Document:

Exhibit
      10.20

    

    

    December
      12, 2007        

    

    

    PERSONAL
      & CONFIDENTIAL

    

    Annemarie
      Tierney

    [Home
      address redacted]

     

    Dear
      Annemarie:

    

    I
      am
      pleased to extend this offer of employment to you as the General Counsel and
      Corporate Secretary of NYFIX, Inc. (“NYFIX” or the “Company”) at our 100 Wall
      Street location. In your new position, you will report to both the Chief
      Executive Officer and Chief Financial Officer of NYFIX. Your initial job duties
      shall be as set forth on attachment A. Your start date is to be January 14,
      2008. 

    

    You
      will
      be compensated at a base salary at the annual rate of $250,000, payable
      in accordance with NYFIX’s ordinary payroll practices.
      In
      addition, you will
      receive a sign-on bonus of $100,000, minus applicable withholdings, payable
      on
      February 6, 2008. This payment will be subject to full repayment to NYFIX in
      the
      event you voluntarily terminate your employment without Good Reason or are
      terminated for Cause (as defined on Attachment “A”) within the first twelve (12)
      months of your employment. Commencing
      in calendar 2008, you will also be eligible to receive, pursuant to the
      annual management bonus program maintained by NYFIX for similarly situated
      employees,
      annual
      incentive compensation in the form of a bonus payable in cash targeted at
      $150,000 for 2008.
      Your
      bonus will be
      based
      upon performance against targets to be determined by NYFIX. 

    

    Pending
      (and promptly in the ordinary course after) adoption by the Company’s
      Compensation Committee, Board of Directors and Shareholders, of NYFIX’s 2007
      Equity Incentive Plan (the “Plan”), and its effectiveness, you will be entitled
      to an initial equity award thereunder as follows: 25,000 time based restricted
      stock units and 150,000 time-based options (the terms of which will be as set
      forth on the attached forms of grant).

    

    You
      will
      be eligible to receive four (4) weeks of vacation each calendar year, prorated
      for 2007 (if applicable).

     

    Subject
      to the terms and conditions of the Articles of Association and By-Laws of the
      Company (in each case, as in effect from time to time), the Company agrees
      to
      indemnify and hold you harmless to the fullest extent permitted by the laws
      of
      the State of Delaware, as in effect at the time of the subject act or omission.
      In connection therewith, you shall be entitled to the protection of insurance
      policies, which the Company shall maintain at commercially reasonable levels,
      for the benefit of the Company’s directors and officers, against all costs,
      charges and expenses whatsoever incurred or sustained by you in connection
      with
      any action, suit or proceeding to which you may be made a party by reason of
      your being or having been an officer or employee of the Company. This provision
      shall survive any termination of your employment with the Company.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    NYFIX
      offers employees and their eligible dependents a variety of group health
      insurance benefits, the premium costs of which are currently shared by employees
      and NYFIX. Coverage under these programs commences on the first day of
      employment. Information regarding these programs and other company benefits
      along with guidelines concerning employment may be found in NYFIX’ Employee
      Handbook, a copy of which is issued at the beginning of one’s employment and is
      available at any time from NYFIX’ Human Resources department.

    

    I
      would
      appreciate your considering our offer and advising me of your decision by
      December 14, 2007. NYFIX will be unable to hold the offer open beyond this
      date.
      This offer is contingent upon your providing the Company sufficient proof of
      your authorization to work in the United States. On your first day of work
      please bring documents sufficient to complete the required U.S. Citizenship
      and
      Immigration Services I-9 form. For your convenience, a list of acceptable
      documents is attached to this letter.

    

    You
      should be aware that NYFIX employees are not permitted to make any unauthorized
      use of documents or other information in their employment with NYFIX which
      could
      properly be considered or construed to be confidential or proprietary
      information of another individual or company. Likewise, NYFIX employees may
      not
      bring with them any confidential documents or other forms of tangible
      confidential information onto the premises of NYFIX relating to their prior
      employer(s)’ business.

