effective as of December 16, 2014, the effective date of the registration statement in connection with the initial public offering of the Company’s common stock securities (the “Effective Date”). 

		
	1.
	CASH RETAINERS

No Outside Director will receive per meeting attendance for attending Board or meetings of committees of the Board. Outside directors will receive the following annual cash retainers as applicable. All such annual cash retainers will be paid quarterly in arrears on a prorated basis.
Annual Cash Retainer
Each Outside Director will be paid an annual cash retainer of $40,000. 
Committee Chair and Committee Member Annual Cash Retainer
Each Outside Director who serves as chairperson of a committee of the Board or as a member of a committee of the Board will be paid additional annual fees as follows: 
Chairperson of Audit Committee:            $18,750
Chairperson of Compensation Committee:            $15,000
Chairperson of Risk Management Committee:            $15,000
Chairperson of Corporate Governance and Nominating Committee:        $10,000
Member of Audit Committee:            $10,000
Member of Compensation Committee:            $7,500
Member of Risk Management Committee:            $7,500
Member of Corporate Governance and Nominating Committee:        $5,000
Lead Director Retainer
The Company’s Lead Director will be paid an annual cash retainer of $15,000.

		
	2.
	EQUITY COMPENSATION

Outside Directors will be entitled to receive all types of Awards (except Incentive Stock Options) under the Plan (or the applicable equity plan in place at the time of grant), including discretionary Awards not covered under this Policy.  All grants of Awards to Outside Directors pursuant to Section 2 of this Policy will be automatic and nondiscretionary, except as otherwise provided herein, and will be made in accordance with the following provisions:
(a)No Discretion.  No person will have any discretion to select which Outside Directors will be granted any Awards under this Policy or to determine the number of shares of Company common stock (“Shares”) to be covered by such Awards.
(b)Annual Awards.  Subject to Section 11 of the Plan, on the date of each annual meeting of the Company’s stockholders (the “Annual Meeting”), each Outside Director automatically will be granted an Award of restricted stock units with a grant date fair value (determined in accordance with U.S. generally accepted accounting principles) of $105,000 (an “Annual Award”).  Each Annual Award will fully vest upon the earlier of: (i) the 12-month anniversary of the grant date; or (ii) the next Annual Meeting, in each case, provided that the Outside Director continues to serve as a Service Provider through the applicable vesting date.  
(c)Appointment Award.  Subject to Section 11 of the Plan, upon an Outside Director’s first appointment to the Board, such Outside Director automatically will be granted a pro-rata portion of the Annual Award for the year in which the new director is first appointed based on the Outside Director’s days of service during the 12-month vesting period associated with the most recent Annual Award.  
(d)Change in Control.  In the event of a Change in Control, each Outside Director will fully vest in his or her Awards.
		
	3.
	TRAVEL EXPENSES

Each Outside Director’s reasonable, customary and documented travel expenses to Board meetings will be reimbursed by the Company.
		
	4.
	ADDITIONAL PROVISIONS

All provisions of the Plan not inconsistent with this Policy will apply to Awards granted to Outside Directors.
		
	5.
	REVISIONS

The Board in its discretion may change and otherwise revise the terms of Awards granted under this Policy, including, without limitation, the number of Shares subject thereto, for Awards of the same or different type granted on or after the date the Board determines to make any such change or revision.  

2Exhibit

Exhibit 10.2

Truist Bank, as Administrative Agent and 
The Lenders Party to the Credit Agreement (as defined below)
Mail Code GA-ATL-3950
3333 Peachtree Road, NE
Atlanta, GA 30326
Attention:  Amanda Parks
Amanda.Parks@suntrust.com
Fax: (404) 926-5100

Re:    Limited Consent

June 23, 2020

Ladies and Gentlemen:

Reference is hereby made to that certain Credit Agreement dated as of January 28, 2019 (as the same has been and may hereafter be amended, restated, supplemented or otherwise modified prior to the date hereof, the “Credit Agreement”) by and among ON DECK CAPITAL, INC., a Delaware corporation, as the Company, TRUIST BANK (as successor to SUNTRUST BANK), as administrative agent for the “Revolving Lenders” party to the Credit Agreement (in such capacity, “Administrative Agent”) and each of the Lenders from time to time party thereto.  Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Credit Agreement.

