Document:

Exhibit

Exhibit 10.1

FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT
THIS FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (“Agreement”) is executed as of April 25, 2019, by and among WHEELER REIT, L.P., a Virginia limited partnership, (the “Borrower”), the Guarantors, KeyBank National Association, a national banking association (“KeyBank”), as administrative agent for the lenders (“Agent”), and the lenders from time to time party thereto (“Lenders”).  
RECITALS
A.The Borrower, the Guarantors, the Agent and the Lenders have entered into that certain Amended and Restated Credit Agreement dated as of December 21, 2017 (as same has been amended or modified from time to time, the “Credit Agreement”); capitalized terms used but not defined in this Agreement shall have the meanings defined for those terms in the Credit Agreement.
B.The Borrower and the Guarantor have requested that the Lenders agree to modify and/or waive certain provisions of the Credit Agreement, and the Agent and the Lenders have agreed to do so, provided Borrower, the Guarantors, Agent and the Lenders agree to amend the Credit Agreement as set forth herein.
NOW, THEREFORE, Borrower, the Guarantors, Agent and the Lenders agree as follows:
AGREEMENT
1.General Amendments:  Notwithstanding any term or condition of the Credit Agreement, the Borrower, the Guarantor, the Agent and the Lenders hereby agree as follows:  
a.    From and after the date hereof, no further Loans will be advanced or Letters of Credit issued under the Credit Agreement; all principal payments made shall simultaneously reduce the commitments of the Lenders under the Credit Agreement on a pro rata basis by the amount of such principal payment.
b.    Upon the execution hereof, the Borrower shall make a principal payment in the amount of $1,000,000.00.
c.    Commencing May 1, 2019, in addition to all other required payments due under this Agreement and the Credit Agreement, the Borrower shall make a principal amortization payment of Two Hundred Fifty Thousand and No/100 Dollars ($250,000.00) per month on the first business day of each month thereafter until the Loans are repaid in full.
d.      In addition to (and without limiting) the above-referenced payments, the Borrower shall pay to the Agent, to be applied in reduction of the outstanding Loan Exposure, the net proceeds of all capital events by the REIT, the Borrower or any of their Subsidiaries including, without limitation, all asset sales, refinancings and financings (secured, unsecured or otherwise), 

recapitalizations, equity issuances and other similar capital transactions (in each instance to the extent permitted under the Credit Agreement) consummated by the REIT, the Borrower or any Subsidiary thereof, with such which net proceeds being defined as the gross proceeds of such transaction less payment of all usual and customary closing costs incurred in closing such transactions and the repayment of any Indebtedness (if any) securing the subject asset(s) and, as to recapitalizations and equity issuances, after redemption or retirement of any Equity Interests being simultaneously redeemed or retired  All such payments shall be due within one (1) business day of receipt of such proceeds by the REIT, the Borrower or such Subsidiary.  
e.    On or before July 31, 2019, the outstanding principal balance of the Credit Agreement shall be reduced to an amount no greater than Twenty-Seven Million and No/100 Dollars ($27,000,000.00).  
f.    On or prior to September 30, 2019, the outstanding principal balance of the Loan Exposure under the Credit Agreement shall be reduced to the lesser of (i) Seven Million Five Hundred Thousand and No/Dollars ($7,500,000.00) or (ii) a principal amount such that the Debt Yield would be equal to twelve (12) percent. 
g.    Without limiting any of the terms and conditions of Section 3.6 of the Credit Agreement, provided the Borrower has strictly complied with all of the terms and conditions of this Agreement, the extension option provided under Section 3.6 shall remain available to the Borrower.
h.    Notwithstanding any provision of the Credit Agreement, including, without limitation, Section 5.4 thereof, any release of any Collateral Properties under the Credit Agreement shall be subject to the approval of, and satisfaction of such terms and conditions imposed by, the Agent in its sole discretion; notwithstanding the foregoing, provided no Default or Event of Default shall then be in existence, the Agent agrees to release the Collateral Property owned by (i) WHLR-LABURNUM SQUARE, LLC upon receipt of a principal payment equal to the greater of $7,550,000.00 or the net proceeds (after payment of usual and customary closing costs) from the refinancing of such Collateral Property, and (ii) WHLR-VILLAGE OF MARTINSVILLE, LLC upon receipt of a principal payment equal to the greater of $15,400,000.00 or the net proceeds (after payment of usual and customary closing costs) from the refinancing of such Collateral Property.
i.    From and the date hereof, the concept of and all references to “Borrowing Base Availability” shall be deemed deleted and of no further force and effect.  
2.    Amendment to Credit Agreement.  The Credit Agreement is hereby further specifically amended as follows:
a.    The definition of Applicable Margin is hereby amended by inserting the following new sentence at the end thereof: 