    

    This
      letter will also confirm that (a) you have furnished to NYFIX or its’ counsel a
      copy of any existing employment agreements you may have with any prior
      employer(s), and (b) you are subject to no contractual or other restriction
      or
      obligation which is inconsistent with your accepting this offer of employment
      and performing your duties.

    

    As
      an
      inducement to cause NYFIX to extend this employment offer you must sign the
      accompanying documents (the “Ancillary Agreements”) that set forth the
      obligations you will have to NYFIX upon becoming an employee concerning,
      generally, non-competition with NYFIX, non-solicitation of NYFIX’ clients or
      employees, the ownership of inventions and intellectual property and
      confidential treatment of NYFIX information. You also must sign the accompanying
      arbitration agreement.

    

    To
      the
      extent not inconsistent with the terms of this letter agreement and the
      Ancillary Agreements, your employment with NYFIX will be governed by the
      company’s policies and procedures which may change from time to time. As set
      forth above, you should consult the Employee Handbook with respect to questions
      concerning the terms and conditions of your employment. In addition, due to
      the
      technically sophisticated nature of its business, NYFIX has a number of policies
      regarding use of and access to its computer and other electronic systems. By
      accepting this offer of employment you are agreeing that you will abide by
      and
      remain familiar with NYFIX’ various policies and procedures that will be
      applicable to you.

    

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

    While
      we
      certainly hope that your employment with NYFIX will be long and mutually
      rewarding, this offer is not a guarantee of employment for a specific period
      of
      time. You should understand that you are an employee at-will, which means that
      either you or NYFIX may terminate your employment for any reason, at any time,
      with or without notice. Please understand that no supervisor, manager or
      representative of NYFIX other than the Chief Executive Officer or the Chief
      Financial Officer has the authority to enter into any agreement with you for
      employment for any specified period of time or to make any promises or
      commitments contrary to the forgoing. Further, any employment agreement entered
      into by the Chief Executive Officer or the Chief Financial Officer shall not
      be
      enforceable unless it is in a formal written agreement and signed by you and
      one
      of these designated company representatives. Notwithstanding the above, in
      the
      event you voluntarily terminate your employment with Good Reason or the Company
      terminates your employment without “Cause” (as defined on Attachment “A”), you
      will receive (i) a lump sum cash payment in the payroll period next following
      your termination date equal to twelve (12) months’ base pay at your then-current
      rate, less required withholdings, (ii) reimbursement for your out-of-pocket
      COBRA expense during the severance period, and (iii) acceleration of outstanding
      unvested equity as provided under the terms set forth on the attached forms
      of
      grant, provided that you execute a release document a form reasonably similar
      to
      that attached hereto to as Exhibit B (a “Release”).

    

    This
      offer constitutes the entire understanding and contains a complete statement
      of
      all the agreements between you and NYFIX and supersedes all prior and
      contemporaneous verbal or written agreements, understandings or
      communications.

    

    Thank
      you
      for your interest in employment with NYFIX. We look forward to hearing from
      you
      soon. Meanwhile, if you have any questions regarding our offer or NYFIX more
      generally, please contact me.

    
 

    
      
        	 	
                Very
                  truly yours,

              
	 	 
	 	
                /s/
                  P. Howard Edelstein

              
	 	 
	 	
                P.
                  Howard Edelstein

              
	 	
                Chief
                  Executive Officer

              

      

      

      
        	
                Accepted
                  and Agreed:

              	 
	 	 
	 	 
	
                /s/
                  Annemarie Tierney 

              	 
	
                Annemarie
                  Tierney

              	 
	 	 
	 	 
	
                December
                  14, 2008

              	 
	
                [Date]

              	 

      

       

    

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

     

    Attachment
      A

    

    

    Responsibilities:

    

    CEO

    
      	 	
              ·

            	
              Advise
                and counsel senior management on legal, strategic and business affairs
                matters, partnering on large projects, acquisition/merger/divestiture
                management and negotiations. 

