Document:

Modification Agreement Relating to $875,000 Term Loan

 Exhibit 10.40 
 MODIFICATION AGREEMENT 
 THIS MODIFICATION AGREEMENT (“Agreement”) is
entered into as of January 1, 2007, by and between U.S. Home Systems, Inc., a Delaware corporation (“Borrower”), and The Frost National Bank, a national banking association (“Lender”). 
 R E C I T A L S: 
 A. Borrower has
executed and delivered to Lender that one certain Term Note (the “Note”) dated February 9, 2006, to be effective as of February 10, 2006, payable to the order of Lender in the original principal amount of Eight Hundred
Seventy Five Thousand and No/100 Dollars ($875,000.00). 
 B. The Note was executed pursuant to that certain First Amended and Restated Loan
Agreement (as from time to time amended, the “Loan Agreement”) dated February 9, 2006, to be effective as of February 10, 2006, between Lender and Borrower. Capitalized terms used and not otherwise defined herein have the
meanings given them in the Loan Agreement. 
 C. Borrower has requested that Lender modify certain provisions of the Note, all as hereinafter
provided, and Lender has agreed to such requests, subject to the terms and conditions set forth herein. 
 NOW, THEREFORE, for and in
consideration of Ten Dollars ($10.00) and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged and agreed, Borrower and Lender hereby agree as follows: 
 1. Interest Rate. The first sentence of Paragraph 3 of the Note is hereby amended in its entirety to read as follows: 
 Interest on the outstanding and unpaid principal balance hereof shall be computed at a per annum rate equal to the lesser of (a) a
rate equal to the Wall Street Journal London Interbank Offered Rate (as defined below) plus two percent (2.0%) per annum, with said rate to be adjusted to reflect any change in The Wall Street Journal London Interbank Offered Rate at the time
of any such change, or (b) the highest rate permitted by applicable law, but in no event shall interest contracted for, charged or received hereunder plus any other charges in connection herewith, which constitute interest exceed the maximum
interest permitted by applicable law. 
 2. Texas Finance Code. In no event shall Chapter 346 of the Texas Finance Code (which
regulates certain revolving loan accounts and revolving tri-party accounts) apply to the Note. To the extent that Chapter 303 of the Texas Finance Code is applicable to the Note, the “weekly ceiling” specified in such chapter is the
applicable ceiling; provided that, if any applicable law permits greater interest, the law permitting the greatest interest shall apply. 
 3. Usury. No provisions of this Agreement or the Loan Documents shall require the payment or permit the collection, application or receipt of interest in excess of the maximum permitted by applicable state or federal law. If
any excess of interest in such respect is herein or in any such other instrument provided for, or shall be adjudicated to be so provided for herein or 

  

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in any such instrument, the provisions of this paragraph shall govern, and neither Borrower nor any endorsers of the Note nor their respective successors,
assigns or personal representatives shall be obligated to pay the amount of such interest to the extent it is in excess of the amount permitted by applicable law. It is expressly stipulated and agreed to be the intent of Borrower and Lender to at
all times comply with the usury and other laws relating to the Loan Documents and any subsequent revisions, repeals or judicial interpretations thereof, to the extent applicable thereto. In the event Lender or other holder of the Note ever receives,
collects or applies as interest any such excess, such amount which would be excessive interest shall be applied to the reduction of the unpaid principal balance of the Note and, if upon such application the principal balance of the Note is paid in
full, any remaining excess shall be forthwith paid to Borrower and the provisions of the Loan Documents shall immediately be deemed reformed and the amounts thereafter collectible thereunder reduced, without the necessity of execution of any new
document, so as to comply with the then applicable law, but so as to permit the recovery of the fullest amount otherwise called for thereunder. In determining whether or not the interest paid or payable under any specific contingency exceeds the
maximum interest allowed to be charged by applicable law, Borrower and Lender or other holder hereof shall, to the maximum extent permitted under applicable law, amortize, prorate, allocate and spread the total amount of interest throughout the
entire term of the Note so that the amount or rate of interest charged for any and all periods of time during the term of the Note is to the greatest extent possible less than the maximum amount or rate of interest allowed to be charged by law
during the relevant period of time. Notwithstanding any of the foregoing, if at any time applicable laws shall be changed so as to permit a higher rate or amount of interest to be charged than that permitted prior to such change, then unless
prohibited by law, references in the Note to “applicable law” for purposes of determining the maximum interest or rate of interest that can be charged shall be deemed to refer to such applicable law as so amended to allow the greater
amount or rate of interest. 
 4. Reaffirmation of Representations, Etc. Borrower hereby reaffirms to Lender each of the
representations, warranties, covenants and agreements of Borrower set forth in the Loan Documents. 
 5. Enforceable Obligations.
Borrower hereby ratifies, affirms, reaffirms, acknowledges, confirms and agrees that the Loan Documents represent valid and enforceable obligations of Borrower, and Borrower further acknowledges that there are no existing claims, defenses,
personal or otherwise, or rights of setoff whatsoever with respect to the Note, and Borrower further acknowledges and represents that no event has occurred and no condition exists which would constitute a default under the Loan Documents or this
Agreement, either with or without notice or lapse of time, or both. 
 6. Miscellaneous. 
 (a) As modified hereby, the provisions of the Note shall continue in full force and effect, and the Borrower acknowledges and reaffirms its liability to
Lender thereunder. 
 (b) Lender does not, by its execution of this Agreement, waive any rights it may have against any person not a party to
this Agreement. 
 (c) In case any of the provisions of this Agreement shall for any reason be held to be invalid, illegal or unenforceable,
such invalidity, illegality or unenforceability shall not affect any other provision hereof, and this Agreement shall be construed as if such invalid, illegal or unenforceable provision had never been contained herein. 
  