Notwithstanding the foregoing, in the event the outstanding Loan Exposure shall exceed Eleven Million and No/100 Dollars ($11,000,000.00) at any time after August 31, 2019, the Applicable Margin shall thereafter at all times be equal to (a) 3.50% for LIBOR Rate Loans, and (b) 2.50 % for Base Rate Loans.  
b.    Section 9.7 of the Credit Agreement is hereby deleted in its entirety and shall be replaced by the following:
9.7  Interest Coverage.  The ratio of Adjusted Net Operating Income to interest paid and payable under this Agreement for the prior two quarters shall not be less than 1.30 to 1.0 at any date of determination, in each instance adjusted for, in a manner reasonably acceptable to the Agent, (a) the release of any Collateral Properties and the corresponding repayment of Loans in connection therewith, and (b) full Adjusted Net Operating Income from new tenants in place,  operating and paying rent for a period of less than the full prior two quarter period. 
3.    Fees.  On or prior to the execution of this Agreement, Borrower shall pay to Agent all reasonable costs and expenses of the Agent in connection with the loan arrangement and this Agreement, including, without limitation, reasonable legal fees and expenses incurred by Agent.
4.    Waiver.  By their execution hereof, the Agent and the Lenders hereby waive any Event of Default existing under the Credit Agreement as a result of the failure of the Borrower to reduce the Overadvance to $0 by March 31, 2019.
5.    Representations and Warranties.  Borrower and each Guarantor represent and warrant to Agent that, as of the Effective Date (as defined below), except as disclosed in writing by Borrower to Agent on or prior to the date hereof and approved by the Agent in writing (which disclosures shall be deemed to amend the Schedules and other disclosures delivered as contemplated in the Credit Agreement), the representations and warranties contained in the Credit Agreement and the other Loan Documents are true and correct in all material respects, except where any such representation and warranty is limited to a specific date prior to the Effective Date or where the failure would not have a Material Adverse Effect.  As of the Effective Date and after giving effect to this Agreement, no Default or Event of Default is in existence.
6.    Further Assurances.  Borrower and each Guarantor agrees to execute and deliver such other instruments and documents and take such other action, as the Agent may reasonably request, in connection with the transactions contemplated by this Agreement.
7.    GOVERNING LAW.  THIS AGREEMENT SHALL BE DEEMED TO BE A CONTRACTUAL OBLIGATION UNDER, AND SHALL, PURSUANT TO NEW YORK GENERAL OBLIGATIONS LAW SECTION 5-1401, BE GOVERNED BY AND CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