            

    

    
      	 	
              ·

            	
              Serve
                as Company’s Corporate Secretary, responsible for all corporate governance
                matters (Board of Directors, Board Committees) - resolutions, minutes,
                books, records, documentation, filings.   With the help of the
                Assistant Corporate Secretary will set up and attend all Board of
                Directors meetings and certain Board Committee meetings and will
                prepare
                material for Board of Directors and Board Committee meetings. 
                

            

    

    
      	 	
              ·

            	
              Member
                of Investment Committee and assist with management of Administrative
                Team
                meetings, including managing and maintaining agenda and follow-up
                action
                items for the Administrative and Leadership
                Teams.

            

    

    
      	 	
              ·

            	
              Other
                duties as and if needed

            

    

    

    CFO

    
      	 	
              ·

            	
              Advise
                and counsel senior management on legal, strategic and business affairs
                matters, partnering on large projects, acquisition/merger/divestiture
                management and negotiations. 

            

    

    
      	 	
              ·

            	
              Consult
                with senior management to identify and resolve legal issues and recommend
                resolutions and settlements. 

            

    

    
      	 	
              ·

            	
              Manage
                legal department personnel and budget, develop and manage legal policies
                and procedures. 

            

    

    
      	 	
              ·

            	
              Manage
                (a) SEC disclosure and reporting compliance and (b) brokerage compliance
                and risk management matters. 

            

    

    
      	 	
              ·

            	
              Manage
                relationships with outside counsel.  Develop legal strategies. 
                Oversee all litigation handled by outside counsel.  Oversee outside
                counsel.  

            

    

    
      	 	
              ·

            	
              Provide
                legal advice and counsel to Company and personnel in diverse matters
                affecting day-to-day business
                operations.

            

    

    
      	 	
              ·

            	
              Other
                duties as and if needed

            

    

    

    

    Definitions:

     

    The
      term
“Good
      Reason” shall
      mean the occurrence of any of the following events: (i) a diminution in your
      title or a material diminution in your duties, authority, or responsibilities;
      (ii) a reduction in your base salary or bonus opportunity (in total); (iii)
      a
      relocation of your principal office of more than fifty (50) surface miles
(iv)
      a
      change in your reporting responsibilities away from either or both NYFIX’s CEO
      and/or CFO.; or (v) any other material breach of this
      Agreement.

     

    The
      term
“Cause”
      shall
      mean (i)
      any
      act of gross negligence or willful misconduct on your part in the course of
      your
      employment hereunder, which is materially and demonstrably injurious to the
      business or reputation of the Company and its affiliates; (ii) your willful
      failure or refusal to perform in any material respect your duties and
      responsibilities under this letter agreement; (iii) misappropriation by you
      of
      any assets or business opportunities of the Company or any of its Affiliates;
      (iv) embezzlement or fraud committed by you or at your direction; (v) your
      conviction by a court of competent jurisdiction of, or pleading “guilty” or “no
      contest” to a felony; or (vi) your breach of any material provision of this
      letter agreement. For purposes of this definition, no act or failure to act
      shall be deemed “willful” unless done or omitted in bad faith or without a
      reasonable belief that such act or omission was in the best interests of the
      Company.

     

    
      
        
        

      

      
        4BRIDGE
      LOAN AGREEMENT

     

    THIS
      BRIDGE LOAN AGREEMENT ("Loan
      Agreement")
      is
      dated as of March ___, 2008, by and between Brighton Partners, LLC a Utah
      Limited Liability Company, having an office at 3540 East Bengal Blvd, Salt
      Lake
      City Utah 84121, (“Brighton”) and ZAGG, Inc., a Nevada corporation, having an
      office at 3855 So. 500 West, Suite J, Salt Lake City, Utah 84115
      ("ZAGG").