With respect to the Monthly Period ending April 30, 2020, an Asset Performance Payout Event (Level 1) (the “May APPE”) described on Exhibit E to the Credit Agreement occurred, after giving effect to the final sentence of Appendix E, on May 18, 2020 (the “Payout Period Start Date”).  Under the terms of the Credit Agreement, on June 17, 2020, the Company repaid the aggregate outstanding principal amount of Revolving Loans in an amount equal to (i) the aggregate principal amount of Revolving Loans on the Payout Period Start Date times (ii) the applicable Payout Period Percentage.  The parties hereto acknowledge that, as a consequence of the May APPE and the Payout Period Start Date, the Revolving Commitment Termination Date occurred on May 18, 2020, and the Lenders are no longer required to make Revolving Loans under the terms of the Credit Agreement. 

With respect to the Monthly Period ending May 31, 2020, an Asset Performance Payout Event (Level 2) (the “June APPE”) described on Exhibit E to the Credit Agreement occurred, after giving effect to the final sentence of Appendix E, on June 17, 2020.  The Company and the Lenders hereby acknowledge that the effect of the occurrence of the June APPE is the increase to the Payout Period Percentage (the “Payout Period Percentage Increase”). The Company requests, and the Administrative Agent and Lenders hereby consent and agree, that the Payout Period Percentage Increase shall not be effective until July 14, 2020 (such date, as extended from time to time, the “Extended Date”), notwithstanding anything to the contrary contained in the Credit Agreement or the other Credit Documents.  
    

1

1

Exhibit 10.2

This Limited Consent is a limited consent and (i) shall only be relied upon and used for the specific purpose set forth herein, (ii) shall not constitute nor be deemed to constitute (a) a waiver of any Default or Event of Default or (b) except as expressly set forth herein, a waiver or amendment of any term or condition of the Credit Agreement and the other Credit Documents (without limitation of the forgoing, for the avoidance of doubt, this Limited Consent does not waive or impact the occurrence of the Payout Period Start Date (or any effect under the Credit Agreement resulting from the occurrence thereof), the continued effect of the May APPE or the requirement under the Credit Agreement to pay the Revolving Loans in the amount required under Section 2.6 of the Credit Agreement when due (including, after the Extension Date, as increased by the Payout Period Percentage Increase)), (iii) shall not constitute nor be deemed to constitute a consent by Administrative Agent or any Lender to anything other than as expressly set forth herein, and (iv) shall not constitute a custom or course of dealing among the parties hereto.  Except as otherwise expressly provided herein, the Credit Agreement and each of the other Credit Documents shall remain in full force and effect in accordance with their respective terms.  Except as specifically set forth herein, Administrative Agent and the Lenders reserve all of their respective rights and remedies under the Credit Agreement and the Credit Documents.