8.    Counterparts.  This Agreement, which may be executed in multiple counterparts, constitutes the entire agreement of the parties regarding the matters contained herein and shall not be modified by any prior oral or written discussions.  Delivery of an executed counterpart of a signature page of this Agreement by telecopy or other electronic imaging transmission (e.g. PDF by email) shall be effective as delivery of a manually executed counterpart of this Agreement. This Agreement is a Loan Document. Borrower and the Guarantors hereby ratify, confirm and reaffirm all of the terms and conditions of the Credit Agreement, and each of the other Loan Documents, and further acknowledge and agree that all of the terms and conditions of the Credit Agreement shall remain in full force and effect except as expressly provided in this Agreement.  Except where the context clearly requires otherwise, all references to the Credit Agreement in any other Loan Document shall be to the Credit Agreement as amended by this Agreement.
9.    Waiver/Release.  Each Loan Party acknowledges and agrees that it has no claims, counterclaims, offsets, defenses or causes of action against the Agent or any Lender with respect to amounts outstanding and owing to the Agent and/or any of the Lenders under the Loan Documents.  To the extent such claims, counterclaims, offsets, defenses and/or causes of actions that exist as of the date hereof, each Loan Party WAIVES same and RELEASES the Agent and the Lenders from any and all liability in connection therewith.
10.    Effective Date.  The effective date (the “Effective Date”) of this Agreement is the date first written above.
[Signature Page to Follow]

IN WITNESS WHEREOF, each party has executed this Agreement under seal as of the day and year first above written.
BORROWER:

WHEELER REIT, L.P., a Virginia limited partnership

		
	By:
	WHEELER REAL ESTATE INVESTMENT TRUST, INC., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO
 

WHEELER REAL ESTATE INVESTMENT TRUST, INC., a Maryland corporation

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

SUBSIDIARY GUARANTORS:

WHLR-DARIEN, LLC, a Delaware limited liability company
		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

[SIGNATURES CONTINUE ON FOLLOWING PAGE]

WHLR-DEVINE STREET, LLC, a Delaware limited liability company
		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

WHLR-LAKE MURRAY, LLC, a Delaware limited liability company
		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

WHLR-LITCHFIELD MARKET VILLAGE, LLC, a Delaware limited liability company
		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

[SIGNATURES CONTINUE ON FOLLOWING PAGE]

WHLR-MONCKS CORNER, LLC, a Delaware limited liability company
		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

WHLR-SHOPPES AT MYRTLE PARK, LLC, a Delaware limited liability company

		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

WHLR-SOUTH LAKE POINTE, LLC, a Delaware limited liability company
		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

[SIGNATURES CONTINUE ON FOLLOWING PAGE]

WHLR-ST. MATTHEWS, LLC, a Delaware limited liability company
		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

WHLR-LABURNUM SQUARE, LLC, a Delaware limited liability company
		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

WHLR-VILLAGE OF MARTINSVILLE, LLC, a Delaware limited liability company
		
	By:  
	Wheeler REIT, L.P., a Virginia limited partnership, its Sole Member

		
	By:  
	Wheeler Real Estate Investment Trust, Inc., a Maryland corporation, its general partner

By: /s/ David Kelly
Name: David Kelly
Title: President and CEO

[SIGNATURES CONTINUE ON FOLLOWING PAGE]

KEYBANK NATIONAL ASSOCIATION, as Agent and Lender
By:     /s/ Thomas Z. Schmitt 
Name:    Thomas Z. Schmitt
Title:     Assistant Vice President

2466976.6CareView Communications, Inc. 8-K

 

Exhibit
10.20

 

THIRTEENTH AMENDMENT TO MODIFICATION
AGREEMENT

 

This THIRTEENTH AMENDMENT
TO MODIFICATION AGREEMENT (this “Amendment”) is made and entered into as of April 29, 2019 (the
“Amendment Effective Date”), by and among CAREVIEW COMMUNICATIONS, INC., a Nevada corporation (“Holdings”),
CAREVIEW COMMUNICATIONS, INC., a Texas corporation and a wholly owned subsidiary of Holdings (the “Borrower”),
CAREVIEW OPERATIONS, L.L.C., a Texas limited liability company (the “Subsidiary Guarantor”), and PDL
INVESTMENT HOLDINGS, LLC (as assignee of PDL BioPharma, Inc.), a Delaware limited liability company (both in its capacity as the
lender (“Lender”) and in its capacity as Agent (solely in such capacity as Agent, the “Agent”))
under the Credit Agreement (as defined below).

RECITALS

A.       