     

    WITNESSETH

     

    WHEREAS,
      Brighton wishes to induce ZAGG to loan to Brighton, and ZAGG is willing to
      loan
      to Brighton, subject to the terms and conditions set forth herein, up to Five
      Hundred Thousand Dollars, (US$ 500,000) United States Dollars with an initial
      amount of $200,000 and $300,000 upon fulfillment of the terms stated herein.
      

    

    NOW,
      THEREFORE, for and in consideration of the premises and the mutual agreement
      contained herein and for other good and valuable consideration, the receipt
      and
      sufficiency of which are hereby acknowledged, the parties hereto agree as
      follows:

    

    1.
      LOAN.
      Subject
      to the terms and conditions set forth herein, ZAGG shall loan to Brighton an
      initial Two Hundred Thousand (US$200,000) United States Dollars in one
      installment, by delivery of such amount to Brighton in U.S. funds by wire
      transfer to an account designated by Brighton, and an additional Three Hundred
      Thousand (US$300,000) United States Dollars (together, the "Loan")
      provided that Brighton supplies ZAGG with evidence of rights to be acquired
      by
      Brighton in connection with American Gladiators Superhero series currently
      in
      development with Brighton Partners and POW! Entertainment (Stan Lee).

    

    2.
      NOTE.
      The
      terms of the Loan shall be repayment within 90 days from receipt by Brighton
      plus 10% interest at term and 3% origination fees, and other terms and
      conditions as set forth in the Secured Promissory Note (the "Note"),
      in
      the form attached hereto as Exhibit “A.” 

    

    3.
      MUTUAL
      DELIVERIES.

           

    (a)
      Upon
      the delivery by ZAGG of the initial Two Hundred Thousand (US$200,000) United
      States Dollars as provided in Section 1 above, Brighton shall deliver to ZAGG
      the Note duly executed for Five Hundred Thousand (US$500,000) United States
      Dollars. If Brighton is unable to comply with the condition provided in Section
      1 above for the additional Three Hundred Thousand (US$300,000) United States
      Dollars, the parties agree to amend the Note to account for only the initial
      Two
      Hundred Thousand (US$200,000) United States Dollars. 

    

    (b)
      As an
      additional condition of this Agreement, Brighton shall also deliver, or cause
      to
      be delivered, the original or execution copies of the following instruments
      and
      agreements duly executed by all parties thereto other than ZAGG (together with
      the Note - the "Related Agreements"):

     

    
      	 	
              i.

            	
              the
                Secured Promissory Note in the form attached hereto as Exhibit
                “A”

            

    

    
      	 	
              ii.

            	
              the
                Cross-License Agreement in the form attached hereto as Exhibit “B.”
                

            

    

    
      	 	
              iii.

            	
              the
                Security Agreement in the form attached hereto as Exhibit
                “C.”

            

    

    
      	 	
              iv.

            	
              the
                Option Agreement in the form attached hereto as Exhibit
                “D.”

            

    

    
      	 	
              v.

            	
              Brighton
                will also deliver to ZAGG the following:

            

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	 	
              a.

            	
              A
                sponsorship for ZAGG to advertise in all publication that Brighton
                and
                POW! Entertainment are involved in including comic books.
                

            

    

    
      	 	
              b.

            	
              Wolf
                (Don Hollywood Yeates) as a spokes person for ZAGG to include a photo
                shoot of Don with the ZAGG products for use by ZAGG in publications
                and
                internet use. 

            

    

    
      	 	
              c.

            	
              Personal
                appearances by Don Yeates at ZAGG sponsored events such as tradeshows
                etc.
                

            

    

    
      	 	
              d.

            	
              500,000
                shares of Bio-Path, Inc. as collateral to ZAGG until the repayment
                of the
                notes in full plus interest and origination fees.
                