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 (d) This Agreement and the Loan Documents shall be governed and construed according to the laws of the
State of Texas (without regard to any conflict of laws principles) and the applicable laws of the United States. 
 (e) This Agreement shall
be binding upon and inure to the benefit of Lender, Borrower and their respective successors and assigns. 
 (f) This Agreement may be
executed in multiple counterparts, each of which shall constitute an original instrument, but all of which shall constitute one and the same agreement. 
 THIS AGREEMENT AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE
ARE NO UNWRITTEN ORAL AGREEMENTS OF THE PARTIES. 
 EXECUTED as of the day and year first above written. 
  

									
	BORROWER:	 	 	 	LENDER:
			
	U.S. HOME SYSTEMS, INC.	 		 	THE FROST NATIONAL BANK
					
	By:	 	 /s/ Robert A. DeFronzo
	 		 	By:	 	 /s/ Stephen S. Martin

		 	Robert A. DeFronzo	 		 	Name:	 	Stephen S. Martin
		 	Secretary and CFO	 		 	Title:	 	Vice President

  

 3First Amendment to First Amended and Restated Loan Agreement

 Exhibit 10.41 
 

 
 FIRST AMENDMENT TO FIRST AMENDED AND RESTATED 
 LOAN AGREEMENT 
 THIS FIRST
AMENDMENT TO FIRST AMENDED AND RESTATED LOAN AGREEMENT (herein called this “First Amendment”) made as of April 2, 2007, by and between U.S. HOME SYSTEMS, INC., a Delaware corporation (“Borrower”), and THE FROST NATIONAL
BANK, a national banking association (“Lender”). 
 W I T N E S S E T H: 
 WHEREAS, Borrower and Lender have entered into that certain First Amended and Restated Loan Agreement dated as of February 9, 2006, with an
effective date as of February 10, 2006 (as from time to time amended, modified or restated, the “Original Agreement”) for the purposes and consideration therein expressed, pursuant to which Lender became obligated to make loans to
Borrower as therein provided; and 
 WHEREAS, Borrower and Lender desire to amend the Original Agreement for the purposes expressed herein;

 NOW, THEREFORE, in consideration of the premises and the mutual covenants and agreements contained herein and in the Original Agreement,
in consideration of the loans which may hereafter be made by Lender to Borrower, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto do hereby agree as follows: 

ARTICLE I. 
 DEFINITIONS AND REFERENCES

 § 1.1 Terms Defined in the Original Agreement. Unless the context otherwise requires or unless otherwise expressly defined
herein, the terms defined in the Original Agreement shall have the same meanings whenever used in this Amendment. 
 § 1.2. Other
Defined Terms. Unless the context otherwise requires, the following terms when used in this First Amendment shall have the meanings assigned to them in this § 1.2. 
 “Loan Agreement” means the Original Agreement as amended hereby. 
 “First Amendment” means this First Amendment to Loan Agreement. 
 “First Amendment Documents” means the Consent and Agreement executed by Guarantors, a Revolving Promissory Note of even
date herewith in the stated principal amount of $6,000,000, First Amendments to First Amended and Restated Security Agreement to be executed by Borrower and each Guarantor; First Amendments to First Amended and Restated Guaranty Agreement to be
executed by each Guarantor, and all other documents, instruments and agreements executed in connection herewith. 
  

