Document:

Exhibit 10.22

     

    SIXTH AMENDMENT

      TO

      LOAN AND SECURITY AGREEMENT

     

    This Sixth Amendment to Loan and Security Agreement is entered into as of March 18, 2019 (the “Amendment”), by and between HERITAGE BANK OF COMMERCE (“Bank”), DIGITAL GLOBE SERVICES INC. (“Digital”), TELSATONLINE, INC. (“TelSat”) and 7
      DEGREES LLC (“7 Degrees”).

     

    RECITALS

     

    Digital, TelSat and 7 Degrees (individually and collectively referred to herein as “Borrower”) and Bank are parties to that certain Loan and Security Agreement dated as of March 31, 2015 and as amended from time to time, including
      pursuant to that certain First Amendment to Loan and Security Agreement dated as of March 31, 2016, that certain Second Amendment to Loan and Security Agreement dated as of June 2, 2017, that certain Third Amendment to Loan and Security Agreement
      entered into on November 27, 2017, that certain Fourth Amendment to Loan and Security Agreement dated as of August 6, 2018 and that certain Fifth Amendment to Loan and Security Agreement dated as of January 31, 2019 (collectively, the “Agreement”). 
      The parties desire to amend the Agreement in accordance with the terms of this Amendment.  Capitalized terms used without definition herein shall have the meanings assigned to them in the Agreement.

     

    NOW, THEREFORE, the parties agree as follows:

     

    1.            The following definitions are added to Section 1.1 of the Agreement in alphabetical order:

     

    “Call Center Loans” means any loans made by a Borrower to IBEX Philippines used to establish and/or expand its call centers in the Philippines to support its (and its Affiliates) operations and
      business.

     

    “IBEX Philippines” means Ibex Global Solutions (Philippines) Inc., an indirect subsidiary of IBEX Global Limited.

     

    “Sixth Amendment Date” means March 18, 2019.

     

    “Term Loan Maturity Date” means March 1, 2023.

     

    2.            The following definitions in Section 1.1 of the Agreement are amended and restated in its entirety to read as follows:

     

    “Credit Extension” means each Advance, each Term Loan, or any other extension of credit by Bank for the benefit of Borrowers hereunder.

     

    3.            The following is added as a new clause (c) to the end of the defined term “Permitted Investments” in Section 1.1 of the Agreement:

     

    (c)          the Call Center Loans, subject to compliance with Section 7.12, and prompt delivery to Bank of any promissory notes, instruments or other documentation evidencing the Call Center Loans
      when such loans are made.

     

    4.          The following is added as a new subsection (b) to the end of Section 2.1 of the Agreement:

     

    (b)          Term Loans.

    

    

    (i)          Subject to and upon the terms and conditions of this Agreement, at any time during the six month period following the Sixth Amendment Date, Borrower may request, and
      Bank agrees to make, term loan cash advances to Borrower (each, a “Term Loan”) in an aggregate amount not to exceed Two Million Dollars ($2,000,000), with each Term Loan in a minimum amount of at least Five Hundred Thousand Dollars ($500,000).

  

  
    1

    
      
 

  

  
    

    

    (ii)          Interest shall accrue from the date of each Term Loan at the rate specified in Section 2.3, and shall be payable monthly on the first day of each month so long as any
      Term Loan is outstanding, beginning with the first day of the first month following the month in which such Term Loan is made.  Beginning on the first day of the first month following the first anniversary of the Sixth Amendment Date, and continuing
      on the first day of each month thereafter for a total period of thirty six (36) months, Borrower shall make equal monthly payments of principal on account of the aggregate amount of outstanding Term Loans (each a “Scheduled Payment”). On the Term
      Loan Maturity Date, all amounts owing with respect to such the Term Loans, including all outstanding principal, accrued interest, and Bank Expenses, shall be immediately due and payable. Borrower shall have the option to prepay all or any portion of
      the Term Loans made by Bank under this Agreement without penalty or premium; any prepayment shall be applied to the Scheduled Payments in reverse order of due date.