            

    

     

    4.
      REPRESENTATIONS
      AND WARRANTIES OF BRIGHTON.
      Brighton represents and warrants to ZAGG that:

     

    (a)
      Brighton has the corporate power and authority to enter into this Loan Agreement
      and the Related Agreements and to perform its obligations hereunder and
      thereunder. The execution and delivery by Brighton of this Loan Agreement and
      the Related Agreements and the consummation by Brighton of the transactions
      contemplated hereby and thereby have been duly authorized by all necessary
      corporate action on the part of Brighton. This Loan Agreement and the Related
      Agreements have been duly executed and delivered by Brighton and constitute
      valid and binding obligations of Brighton enforceable against it in accordance
      with their respective terms, subject to the effects of any applicable
      bankruptcy, insolvency, reorganization, moratorium or similar laws affecting
      creditors' rights generally and to the application of equitable principles
      in
      any proceeding (legal or equitable).

    

    (b)
      The
      execution, delivery and performance by Brighton of this Loan Agreement and
      the
      Related Agreements and the consummation of the transactions contemplated hereby
      and thereby do not and will not breach or constitute a default under any
      applicable law or regulation or of any agreement, judgment, order, decree or
      other instrument binding on Brighton which breach or default could reasonably
      be
      expected to have a material adverse effect on Brighton.

    

    (c)
      Brighton is in material compliance with all applicable laws, regulations,
      judgments, decrees and orders material to the conduct of its
      business.

    

    (d)
      There
      is no pending, or to the knowledge of Brighton, threatened, judicial,
      administrative or arbitral action, claim, suit, proceeding or investigation
      which might affect the validity or enforceability of this Loan Agreement or
      the
      Related Agreements or which involves Brighton and which if adversely determined,
      could reasonably be expected to have a material adverse effect on
      Brighton.

    

    (e)
      No
      consent or approval of, or exemption by, or filing with, any party or
      governmental or public body or authority is required in connection with the
      execution, delivery and performance under this Loan Agreement or the Related
      Agreements or the taking of any action contemplated hereunder or
      thereunder.

    

    (f)
      Brighton has been duly organized and is validly existing as a corporation in
      good standing under the laws of the jurisdiction of its formation. Brighton
      is
      duly qualified and licensed and in good standing as a corporation in each
      jurisdiction in which its current ownership or leasing of any properties or
      its
      ownership or leasing of any properties or the character of its operations as
      currently conducted requires such qualification or licensing, except where
      the
      failure to be so qualified would not have a material adverse effect on Brighton.
      Brighton has all power and authority, and has obtained all necessary
      authorizations, approvals, orders, licenses, certificates, franchises and
      permits of and from all governmental or regulatory officials and bodies
      necessary to own or lease its properties and conduct its business other than
      those authorizations, approvals and such other documents the lack of which
      could
      not reasonably be expected to have a material adverse effect on
      Brighton.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    (g)
      The
      execution, delivery and performance of this Agreement by Brighton and the
      Related Agreements to be delivered hereunder and the consummation of the
      transactions contemplated hereby and thereby will not: (i) violate any provision
      of Brighton's corporate formation documents, (ii) violate, conflict with or
      result in the material breach of any of the terms of, result in a material
      modification of the effect of, or otherwise give any other contracting party
      the
      right to terminate, or constitute (or with notice or lapse of time or both
      constitute) a default under, any contract or other agreement to which Brighton
      is a party or by or to which Brighton or any of Brighton's assets or properties
      may be bound or subject, (iii) violate any order, judgment, injunction, award
      or
      decree of any court, arbitrator or governmental or regulatory body by which
      Brighton, or the assets or properties of Brighton are bound, (iv) to Brighton's
      knowledge, violate any statute, law or regulation.

    

    (h)
      There
      has been no material change in the capitalization, assets, or liabilities of
      Brighton since the issuance of the financial statements, for the period ending
      September 30, 2006, delivered to ZAGG.