Reference is made to
that certain Credit Agreement dated as of June 26, 2015, among Holdings, the Borrower, the Lender and the Agent (as amended, supplemented
or modified as of the date hereof (the “Credit Agreement”), including pursuant to that certain First
Amendment to Credit Agreement dated as of October 7, 2015, that certain Modification Agreement dated as of February 2, 2018 (the
“Modification Agreement”), that certain Second Amendment to Credit Agreement dated as of February 23,
2018 (the “Second Amendment”), that certain Amendment to Modification Agreement dated as of May 31, 2018
(the “First Modification Amendment”), that certain Second Amendment to Modification Agreement dated as
of June 14, 2018 (the “Second Modification Amendment”), that certain Third Amendment to Modification
Agreement dated as of June 28, 2018 (the “Third Modification Amendment”), that certain Third Amendment
to Credit Agreement dated as of July 13, 2018, that certain Fourth Amendment to Modification Agreement dated as of August
31, 2018 (the “Fourth Modification Amendment”), that certain Fifth Amendment to Modification Agreement
dated as of September 28, 2018 (the “Fifth Modification Amendment”), that certain Sixth Amendment
to Modification Agreement dated as of November 12, 2018 (the “Sixth Modification Amendment”),
that certain Seventh Amendment to Modification Agreement dated as of November 19, 2018 (the “Seventh Modification Amendment”),
that certain Eighth Amendment to Modification Agreement dated as of December 3, 2018 (the “Eighth Modification
Amendment”), that certain Ninth Amendment to Modification Agreement dated as of December 17, 2018 (the “Ninth
Modification Amendment”), that certain Tenth Amendment to Modification Agreement dated as of January 31, 2019 (the
“Tenth Modification Amendment”), that certain Eleventh Amendment to Modification Agreement dated as of
February 28, 2019 (the “Eleventh Modification Amendment”), that certain Twelfth Amendment to Modification
Agreement dated as of March 29, 2019 (the “Twelfth Modification Amendment”) and that certain Fourth
Amendment to Credit Agreement dated as of April 9, 2019; capitalized terms used and not defined in this Amendment shall have
the meaning set forth in the Credit Agreement.

B.       

Pursuant to the Modification
Agreement, as amended by the First Modification Amendment, the Fifth Modification Amendment, the Sixth Modification Amendment,
the Seventh Modification Amendment, the Eighth Modification Amendment, the Ninth Modification Amendment, the Tenth Modification
Amendment, the Eleventh Modification Amendment and the Twelfth Modification Amendment, the parties agreed that the term, “Modification
Termination Event” would mean the earliest to occur of: (a) the occurrence of any Event of Default under any Loan Documents
that does not constitute a Covered Event; (b) the occurrence of any Agreement Event of Default; (c) the Lender’s
delivery to Holdings and the Borrower of a Lender Termination Notice; and (d) April 30, 2019, subject to the Lender’s
right, in its sole discretion, to terminate the Modification Period on July 31, 2018 and April 30, 2019 (with each such date permitted
to be extended by the Lender in its sole discretion).

C.       

The parties wish to
enter into this Amendment to extend the first date referred to in Recital B.(d) above from “April 30, 2019” until “May
15, 2019”.

D.       

Pursuant to the Modification
Agreement, as amended by the Second Amendment, the parties agreed that the Borrower shall obtain (i) at least $2,050,000 in
net cash proceeds from the issuance of Capital Stock (other than Disqualified Stock) or Debt on or prior to February 23, 2018
(which obligation Borrower satisfied by Holdings’ issuance of Debt pursuant to that certain Eighth Amendment to Note and
Warrant Purchase Agreement dated as of February 23, 2018) and (ii) an additional $3,000,000 in net cash proceeds from the
issuance of Capital Stock (other than Disqualified Stock) or Debt on or prior to May 31, 2018 (resulting in aggregate net
cash proceeds of at least $5,050,000).

    	 	 	 

    	 

    

E.       