    

    

    (iii)         Whenever Borrower desires a Term Loan, Borrower will notify Bank no later than 3:00 p.m. Pacific Time, on the Business Day that is at least one day prior to the date
      the Term Loan is requested to be made.  Each such notification shall be made by delivering to Bank a request form in substantially the form of Exhibit B-1 attached hereto.   Bank is authorized to make Term Loan under this Agreement, based upon
      instructions received from a Responsible Officer or a designee of a Responsible Officer; and Bank shall be entitled to rely on any notice given by a person who Bank reasonably believes to be a Responsible Officer or a designee thereof, and Borrower
      shall indemnify and hold Bank harmless for any damages or loss suffered by Bank as a result of such reliance.  Bank will credit the amount of Term Loan made under this Section 2.1(b) to Borrower’s deposit account.

    

    

    5.           The following is added as a new subsection (ii) to the end of Section 2.3(a):

     

    (ii)          Term Loan. Except as set forth in Section 2.3(b), the Term Loan shall bear interest, on the outstanding Daily Balance thereof, at a rate equal to two and one half percent (2.5%) above
      the Prime Rate.

     

    6.          Section 6.3(c) of the Agreement is amended and restated in its entirety to read as follows:

     

    (c) As soon as available, but in any event no more than one hundred eighty (180) days after Borrower’s fiscal year end (or within one hundred twenty (120) days after Borrower’s fiscal year end,
      following the public offering of IBEX’s shares), audited financial statements of IBEX prepared in accordance with IFRS, consistently applied, together with an unqualified opinion on such financial statements of an independent certified public accounting firm selected by IBEX and reasonably acceptable to Bank; along with the consolidating financial
      statements of each Borrower.

     

    7.           Effective as of the date the first Term Loan is advanced to Borrower, Section 6.9(a) of the Agreement is amended and restated in its entirety to read as follows:

     

    (a)          Adjusted EBITDA.

     

    (i)          Prior to the funding of the initial Term Loan and beginning with the quarter ended June 30, 2018, Borrower’s trailing twelve months’ Adjusted EBITDA shall be at least
      $300,000, measured on a quarterly basis as of the last day of each calendar quarter.

     

    (ii)          Following the funding of the initial Term Loan and for so long as any Term Loans are outstanding, Borrowers’ trailing twelve months’ Adjusted EBITDA, measured on the
      last day of each calendar quarter beginning with the twelve month period ending on the calendar quarter in which the first Term Loan is advanced to Borrowers through the twelve month period ending on December 31, 2019 shall be at least $750,000; and
      Borrowers’ trailing twelve months’ Adjusted EBITDA, measured on the last day of each calendar quarter  beginning with the twelve month period ending on March 31, 2020 and thereafter shall be at least $940,000.

     

    
      2

      
        
 

    

    (iii)          Following the repayment in full of all Term Loans, Borrowers’ trailing twelve months’ Adjusted EBITDA shall be measured on the last day of each calendar quarter, and shall be at least
      $300,000.

     

    (iv)           Solely for purposes of determining Borrowers’ compliance with the foregoing, Borrower may include a one-time add back revenue adjustment of $900,000 to the Adjusted EBITDA for the
      period ended September 30, 2018.

     

    8.          The following is added as a new Section 7.12 and 7.13 to the end of Section 7 of the Agreement:

     

    7.12         Call Center Loans.  The aggregate principal amount of the Call Center Loans shall not exceed the aggregate amount of the proceeds received by Borrower from the Term Loans that are loaned
      to IBEX Philippines to acquire equipment for the new call center being established in the Philippines. The Call Center Loans may not be forgiven or its repayment terms modified without Bank’s prior written consent.

     

    7.13         Intercompany Services Agreement.  Borrowers shall not modify or amend any terms of the intercompany services agreement with IBEX Philippines (or any Subsidiary or Affiliate thereof) that
      would result in the reduction, delay, or waiver of any payments due to such Borrower without Bank’s prior written consent.

     

    9.           Section 9.2(b) of the Agreement is amended and restated in its entirety to read as follows:

     

    (b) notify all account debtors with respect to the Accounts to pay Bank directly and notify any other debtors of a Borrower to pay any obligations owing to a Borrower by such debtor to Bank directly
      (including with respect to the DGS Sale Note and any Call Center Loans);

     

    10.          The Exhibit B-1 attached hereto is incorporated in its entirety as Exhibit B-1 to the Agreement.

     

    11.          Exhibit D to the Agreement is replaced in its entirety with the Exhibit D attached hereto.

     

    12.          Each Borrower represents and warrants that the representations and warranties contained in the Agreement are true and correct as of the date of this Amendment, and
      that no Event of Default has occurred and is continuing.