    

    5.
      REPRESENTATIONS
      AND WARRANTIES OF ZAGG.
      ZAGG
      hereby represents and warrants to Brighton that:

    

    (a)
      ZAGG
      has the corporate power and authority to enter into this Loan Agreement and
      the
      Related Agreements and to perform its obligations hereunder and thereunder.
      The
      execution and delivery by ZAGG of this Loan Agreement and the Related Agreements
      and the consummation by ZAGG of the transactions contemplated hereby and thereby
      have been duly authorized by all necessary corporate action on the part of
      ZAGG.
      This Loan Agreement and the Related Agreements have been duly executed and
      delivered by ZAGG and constitute valid and binding obligations of ZAGG,
      enforceable against it in accordance with their respective terms, subject to
      the
      effects of any applicable bankruptcy, insolvency, reorganization, moratorium
      or
      similar laws affecting creditors' rights generally and to the application of
      equitable principles in any proceeding (legal or equitable).

    

    (b)
      The
      execution, delivery and performance by ZAGG of this Loan Agreement and the
      Related Agreements and the consummation of the transactions contemplated hereby
      and thereby do not and will not breach or constitute a default under any
      applicable law or regulation or of any agreement, judgment, order, decree or
      other instrument binding on ZAGG.

    

    (c)
      There
      is no pending, or to the knowledge of ZAGG, threatened, judicial, administrative
      or arbitral action, claim, suit, proceeding or investigation which might affect
      the validity or enforceability of this Loan Agreement or the Related
      Agreements.

    

    (d)
      No
      consent or approval of, or exemption by, or filing with, any party of
      governmental or public body or authority is required in connection with the
      execution, delivery and performance under this Loan Agreement or the Related
      Agreements or the taking of any action contemplated hereunder or
      thereunder.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    6.
      COVENANTS
      OF BRIGHTON.
      Brighton covenants and agrees that, so long as the Note shall be outstanding,
      except as otherwise required under the Related Agreements, Brighton
      shall:

    

    (a)
      Promptly pay and discharge all lawful taxes, assessments and governmental
      charges or levies imposed upon it or upon its income and profits, or upon any
      of
      its property, before the same shall become in default as well as all lawful
      material claims for labor, materials and supplies which, if unpaid, might become
      a lien or charge upon such properties or any part thereof; provided, however,
      that it shall not be required to pay and discharge any such tax, assessment,
      charge, levy or claim so long as the validity thereof shall be contested in
      good
      faith by appropriate proceedings, and Brighton shall set aside on its books
      adequate reserves with respect to any such tax, assessment, charge, levy or
      claim so contested.

    

    (b)
      Pay,
      or cause to be paid, all material debts and perform, or cause to be performed,
      all material obligations promptly and in accordance with the respective terms
      thereof.

    

    (c)
      Implement and maintain a standard system of accounting in accordance with
      generally accepted accounting principles ("GAAP").    

       
      

    (d)
      Do,
      or cause to be done, all things that may be necessary to:

     

    
      	 	
              i.

            	
              maintain
                its due organization, valid existence and good standing under the
                laws of
                its state of formation; 

            

    

    
      	 	
              ii.

            	
              preserve
                and keep in full force and effect all qualifications, registrations
                and
                licenses in those jurisdictions in which the failure to do so could
                or
                would have a material adverse effect;

            

    

    
      	 	
              iii.

            	
              maintain
                its power or authority to carry on its business as now conducted;
                and
                

            

    

    
      	 	
              iv.

            	
              use
                its best efforts to keep available the services of its key present
                employees and agents and maintain its current relations with suppliers,
                customers, distributors and joint venture partners (subject to the
                business judgment of executive management).

            

    

     

    (f)
      At
      all times maintain, preserve, protect and keep material property used and useful
      in the conduct of its business in good repair, working order and condition
      (subject to normal wear and tear), and from time to time make all needful and
      proper repairs, renewals, replacements, betterment and improvements thereto,
      so
      that the business carried on in connection therewith may be properly conducted
      at all times.