Pursuant to the First
Modification Amendment, as amended by the Second Modification Amendment, the Third Modification Amendment, the Fourth Modification
Amendment, the Fifth Modification Amendment, the Sixth Modification Amendment, the Seventh Modification Amendment, the Eighth Modification
Amendment, the Ninth Modification Amendment, the Tenth Modification Amendment, the Eleventh Modification Amendment and the Twelfth
Modification Amendment, the parties agreed, among other things, to provide that the Borrower shall satisfy its obligation to obtain
financing referenced in Recital D above by obtaining: (i) at least $2,050,000 in net cash proceeds from the issuance
of Capital Stock (other than Disqualified Capital Stock) or Debt on or prior to February 23, 2018; and (ii) an additional
(A) $750,000 in net cash proceeds from the issuance of Capital Stock (other than Disqualified Capital Stock) or Debt on or
prior to July 13, 2018 and (B) $750,000 in net cash proceeds from the issuance of Capital Stock (other than Disqualified Capital
Stock) or Debt on or prior to April 30, 2019 (resulting in aggregate net cash proceeds of $3,550,000).

F.       

The parties also wish
to enter into this Amendment to extend the date referred to in Recital E.(ii)(B) above from “April 30, 2019” until
“May 15, 2019”.

G.       

Pursuant to the Modification
Agreement, as amended, the parties agreed that subject to the terms and conditions set forth therein, so long as no Modification
Termination Event shall have occurred, the occurrence and continuance of any of the Covered Events shall not constitute Events
of Default from the Effective Date through the end of the Modification Period and, for the avoidance of doubt, that the Default
Rate shall not apply during the Modification Period.

H.       

Pursuant to the Modification
Agreement, as amended by the Ninth Modification Amendment, the Tenth Modification Amendment, the Eleventh Modification Amendment
and the Twelfth Modification Amendment, the parties agreed to defer the Borrower’s interest payments that would otherwise
be due to Lender on December 31, 2018 and March 31, 2019 until April 30, 2019 (the end of the extended Modification
Period as referenced in Recital C above), and to treat such deferrals of the interest payments as a “Covered Event”.

I.       

The parties acknowledge
that this Amendment will extend the date of the end of the extended Modification Period referred to in Recital H above (and the
date of the Borrower’s interest payments that would have otherwise been due to Lender on December 31, 2018 and March 31,
2019) from April 30, 2019 until May 15, 2019.

J.       

Pursuant to the Modification
Agreement, as amended by the First Modification Amendment, the Fifth Modification Amendment, the Sixth Modification Amendment,
the Seventh Modification Amendment, the Eighth Modification Amendment, the Ninth Modification Amendment, the Tenth Modification
Amendment, the Eleventh Modification Amendment and the Twelfth Modification Amendment, the parties also agreed that (i) the
Lender shall have a right to terminate the Modification Period (as defined in the Modification Agreement) on July 31, 2018 and
April 30, 2019 (with each such date permitted to be extended by the Lender in its sole discretion).

K.       

The parties also wish
to enter into this Amendment to extend the date for Lender to terminate the Modification Period from April 30, 2019 until May 15,
2019.

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

Article
I.

AMENDMENTs TO MODIFICATION AGREEMENT

Upon the Amendment
Effective Date:

1.1       

Modification Period.
Section 2 of the Modification Agreement, as amended by the First Modification Amendment, the Fifth Modification Amendment, the
Sixth Modification Amendment, the Seventh Modification Amendment, the Eighth Modification Amendment, the Ninth Modification Amendment,
the Tenth Modification Amendment, the Eleventh Modification Amendment and Twelfth Modification Amendment, is amended and restated
in its entirety as follows:

    	 	2	 

    	 

    

“2.