     

    13.          Unless otherwise defined, all initially capitalized terms in this Amendment shall be as defined in the Agreement.  The Agreement, as amended hereby, shall be and
      remain in full force and effect in accordance with its respective terms and hereby is ratified and confirmed in all respects.  Except as expressly set forth herein, the execution, delivery, and performance of this Amendment shall not operate as a
      waiver of, or as an amendment of, any right, power, or remedy of Bank under the Agreement, as in effect prior to the date hereof.  Each Borrower ratifies and reaffirms the continuing effectiveness of all agreements entered into in connection with the
      Agreement.

     

    14.          This Amendment may be executed in two or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. In
      the event that any signature is delivered by facsimile transmission or by e-mail delivery of a “.pdf” format data file, such signature shall create a valid and binding obligation of the party executing (or on whose behalf such signature is executed)
      with the same force and effect as if such facsimile or “.pdf” signature page were an original hereof.  Notwithstanding the foregoing, Borrowers shall deliver all original signed documents promptly following execution.

     

    
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    15.          As a condition to the effectiveness of this Amendment, Bank shall have received, in form and substance satisfactory to Bank, the following:

     

    (a)          the original signed Amendment duly executed by Borrowers;

     

    (b)          corporate resolutions and incumbency certificate executed by each Borrower;

     

    (c)          unconditional guarantee executed by IBEX Global Limited;

     

    (d)          unconditional guarantee executed by Parent;

     

    (e)          affirmation of pledge agreement executed by Parent;

     

    (f)          payment of a Term Loan facility fee in the amount of $20,000 plus all Bank Expenses incurred through the date hereof; and

     

    (g)          such other documents, and completion of such other matters, as Bank may reasonably deem necessary or appropriate.

     

    [SIGNATURE PAGE FOLLOWS]

     

    
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    IN WITNESS WHEREOF, the undersigned have executed this Amendment as of the first date above written.

    	 	 	 	 	 
	 	
            DIGITAL GLOBE SERVICES INC.

          
	 	 	 	 	 
	 	
            By: 

          	
            /s/ Jeffrey Cox

          
	 	 	 
	 	
            Name:

          	
            Jeffrey Cox

          
	 	 	 
	 	
            Title: 

          	
            President

          
	 	 	 	 	 
	 	
            TELSATONLINE, INC.

          
	 	 
	 	
            By: 

          	
            /s/ Jeffrey Cox

          
	 	 	 
	 	
            Name: 

          	
            Jeffrey Cox

          
	 	 	 
	 	
            Title: 

          	
            President

          
	 	 	 	 	 
	 	
            7 DEGREES, LLC

          
	 	 
	 	
            By:  

          	
            /s/ Michael Darwal

          
	 	 	 
	 	
            Name: 

          	
            Michael Darwal

          
	 	 	 
	 	
            Title: 

          	
            President

          
	 	 	 	 	 
	 	
            HERITAGE BANK OF COMMERCE

          
	 	 
	 	
            By: 

          	/s/ Karla Schrader
	 	 	 
	 	
            Name: 

          	Karla Schrader
	 	 	 
	 	
            Title: 

          	VP

          
	 	 	 	 	 

    

    

  

  5Exhibit 10.23

   

  June 7, 2019

  

   

  TRG CUSTOMER SOLUTIONS, INC. d/b/a IBEX GLOBAL SOLUTIONS

    1700 PENNSYLVANIA AVE NW STE 5

    WASHINGTON, DC 20006

   

  	Attn:	Karl Gabel
	Phone:	202-580-6051
	Email:	Karl.Gabel@ibexglobal.com
	 	 
	From:	Matthew Gelles
	Phone:	215-585-1434
	 	 
	Reference:	MX_194457
	USI:	1030450478MX_194457

   

  The purpose of this letter agreement is to confirm the terms and conditions of the Interest Rate Swap transaction (the “Transaction”) entered into between TRG
    CUSTOMER SOLUTIONS, INC. d/b/a IBEX GLOBAL SOLUTIONS (“COUNTERPARTY”) and PNC Bank, National Association (“PNC”) on the Trade Date specified below.