    

    (g)
      Keep
      adequately insured all property of a character usually insured by similar
      corporations and carry such other insurance as is usually carried by similar
      corporations.

    

    (h)
      At
      all reasonable times upon ZAGG's request and upon advance notice to Brighton
      and
      for good reason, permit representatives designated by ZAGG to have access to
      the
      books and records relating to the operations and procedures of Brighton (subject
      to execution of confidentiality undertakings).

    

    (i)
      Not
      assume, guaranty or otherwise, directly or indirectly, become liable or
      responsible for the obligations of any other person or entity, except for 75%
      or
      greater owned subsidiaries, for the purpose of paying or discharging the
      obligations of such person or entity unless such guarantees relate to the
      business of Brighton, are incurred in the ordinary course of its business and
      do
      not exceed in the aggregate $100,000.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    (j)
      Not
      consolidate with or merge with or into any entity or sell, lease, transfer,
      exchange or otherwise dispose of any material part of its properties and assets
      except in the ordinary course of business, however, Brighton may engage in
      any
      of the foregoing transactions with a parent or subsidiary of Brighton so long
      as
      such parent or subsidiary is no less creditworthy than Brighton and such parent
      or subsidiary assumes the obligations of Brighton hereunder.

    

    (k)
      To
      use the Loan for general corporate purposes subject to approval by ZAGG, which
      approval shall not be unreasonably withheld.

    

    7.
      ASSIGNMENT.
      This
      Loan Agreement and the Related Agreements may be assigned by ZAGG to transferees
      or assignees of the Note, provided that Brighton consents to the assignment,
      which consent will not be unreasonably withheld, and that Brighton is, prior
      to
      or simultaneously with such transfer, furnished with written notice of the
      name
      and address of such transferee or assignee, and such assignee agrees in writing
      to be bound by the terms hereof and provided further that, if the Note is only
      assigned or transferred in part, then such assignment shall only be made in
      part
      on an appropriate proportionate basis. If there is a conflict between this
      provision and any provision of the Related Agreements, this provision shall
      govern. 

    As
      a
      condition to any such assignment, the assignee shall warrant, represent and
      acknowledge to Brighton and to ZAGG that: (i) such assignee has adequate means
      of providing for its current needs and possible contingencies; (ii) such
      assignee has had an opportunity to ask questions of and receive answers from
      Brighton concerning its investment as evidenced by the Loan to Brighton, and
      all
      such questions have been answered to its full satisfaction; and (iii) such
      assignee has received no representations and warranties from Brighton other
      than
      those otherwise set forth herein; 

    

    8.
      NOTICES.
      Notices
      and other communications provided for herein shall be in writing (which shall
      include notice by facsimile transmission) and shall be delivered or mailed
      (or
      if by graphic scanning or other facsimile communications equipment of the
      sending party hereto, delivered by such equipment), addressed as follows:

    

    If
      to
      Brighton: 3540 East Bengal Blvd. Salt Lake City, Utah 84121

    

    If
      to
      ZAGG: 
      3855 So.
      500 West Suite J Salt Lake City, Utah 84115

    

    or
      to
      such other address as a party may from time to time designate in writing in
      accordance with this section. All notices and other communications given to
      any
      party hereto in accordance with the provisions of this Loan Agreement shall
      be
      deemed to have been given, when delivered if delivered by hand, when
      transmission confirmation is received if telecopied, three (3) week days after
      mailing if mailed, and two (2) business days after deposit with an overnight
      courier service if delivered by overnight courier. Notwithstanding the
      foregoing, if a notice or other communication is actually received after 5:00
      p.m. at the recipient's designated address, such notice or other communication
      shall be deemed to have been given the later of (i) the next business day
      or (ii) the business day on which such notice or other communication is
      deemed to have been given pursuant to the immediately preceding sentence.