Modification
Period. Subject to the terms and conditions set forth herein, so long as no Modification Termination Event (as defined below)
shall have occurred, each of the Agent and the Lender agrees that the occurrence and continuance of any of the Covered Events shall
not constitute Events of Default from the Effective Date through the earliest to occur of any Modification Termination Event (the
“Modification Period”) and, for the avoidance of doubt, that the Default Rate shall not apply during the Modification
Period. As used herein, “Modification Termination Event” shall mean the earliest to occur of: (a) the occurrence of
any Event of Default under any Loan Documents that does not constitute a Covered Event; (b) the occurrence of any Agreement Event
of Default (as defined below); (c) the Lender’s delivery to Holdings and the Borrower of a Lender Termination Notice (as
defined below); and (d) May 15, 2019, subject to the Lender’s right, in its sole discretion, to terminate the Modification
Period on July 31, 2018 and May 15, 2019 (with each such date permitted to be extended by the Lender in its sole discretion).
Notwithstanding any other provision of this Modification Agreement or any other Loan Document, all principal and interest otherwise
due to Lender through the end of the Modification Agreement shall be due and payable at the end of the Modification Period and
if not paid in full in Cash at that time shall bear interest at the Default Rate from and after the end of the Modification Period.”

1.2       

Deadline for Raising
Monies. The first sentence of Section 5(a) of the Modification Agreement, as previously amended by the Second Amendment, the
First Modification Amendment, the Second Modification Amendment, the Third Modification Amendment, the Fourth Modification Amendment,
the Fifth Modification Amendment, the Sixth Modification Amendment, the Seventh Modification Amendment, the Eighth Modification
Amendment, the Ninth Modification Amendment, the Tenth Modification Amendment, the Eleventh Modification Amendment and Twelfth
Modification Amendment, is amended and restated in its entirety as follows:

“(a)
The Borrower shall obtain: (i) at least $2,050,000 in net cash proceeds from the issuance of Capital Stock (other than Disqualified
Capital Stock) or Debt on or prior to February 23, 2018; and (ii) an additional (A) $750,000 in net cash proceeds from
the issuance of Capital Stock (other than Disqualified Capital Stock) or Debt on or prior to July 13, 2018 and (B) $750,000
in net cash proceeds from the issuance of Capital Stock (other than Disqualified Capital Stock) or Debt on or prior to May 15,
2019 (resulting in aggregate net cash proceeds of $3,550,000); provided that all such Debt described in clauses (i) and (ii) shall
be subordinated to the Loans under the Credit Agreement on terms satisfactory to the Lender in its sole discretion.”

Article
II.

REPRESENTATIONS AND WARRANTIES

In order to induce
the Agent and the Lender to enter into this Amendment, each of Holdings, the Borrower and the Subsidiary Guarantor hereby represents
and warrants to the Agent and the Lender that as of the date hereof, both prior to and after giving effect to this Amendment:

2.1       

Organization.
Holdings is a corporation validly existing and in good standing under the laws of the State of Nevada; the Borrower is a corporation
validly existing and in good standing under the laws of the State of Texas; and each other Loan Party and each of its Subsidiaries
is duly organized, validly existing and in good standing (as applicable) under the laws of the jurisdiction of its incorporation
or organization. Each Loan Party has all power and authority and all material governmental approvals required for the ownership
and operation of its properties and the conduct of its business as now conducted and as proposed to be conducted and is qualified
to do business, and is in good standing (as applicable), in every jurisdiction where, because of the nature of its activities or
properties, such qualification is required, except for such jurisdictions where the failure to so qualify could not reasonably
be expected to have a Material Adverse Effect.

2.2       

Due Authorization.
The execution, delivery and performance of this Amendment, and the performance of its obligations under the Modification Agreement
and Credit Agreement, each as amended hereby, have been duly authorized by all necessary action on the part of each Loan Party
that is a party hereto.

    	 	3	 

    	 

    

 

2.3       

No Conflict.
The execution, delivery and performance of this Amendment by each Loan Party that is a party hereto and the consummation of the
transactions contemplated hereby do not and will not (a) require any consent or approval of, or registration or filing with or
any other action by, any Governmental Authority (other than any consent or approval which has been obtained and is in full force
and effect), (b) conflict with (i) any provision of material Applicable Law, (ii) the charter, by-laws, limited liability company
agreement, partnership agreement or other organizational documents of any Loan Party or (iii) any material agreement, indenture,
instrument or other document, or any judgment, order or decree, which is binding upon any Loan Party or any of their respective
properties or (c) require, or result in, the creation or imposition of any Lien on any asset of Holdings, the Borrower or any other
Loan Party (other than Permitted Liens and Liens in favor of the Agent created pursuant to the Collateral Documents).