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 ARTICLE II. 
 AMENDMENTS TO ORIGINAL AGREEMENT 
 § 2.1. Borrowing Base Line of Credit. Sections 1(a)
and 1(b) of the Original Agreement are hereby amended in their entirety to read as follows: 
 (a) Intentionally
Omitted. 
 (b) Borrowing Base Line of Credit. Subject to the terms and conditions set forth herein, Lender agrees
to lend to Borrower, on a revolving basis from time to time during the period commencing on the date hereof and continuing through the maturity date of the promissory note evidencing this Credit Facility from time to time, such amounts as Borrower
may request hereunder; provided, however, the total principal amount outstanding at any time shall not exceed the lesser of (i) an amount equal to the Borrowing Base (as defined below), or (ii) $6,000,000 (the
“Borrowing Base Line of Credit”). If at any time the aggregate principal amount outstanding under the Borrowing Base Line of Credit shall exceed an amount equal to the Borrowing Base, Borrower agrees to immediately repay to Lender
such excess amount, plus all accrued but unpaid interest thereon. Subject to the terms and conditions hereof, Borrower may borrow, repay and reborrow hereunder. All advances under the Borrowing Base Line of Credit shall be used for working capital
and other general business purposes of Borrower and its operating subsidiaries. 
 § 2.2. Definitions. 
 (a) The definitions of “Collateral Value”, “DZ Bank”, “Eligible Installment Contract”, “Individual Receivables
File”, “Installment Contract”, “Purchase Agreement”, “Receivables Agreement” and “Securitization” in Section 2 of the Original Agreement are hereby deleted in their entirety. 
 (b) The definition of “Borrowing Base” in Section 2 of the Original Agreement is hereby amended in its entirety to read as follows:

 “Borrowing Base” means an amount equal to 80% of the Eligible Accounts, plus 50% of the Eligible
Inventory. No more than 50% of the Borrowing Base shall be supported by Eligible Inventory. 
 (c) The definition of “Eligible
Accounts” in Section 2 of the Original Agreement is hereby amended in its entirety to read as follows: 
 “Eligible Accounts” means at any time, an amount equal to the aggregate net invoice or ledger amount owing on all trade accounts receivable of Borrower or any Guarantor, for goods sold or leased or services rendered in the
ordinary course of business, in which the Lender has a perfected, first priority lien, after deducting (without duplication): (i) each such account that is unpaid sixty (60) days or more after the original 
  

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invoice date thereof, (ii) the amount of all discounts, allowances, rebates, credits and adjustments to such accounts (iii) the amount of all
contra accounts, setoffs, defenses or counterclaims asserted by or available to the account debtors, (iv) all accounts with respect to which goods are placed on consignment or subject to a guaranteed sale or other terms by reason of which
payment by the account debtor may be conditional, (v) all accounts with respect to which Borrower or any Guarantor has furnished a payment and/or performance bond and that portion of any account for or representing retainage, if any, until all
prerequisites to the immediate payment of retainage have been satisfied, (vi) all accounts owing by account debtors for which there has been instituted a proceeding in bankruptcy or reorganization under the United States Bankruptcy Code or
other law, whether state or federal, now or hereafter existing for relief of debtors, (vii) all accounts owing by any affiliates of Borrower, (viii) all accounts in which the account debtor is the United States or any department, agency or
instrumentality of the United States, except to the extent an acknowledgment of assignment to Lender of such account in compliance with the Federal Assignment of Claims Act and other applicable laws has been received by Lender, (ix) all
accounts due Borrower or any Guarantor by any account debtor whose principal place of business is located outside the United States of America and its territories, (x) all accounts subject to any provision prohibiting assignment or requiring
notice of or consent to such assignment, (xi) any other accounts deemed unacceptable by Lender in its sole and absolute discretion, and (xii) accounts with respect to Fortress Credit Corp., FCC Investment Trust I and any of their
affiliates, to the extent the aggregate obligations of such account debtors to Borrower or any Guarantor exceeds $2,000,000. 
 § 2.3.
Requesting Advances. Section 4(b) of the Original Agreement is hereby amended in its entirety to read as follows: 
 (b) Intentionally omitted. 
 § 2.4. Negative Covenants. 
 (a) Sections 10(a), (d), (e), (f), and (g) of the Original Agreement are hereby amended in their entirety to read as follows: 
 (a) Nature of Business. Make any material change in the nature of its business as carried on as of the date hereof. 
 (d) Sale of Assets. Sell, transfer or otherwise dispose of any of its assets or properties, other than in the ordinary course of
business. 
 (e) Liens. Create or incur any lien or encumbrance on any of its assets, other than (i) liens and
security interests securing indebtedness owing to Lender, (ii) liens for taxes, assessments or similar charges that are (1) not yet due or (2) being contested in good faith by appropriate proceedings and for which Borrower or such
Guarantor has established adequate reserves, (iii) liens and security interests existing as of the date hereof and set forth in Schedule 1 attached hereto, and (iv) liens on office equipment and furniture acquired, purchased or leased by
Borrower and Guarantors in the ordinary course of their business operations, to the extent that such liens relate to indebtedness that does not exceed $500,000 in the aggregate and such liens extend only to the equipment and furniture so acquired,
purchased or leased. 
  