    

    9.
      SEVERABILITY.
      If a
      court of competent jurisdiction determines that any provision of this Loan
      Agreement is invalid, unenforceable or illegal for any reason, such
      determination shall not affect or impair the validity, legality and
      enforceability of the other provisions of this Loan Agreement. If any such
      invalidity, unenforceability or illegality of a provision of this Loan Agreement
      becomes known or apparent to any of the parties hereto, the parties shall
      negotiate promptly and in good faith in an attempt to make appropriate changes
      and adjustments to such provision specifically and this Loan Agreement generally
      to achieve as closely as possible, consistent with applicable law, the intent
      and spirit of such provision specifically and this Loan Agreement
      generally.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    10.
      EXECUTION
      IN COUNTERPARTS.
      This
      Loan Agreement may be executed in counterparts, each of which shall be deemed
      an
      original, but all of which together shall constitute the same Loan
      Agreement.

    

    11.
      COSTS.
      Brighton shall pay all fees and disbursements (including reasonable attorneys’
fees) of ZAGG with respect to the enforcement of this Agreement and the Related
      Agreements.

    

    12.
      GOVERNING
      LAW.
      THIS
      LOAN AGREEMENT AND THE VALIDITY AND ENFORCEABILITY HEREOF SHALL BE GOVERNED
      BY
      AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH THE LAWS OF THE STATE OF UTAH
      WITHOUT GIVING EFFECT TO CONFLICT OF LAWS RULES OR CHOICE OF LAWS RULES THEREOF.
      EACH PARTY AGREES THAT ALL LEGAL PROCEEDINGS CONCERNING THE INTERPRETATIONS,
      ENFORCEMENT AND DEFENSE OF THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT
      (WHETHER BROUGHT AGAINST A PARTY HERETO OR ITS RESPECTIVE AFFILIATES, DIRECTORS,
      OFFICERS, SHAREHOLDERS, EMPLOYEES OR AGENTS) SHALL BE COMMENCED IN THE STATE
      AND
      FEDERAL COURTS SITTING IN THE CITY OF SALT LAKE CITY UTAH (THE "UTAH COURTS").
      EACH PARTY HERETO HEREBY IRREVOCABLY SUBMITS TO THE EXCLUSIVE JURISDICTION
      OF
      THE NEW YORK COURTS FOR THE ADJUDICATION OF ANY DISPUTE HEREUNDER OR IN
      CONNECTION HEREWITH OR WITH ANY TRANSACTION CONTEMPLATED HEREBY OR DISCUSSED
      HEREIN (INCLUDING WITH RESPECT TO THE ENFORCEMENT OF ANY TERM THE LOAN
      AGREEMENT), AND HEREBY IRREVOCABLY WAIVES, AND AGREES NOT TO ASSERT IN ANY
      SUIT,
      ACTION OR PROCEEDING, ANY CLAIM THAT IT IS NOT PERSONALLY SUBJECT TO THE
      JURISDICTION OF ANY SUCH COURT, OR SUCH NEW YORK COURTS ARE IMPROPER OR
      INCONVENIENT VENUE FOR SUCH PROCEEDING.

    

    

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    IN
      WITNESS WHEREOF, the parties have executed this Bridge Loan Agreement as of
      the
      date first written above.

    

    
      	
              BRIGHTON
                PARTNERS,
                LLC.

            	 	 	 
	 	 	 	 
	 	
              By:

            	
                                          
                                                       
                 

            	 
	 	
              Name:
                Cord Beatty

            	 
	 	
              Title:
                Managing Member

            	 
	
               

            	 	 	 
	
              ZAGG,
                INC.

            	 	 	 
	 	 	 	 
	 	
              By:

            	
                     
                                                                             

            	 
	 	
              Name:
                Robert G. Pedersen II

            	 
	 	
              Title:
                President & CEO

            	 

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    Exhibit
      A

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    Exhibit
      B

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    Exhibit
      C

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    Exhibit
      D

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