2.4       

Incorporation of
Representations and Warranties from Loan Documents. Each representation and warranty by each Loan Party that is a party hereto
contained in the Modification Agreement, the Credit Agreement or in any other Modification Document or Loan Document to which such
Loan Party is a party is true and correct in all material respects (without duplication of any materiality qualifier contained
therein) as of the date hereof (or as of a specific earlier date if such representation or warranty expressly relates to an earlier
date).

2.5       

No Default.
Both prior to (except as expressly waived in Section 1.3 of the Twelfth Modification Amendment with the addition of item (v)
to Recital C as a Covered Event) and after giving effect to this Amendment, no Default or Event of Default has occurred and is
continuing, and no Default or Event of Default will result from the execution and delivery of this Amendment and the consummation
of the transactions contemplated herein.

2.6       

Validity; Binding
Nature. This Amendment has been duly executed by each Loan Party that is a party hereto, and each of (i) this Amendment, (ii) the
Modification Agreement as amended hereby and (iii) the Credit Agreement as amended hereby is the legal, valid and binding obligation
of each Loan Party that is a party hereto, enforceable against such Person in accordance with its terms, subject to bankruptcy,
insolvency and similar laws affecting the enforceability of creditors’ rights generally and to general principles of equity.

Article
III.

MISCELLANEOUS

3.1       

Modification and
Loan Document. This Amendment is a Modification Document and Loan Document executed pursuant to the Credit Agreement and shall
(unless otherwise expressly indicated therein) be construed, administered and applied in accordance with the terms and provisions
of the Credit Agreement.

3.2       

Effect of Amendment.
Except as expressly set forth herein, this Amendment shall not by implication or otherwise limit, impair, constitute a waiver of,
or otherwise affect, the rights and remedies of the parties to the Credit Agreement and shall not alter, modify, amend or in any
way affect any of the terms or conditions contained therein, all of which are ratified and affirmed in all respects and shall continue
in full force and effect. Nothing herein shall be deemed to entitle any Loan Party to any future consent with respect to, or waiver,
amendment, modification or other change of, any of the terms or conditions contained in the Credit Agreement in similar or different
circumstances. Except as expressly stated herein, the Agent and the Lender reserve all rights, privileges and remedies under the
Loan Documents. All references in the Credit Agreement and the other Loan Documents to the Credit Agreement shall be deemed to
be references to the Credit Agreement as modified hereby.

3.3       

Reaffirmation.
Each of Holdings, the Borrower and the Subsidiary Guarantor hereby reaffirms its obligations under each Modification Document and
Loan Document to which it is a party. Each of Holdings, the Borrower and the Subsidiary Guarantor hereby further ratifies and reaffirms
the validity and enforceability of all of the liens and security interests heretofore granted, pursuant to and in connection with
the Guarantee and Collateral Agreement or any other Loan Document, to the Agent, as collateral security for the obligations under
the Loan Documents in accordance with their respective terms, and acknowledges that all of such liens and security interests, and
all Collateral heretofore pledged as security for such obligations, continue to be and remain collateral for such obligations from
and after the date hereof.

    	 	4	 

    	 

    

 

3.4       

Fees and Expenses.
The Borrower agrees to pay within five Business Days of the Amendment Effective Date, by wire transfer of immediately available
funds to an account of the Agent designated in writing, reimbursement from the Borrower of all costs and expenses incurred by the
Agent and the Lender in connection with this Amendment, including any and all fees payable or owed to Gibson, Dunn & Crutcher
LLP in connection with the drafting, negotiation, and execution of this Amendment.