In consideration of the Limited Consent granted hereunder (and as a condition to the effectiveness hereof), (a) Company hereby represents and warrants to Administrative Agent and the Lenders that (i) no Default or Event of Default has occurred and is continuing as of the date hereof, (ii) the representations and warranties made by the Company contained in the Credit Documents are true and correct in all material respects (without duplication of any materiality qualifier contained therein) as of the date hereof, except to the extent such representation and warranty expressly relates to an earlier date (in which case, such representations and warranties were true and correct in all material respects as of such earlier date), (iii) the execution, delivery and performance by the Company of this letter agreement, have been duly authorized by all necessary corporate action and (iv) this letter agreement constitutes the legal, valid and binding obligation of the Company, enforceable against the Company in accordance with their respective terms, except as may be limited by bankruptcy, insolvency, reorganization, moratorium or other laws affecting, creditors’ rights generally and the effects of general principles of equity and (b) substantially concurrently with the consummation of this Limited Consent (and, in any event, not later than the date hereof), the Company shall pay to the Administrative Agent on behalf of the Lenders, $5,000,000 of the outstanding principal amount of the Revolving Loans (the “Paydown Amount”) (and any interest owing as of the payment date with respect to such principal amount) which amount shall be distributed in accordance with Section 2.12(c) of the Credit Agreement and shall permanently reduce the outstanding amount of the Revolving Credit Commitment of each Revolving Lender in accordance with their Pro Rata Share as set forth in Section 2.9 (the three Business Day prior written notice being hereby waived).  The parties hereby agree that the Paydown Amount so prepaid shall either, at the option of the Company, (x) reduce the amount of the payment due by the Company on the Interest Payment Date occurring on July 17, 2020 pursuant to Section 2.6 of the Credit Agreement by an amount equal to the Paydown Amount or (y) if the Company, the Administrative Agent and the Lenders agree (in their respective sole discretions) to effect an amendment of the Credit Agreement on or prior to July 17, 2020, be credited to any amount which would have otherwise been agreed to by the parties as a prepayment or repayment of Revolving Loans and permanent reduction of the Revolving Credit Commitments required by the terms thereof. 

2

2

Exhibit 10.2

The Company hereby further agrees that on or before June 26, 2020, the Company will pay to the Administrative Agent all fees and expenses of the Administrative Agent invoiced prior to the date hereof including legal and consulting fees and expenses so invoiced. In addition to any rights and remedies under the Credit Documents, if such amounts are not received by the Administrative Agent on or prior to such date, this Limited Consent shall terminate on June 26, 2020 and the Payout Period Percentage Increase shall be effective immediately. 

This letter agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed and delivered shall be deemed to be an original, but all of which counterparts together shall constitute one and the same instrument.  Signature pages to this letter agreement may be detached from multiple separate counterparts and attached to the same document and a telecopy or pdf of any such executed signature page shall be valid as an original.  This letter agreement shall become effective upon the execution of a counterpart hereof by each of the parties hereto.

This letter agreement constitutes a Credit Document and shall be a contract made under and governed by, and shall be construed and enforced in accordance with, the laws of the state of New York.  
-- Remainder of page intentionally left blank; signature pages follow --

Each of the undersigned has caused this letter agreement to be duly executed and delivered as of the date first above written.

	
		
	ON DECK CAPITAL, INC., 
as Company 
 
By:   /s/ Kenneth A. Brause 
Name:  Kenneth A. Brause
Title:    Chief Financial Officer 

	 

	TRUIST BANK, 
as Administrative Agent 
 
By:   /s/ Amanda Parks 
Name:  Amanda Parks
Title:    SVP 
 
 

	 

	TRUIST BANK, 
as a Lender 
 
By:   /s/ Amanda Parks 
Name:  Amanda Parks
Title:    SVP 
 
 

3

3

	
		
	SILICON VALLEY BANK, 
as a Lender 

By:   /s/ Alexander Addario
Name:  Alexander Addario
Title:    Director

	FIFTH THIRD BANK, NATIONAL ASSOCIATION,
as a Lender 

By:   /s/ Lise Hinton
Name:  Lise Hinton
Title:    Sr. Vice President

	REGIONS BANK,
as a Lender 

By:   /s/ Hichem Kerma
Name:  Hichem Kerma
Title:    Managing Director 

CONGRESSIONAL BANK,
as a Lender 

By:   /s/ James H. Peterson
Name: James H. Peterson
Title:   EVP & CCO

 
 
BANCALLIANCE INC., 
as a Lender 

BY: ALLIANCE PARTNERS LLC, ITS ATTORNEY-IN-FACT

By:   /s/ John Gray
Name:  John Gray
Title:    Executive Vice President

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