   

  	1.	The definitions and provisions contained in the 2006 ISDA Definitions (as published by the International Swaps and Derivatives Association, Inc.) and any addenda or revisions thereto, are incorporated
          into this Confirmation. In the event of any inconsistency between those definitions and provisions and this Confirmation, this Confirmation will govern.

   

  	2.	This Confirmation constitutes a “Confirmation” as referred to in, and supplements, forms part of and is subject to, that certain ISDA Master Agreement and related Schedule between COUNTERPARTY and PNC,
          dated as of August 15, 2016 (as amended, modified, supplemented, renewed or restated from time to time, the “ISDA Master Agreement”). All provisions contained in or incorporated by reference in the ISDA Master Agreement shall supersede all other
          prior agreements and understandings, both written and oral, between the parties with respect to the subject matter hereof, and the ISDA Master Agreement shall govern this Confirmation and the Transaction evidenced hereby, except as modified
          expressly below. In the event of any inconsistency between the provisions of the ISDA Master Agreement and this Confirmation, this Confirmation will govern for purposes of the Transaction.

   

  	3.	Each party represents to the other party that:

   

  		(a)	It is acting for its own account as principal, and it has made its own independent decisions to enter into the ISDA Master Agreement and the Transaction and as to whether the ISDA Master Agreement and the
          Transaction each is appropriate or proper for it based upon its own judgment and upon advice from such advisers as it has deemed necessary to permit it to evaluate the merits and risks of the ISDA Master Agreement and the Transaction. It is not
          relying on any communication (written or oral) of the other party as investment advice or as a recommendation to enter into the ISDA Master Agreement or the Transaction; it being understood that information and explanations related to the terms
          and conditions of the ISDA Master Agreement or the Transaction shall not be considered investment advice or a recommendation to enter into the ISDA Master Agreement or the Transaction. No communication (written or oral) received from the other
          party shall be deemed to be an assurance or guarantee as to the expected results of the ISDA Master Agreement or the Transaction.

   

  		(b)	It is capable of assessing the merits of and understanding (on its own behalf or through independent professional advice), and understands and accepts, the terms, conditions and risks of the ISDA Master
          Agreement and the Transaction. It is also capable of assuming, and assumes, the risks of the ISDA Master Agreement and the Transaction.

   

  PNC Bank, National Association : 1030450478MX_194457

    Page 1 of 6

  

  
    
      
 

  

  TRG CUSTOMER SOLUTIONS, INC. d/b/a IBEX GLOBAL SOLUTIONS

  

  June 7, 2019

   

  		(c)	The other party is not acting as a fiduciary for or an adviser to it in respect of the ISDA Master Agreement or the Transaction.

   

  		(d)	It has entered into the Transaction in connection with a line of its business and for purposes of hedging and not for the purpose of speculation.

   

  		(e)	It is an “eligible contract participant”, as that term is defined in Section 1a(18) of the Commodity Exchange Act and applicable regulations there under.

   

  	4.	The terms of the Transaction to which this Confirmation relates are as follows: 

   

  	 	Type Of Transaction:	 	Interest Rate Swap
	 	 	 	 
	 	Notional Amount:	 	USD 3,555,555.50 and then adjusting in accordance to attached amortization schedule.
	 	 	 	 
	 	Trade Date:	 	June 7, 2019
	 	 	 	 
	 	Effective Date:	 	June 10, 2019
	 	 	 	 
	 	Termination Date:	 	June 1, 2021, subject to adjustment in accordance with the Modified Following Business Day Convention.

   

  

  	 	
          Fixed Amounts:

        	 	 
	 	 	 	 
	 	
          Fixed Rate Payer:

        	 	
          COUNTERPARTY

        
	 	 	 	 
	 	Fixed Rate Calculation  	 	 
	 	
          Periods:

        	 	
          The initial Calculation Period will be from and including the Effective Date to but excluding July 1, 2019. Thereafter, from and including the first (1st) day of each month to but excluding the first (1st) day of
            the following month. With the final Calculation Period being from and including May 1, 2021, to but excluding the Termination Date. Each calculation period subject to adjustment in accordance with the Modified Following Business Day Convention.

        
	 	 	 	 
	 	Fixed Rate Payer  	 	 
	 	
          Payment Dates:

        	 	
          The initial payment will commence on July 1, 2019, and thereafter on the first (1st) day of each month, and ending on the Termination Date, subject to adjustment in accordance with the Modified Following Business
            Day Convention.