3.5       

Counterparts.
This Amendment may be executed by the parties hereto in several counterparts, each of which shall be deemed to be an original and
all of which shall constitute together but one and the same agreement. Delivery of an executed signature page of this Amendment
by facsimile transmission or electronic transmission shall be as effective as delivery of a manually executed counterpart hereof.

3.6       

Construction; Captions.
Each party hereto hereby acknowledges that all parties hereto participated equally in the negotiation and drafting of this Amendment
and that, accordingly, no court construing this Amendment shall construe it more stringently against one party than against the
other. The captions and headings of this Amendment are for convenience of reference only and shall not affect the interpretation
of this Amendment.

3.7       

Successors and Assigns.
This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns
(as permitted under the Credit Agreement).

3.8       

GOVERNING LAW.
THIS AMENDMENT, THE RIGHTS AND OBLIGATIONS OF THE PARTIES HERETO, AND ANY CLAIMS OR DISPUTES RELATING THERETO SHALL BE GOVERNED
BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES (OTHER
THAN SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW).

3.9       

Severability.
The illegality or unenforceability of any provision of this Amendment or any instrument or agreement required hereunder shall not
in any way affect or impair the legality or enforceability of the remaining provisions of this Amendment or any instrument or agreement
required hereunder.

3.10       

Release of Claims.
In consideration of the Lender’s and Agent’s agreements contained in this Amendment, each of Holdings, the Borrower
and the Subsidiary Guarantor hereby releases and discharges the Lender and the Agent and their affiliates, subsidiaries, successors,
assigns, directors, officers, employees, agents, consultants and attorneys (each, a “Released Person”)
of and from any and all other claims, suits, actions, investigations, proceedings or demands, whether based in contract, tort,
implied or express warranty, strict liability, criminal or civil statute or common law of any kind or character, known or unknown,
which Holdings, the Borrower or the Subsidiary Guarantor ever had or now has against the Agent, any Lender or any other Released
Person which relates, directly or indirectly, to any acts or omissions of the Agent, any Lender or any other Released Person relating
to the Modification Agreement or Credit Agreement or any other Modification Document or Loan Document on or prior to the date hereof.

[Signature page follows]

    	 	5	 

    	 

    

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

 

 

	 	CAREVIEW COMMUNICATIONS, INC.,
	 	a Nevada corporation,
	 	as Holdings
	 	 
	 	By:	/s/ Steven G. Johnson	 
	 	 	Name:  Steven G. Johnson	 
	 	 	Title:    President and Chief Executive Officer	 
	 	 	 
	 	CAREVIEW COMMUNICATIONS, INC.,
	 	a Texas corporation,
	 	as Borrower
	 	 
	 	By:  	/s/ Steven G. Johnson
	 	 	Name:  Steven G. Johnson	 
	 	 	Title:    President and Chief Executive Officer	 
	 	 	 
	 	CAREVIEW OPERATIONS, L.L.C.,
	 	a Texas limited liability company,
	 	as Subsidiary Guarantor
	 	 
	 	By:  	/s/ Steven G. Johnson	 
	 	 	Name:  Steven G. Johnson	 
	 	 	Title:    President and Chief Executive Officer	 

 

 

 

[Signature Page to Thirteenth Amendment
to Modification Agreement]

 

    	 

    	 

    

 

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

 

 

	 	PDL INVESTMENT HOLDINGS, LLC,
	 	a Delaware limited liability company,
	 	as Agent
	 	 
	 	By:	/s/ Christopher Stone
	 	 	Name:  Christopher Stone
	 	 	Title:    CEO and Treasurer
	 	 
	 	PDL INVESTMENT HOLDINGS, LLC,
	 	a Delaware limited liability company,
	 	as Lender
	 	 
	 	By:	/s/ Christopher Stone
	 	 	Name:  Christopher Stone
	 	 	Title:    CEO and Treasurer

 

 

 

[Signature Page to Thirteenth Amendment
to Modification Agreement]

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