        
	 	 	 	 
	 	
          Fixed Rate:

        	 	
          2.137%

        
	 	 	 	 
	 	Fixed Rate Day Count  	 	 
	 	
          Fraction:

        	 	
          Actual/360

        
	 	 	 	 
	 	
          Business Days:

        	 	
          New York and London

        
	 	 	 	 
	 	
          Floating Amounts:

        	 	 
	 	 	 	 
	 	
          Floating Rate Payer:

        	 	
          PNC

        
	 	 	 	 
	 	Floating Rate Calculation  	 	 
	 	
          Periods:

        	 	
          The initial Calculation Period will be from and including the Effective Date to but excluding July 1, 2019. Thereafter, from and including the first (1st) day of each month to but excluding the first (1st) day of
            the following month. With the final Calculation Period being from and including May 1, 2021, to but excluding the Termination Date. Each calculation period subject to adjustment in accordance with the Modified Following Business Day Convention.

        

  

  

   

  PNC Bank, National Association : 1030450478MX_194457 

    Page 2 of 6

  
    
      
 

  

  

  

  TRG CUSTOMER SOLUTIONS, INC. d/b/a IBEX GLOBAL SOLUTIONS

  

  June 7, 2019

   

  

  	 	
          Floating Rate Payer

        	 	 
	 	
          Payment Dates:

        	 	
          The initial payment will commence on July 1, 2019, and thereafter on the first (1st) day of each month, and ending on the Termination Date, subject to adjustment in accordance with the Modified Following Business
            Day Convention.

        
	 	 	 	 
	 	
          Floating Rate for Initial

        	 	 
	 	
          Calculation Period:

        	 	
          2.41163%

        
	 	 	 	 
	 	
          Reset Dates:

        	 	
          The first day of each Floating Rate Calculation Period, with Period End Dates subject to adjustment in accordance with the Modified Following Business Day Convention.

        
	 	 	 	 
	 	
          Floating Rate Option:

        	 	
          USD-LIBOR-BBA-Bloomberg; provided, however, that the reference to “London Banking Days” that appears in the 4th line of the definition of “USD-LIBOR-BBA-Bloomberg” is replaced with “New York and London Banking
            Days” (which for purposes of the Transaction means any day other than a Saturday or Sunday or a legal holiday on which commercial banks are authorized or required by law to be closed for business in New York, New York and London, England).
            Where in no event shall USD-LIBOR-BBA-Bloomberg be below 0.0%.

        
	 	 	 	 
	 	
          Designated Maturity:

        	 	
          One (1) Month

        
	 	 	 	 
	 	
          Spread:

        	 	
          Inapplicable

        
	 	 	 	 
	 	
          Floating Rate Day Count

        	 	 
	 	
          Fraction:

        	 	
          Actual/360

        
	 	 	 	 
	 	
          Business Days:

        	 	
          New York and London

        
	 	 	 	 
	 	
          Compounding:

        	 	
          Inapplicable

        
	 	 	 	 
	 	
          General Terms:

        	 	 
	 	 	 	 
	 	
          Calculation Agent:

        	 	
          As set forth by the ISDA Master Agreement.

        
	 	 	 	 
	 	
          Jury Waiver:

        	 	
          EACH PARTY HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL RIGHTS TO A TRIAL BY JURY IN RESPECT OF ANY SUIT, ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THE ISDA
            MASTER AGREEMENT, ANY CREDIT SUPPORT DOCUMENT, THIS CONFIRMATION OR THE TRANSACTION EVIDENCED HEREBY.

        
	 	 	 	 
	 	
          Governing Law:

        	 	
          The Transaction shall be governed by and construed in accordance with the laws of the State of New York, without reference to the choice of law doctrine.

        
	 	 	 	 
	 	
          Execution in

        	 	 
	 	
          Counterparts:

        	 	
          This Confirmation may be executed in counterparts, each of which shall be an original and both of which when taken together shall constitute the same agreement. Transmission by facsimile, e-mail or other form of
            electronic transmission of an executed counterpart of this Confirmation shall be deemed to constitute due and sufficient delivery of such counterpart.

        

  

  

   

  PNC Bank, National Association : 1030450478MX_194457

    Page 3 of 6

  
    
      
 

  

  

   

  TRG CUSTOMER SOLUTIONS, INC. d/b/a IBEX GLOBAL SOLUTIONS

  June 7, 2019

   

  

  	 	
          Electronic Records and 

        	 	 
	 	
          Signatures:

          

          

        	 	It is agreed by the parties that the use of electronic signatures and the keeping of records in electronic form be granted the same legal effect, validity and
          enforceability as a signature affixed by hand or the use of a paper-based record keeping system (as the case may be) to the extent and as provided for in any applicable law.

   

  Periodic Interest Rate Swap Payment Method

   

  Pay by Automatic Debit or Credit

   

  I hereby Authorize PNC Bank to deposit or withdraw any amounts owed to me or by me by initiating credit or debit entries to my account at the Financial Institution
    indicated below. Further, I authorize my Financial Institution to accept and to credit or debit any entries initiated by PNC Bank to my account. In the event that PNC Bank deposits funds erroneously into my account, I authorize PNC Bank to debit my
    account for an amount not to exceed the original amount of the credit.

   

  	Bank Name:	PNC Bank NA	 
	ABA:	

        	 
	Account #:	

        	 
	Checking or Savings:	Checking	 

   

  

  This authorization is to remain in full force and effect until PNC Bank and/or my Financial Institution has received written notice from me of its termination in
    such time and in such manner as to afford PNC Bank and/or my Financial Institution a reasonable opportunity to act on it.

   

  PNC Contact Information and Counterparty Contact Information for securing Web Portal Access: 

   

  	Payments:	derivatives.payments@pnc.com	412-237-0529
	 	 	 
	Audit Confirmation Requests:	brokerconf@pnc.com	412-237-0544
	 	 	 
	Web Portal Access and Customer Onboarding:	cam.derivatives@pnc.com 	412-237-0537

   

  PNC will provide access to a secure website for the individuals listed below. Access to the site will include the ability to view the Interest Payment Advice,
    as well as two documents required by Dodd Frank as follows: i) Mid-market Mark Report; and ii) Portfolio Reconciliation Report. Unless you notify PNC in writing that you do not agree to receive these Dodd Frank required documents
    through the website, you agree that the posting of them on the Website is an acceptable and reliable manner of disclosure to you. Logon credentials will be provided after confirmation has been executed and returned to PNC. Please provide additional
    names as required.

   

  	First Name	 	Last Name	 	Email address	 	Telephone
	 	 	 	 	 	 	 
	 Karl	 	 Gabel	 	 Karl.Gabel@ibexglobal.com	 	 
	 	 	 	 	 	 	 
	 	 	 	 	 	 	 

   

  Please confirm that the foregoing correctly sets forth the terms of our agreement concerning the transaction by signing this Confirmation where indicated below and
    returning a signed copy to Jeffrey Marraccini either by email (derivatives.operations@pnc.com), or by fax (1-855-568-4533) or by overnight delivery (c/o PNC Investment Operations 249 Fifth Avenue, P1-POPP-11-A, By Pittsburgh, PA 15222, Attn: Jeffrey
    Marraccini). By signing below, COUNTERPARTY acknowledges that it has consented to receive this Confirmation via electronic mail.

   

  PNC Bank, National Association : 1030450478MX_194457 

  Page 4 of 6

  
    
      
 

  

  TRG CUSTOMER SOLUTIONS, INC. d/b/a IBEX GLOBAL SOLUTIONS

  June 7, 2019

  

   

  Please retain a signed copy of this Confirmation for your records. Should you have any questions, please call Jeffrey Marraccini at 412-442-3984.

   

  	Yours Sincerely,	Accepted and agreed as of the date first above written:
	 	 
	PNC BANK, NATIONAL ASSOCIATION	TRG CUSTOMER SOLUTIONS, INC. 

          d/b/a IBEX GLOBAL SOLUTIONS
	 	 	 
	/s/ Derek Millan	By:	/s/Robert Dechant 
	Derek Millan, AVP 	Name: 	Robert Dechant 
	Pnc Bank, National Association 	Title:	
          Chief Executive Officer 

          

          

        
	 	 	 
	

        	 	 

   

  PNC Bank, National Association : 1030450478MX_194457

    Page 5 of 5

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