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 (f) Indebtedness. Create, incur or assume any indebtedness for borrowed money or
issue or assume any other note, debenture, bond or other evidences of indebtedness, or guarantee any such indebtedness or such evidences of indebtedness of others other than (i) borrowings from Lender, (ii) borrowings outstanding on the
date hereof and described on Schedule 1 attached hereto, (iii) borrowings relative to operating leases, (iv) subject to the limitations set forth in Paragraph 10(e) above, the purchase or leasing of office equipment or furniture in the
ordinary course of its business, (v) employment contracts in the ordinary course of its business, (vi) indebtedness that has been subordinated to all obligations of Borrower and Guarantors owing to Lender on terms and conditions
satisfactory to Lender, and (vii) borrowings, with respect to Borrower, from any Guarantor and, with respect to any Guarantor, from Borrower or another Guarantor. 
 (g) Loans. Make any loans to any person or entity except for (i) loans made to employees of Borrower and Guarantor that do not
exceed $100,000 in the aggregate outstanding at any time, and (ii) loans made by any Guarantor to Borrower or any other Guarantor and loans made by Borrower to any Guarantor. 
 (b) Section 10(j) of the Original Agreement is hereby deleted in its entirety. 
 § 2.5. Financial Covenants. 
 (a)
Sections 11(b) and 11(c) of the Original Agreement are hereby amended in their entirety to read as follows: 
 (b) Debt to
Adjusted Tangible Net Worth Ratio. Borrower will maintain, at the end of each fiscal quarter, a ratio of (a) total liabilities to (b) Tangible Net Worth of not greater than 3.0 to 1.0. 
 (c) Fixed Charge Coverage Ratio. Borrower will maintain, as of the end of each fiscal quarter, a ratio calculated on a trailing
twelve-month period of (i) net income before taxes for the period ending with such fiscal quarter plus depreciation, amortization and interest expense deducted in the calculation of such net income plus the increase in the Loan Loss
Reserve for the twelve month period ending with such fiscal quarter, to (ii) taxes plus interest expense plus current maturities of long-term debt (excluding, without duplication, any current maturities of debt under the Borrowing
Base Line of Credit) plus current maturities of long-term capital leases plus Distributions plus capital expenditures (excluding any capital expenditures for which Borrower or any of its consolidated subsidiaries has incurred
indebtedness) of not less than 1.25 to 1. 
 (b) The definition of “Adjusted Tangible Net Worth” is hereby deleted in its entirety
from the Original Agreement. 
 § 2.6. Reporting Requirements. Sections 12(d) and 12(e) of the Original Agreement are hereby
amended in their entirety to read as follows: 
 (d) Intentionally Omitted. 
  

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 (e) Intentionally Omitted. 
 § 2.7. Events of Default. Sections 13(j) and 13(k) of the Original Agreement are hereby amended in their entirety to read as follows:

 (j) Intentionally Omitted. 
 (k) Intentionally Omitted. 
 § 2.8. Remedies. Section 14 of the Original Agreement is hereby amended in its entirety to read as follows: 
 14. Remedies. Upon the occurrence of any one or more of the foregoing Events of Default, (a) the entire unpaid balance of principal of the Notes, together with all accrued but unpaid interest
thereon, and all other indebtedness owing to Lender by Borrower at such time shall, at the option of Lender, become immediately due and payable without further notice, demand, presentation, notice of dishonor, notice of intent to accelerate, notice
of acceleration, protest or notice of protest of any kind, all of which are expressly waived by Borrower, and (b) Lender may, at its option, cease further advances under any of the Notes. All rights and remedies of Lender set forth in this Loan
Agreement and in any of the other Loan Documents may also be exercised by Lender, at its option to be exercised in its sole discretion, upon the occurrence of an Event of Default. 
 § 2.9. Schedules and Exhibits. Exhibits 1 and 2 to the Original Agreement are hereby deleted in their entirety. Exhibit A to the Original
Agreement is hereby deleted in its entirety. 
 ARTICLE III. 
 CONDITIONS OF EFFECTIVENESS 
 § 3.1. Effective Date. This First Amendment shall become
effective as of the date first written above, when and only when Lender shall have received, at Lender’s office, in form and substance satisfactory to Lender: 
 (a) this First Amendment duly executed and delivered by Borrower; 
 (b) the First Amendment Documents; and 
 (c) a Certificate of Corporate Resolutions of Borrower and each Guarantor. 
  

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 ARTICLE IV. 
 REPRESENTATIONS AND WARRANTIES 
 § 4.1. Representations and Warranties of Borrower. In
order to induce Lender to enter into this First Amendment, Borrower represents and warrants to Lender that: 
 (a) The
representations and warranties contained in Section 7 of the Original Agreement are true and correct at and as of the time of the effectiveness hereof. 
 (b) Borrower is duly authorized to execute and deliver this First Amendment and is and will continue to be duly authorized to borrow and
to perform its obligations under the Loan Agreement. Borrower has duly taken all action necessary to authorize the execution and delivery of this First Amendment and to authorize the performance of the obligations of Borrower hereunder. 

(c) The execution and delivery by Borrower of this First Amendment, the performance by Borrower of its obligations hereunder and the
consummation of the transactions contemplated hereby do not and will not conflict with any provision of law, statute, rule or regulation or of the partnership agreement of Borrower, or of any material agreement, judgment, license, order or permit
applicable to or binding upon Borrower, or result in the creation of any lien, charge or encumbrance upon any assets or properties of Borrower. Except for those which have been duly obtained, no consent, approval, authorization or order of any court
or governmental authority or third party is required in connection with the execution and delivery by Borrower of this First Amendment or to consummate the transactions contemplated hereby. 
 (d) When duly executed and delivered, each of this First Amendment and the Loan Agreement will be a legal and binding instrument and
agreement of Borrower, enforceable in accordance with its terms, except as limited by bankruptcy, insolvency and similar laws applying to creditors’ rights generally and by principles of equity applying to creditors’ rights generally.

 ARTICLE V. 
 MISCELLANEOUS

 § 5.1. Ratification of Agreements. The Original Agreement as hereby amended is hereby ratified and confirmed in all
respects. The execution, delivery and effectiveness of this First Amendment shall not, except as expressly provided herein or therein, operate as a waiver of any right, power or remedy of Lender under the Loan Agreement, the Note, or any other Loan
Document nor constitute a waiver of any provision of the Loan Agreement, the Note or any other Loan Document. 
 § 5.2. Survival of
Agreements. All representations, warranties, covenants and agreements of Borrower herein shall survive the execution and delivery of this First Amendment and the performance hereof, including without limitation the making or granting of the Loan
and shall further survive until the Loan is paid in full. 
  

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 § 5.3. Loan Documents. This First Amendment is a Loan Document, and all provisions in the
Loan Agreement pertaining to Loan Documents apply hereto. 
 § 5.4. Governing Law. This First Amendment shall be governed by and
construed in accordance with the laws of the State of Texas and any applicable laws of the United States of America in all respects, including construction, validity and performance. 
 § 5.5. Counterparts. This First Amendment may be separately executed in counterparts and by the different parties hereto in separate
counterparts, each of which when so executed shall be deemed to constitute one and the same Amendment. 
 THIS FIRST AMENDMENT AND THE
OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS OF THE PARTIES.

 IN WITNESS WHEREOF, this First Amendment is executed as of April 2, 2007. 
  

			
	U.S. HOME SYSTEMS, INC.
		
	By:	 	 /s/ Robert A. DeFronzo

	Name:	 	Robert A. DeFronzo
	Title:	 	CFO
	
	THE FROST NATIONAL BANK
		
	By:	 	 /s/ Stephen S. Martin

	Name:	 	Stephen S. Martin
	Title:	 	Senior Vice President

  

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 First Amendment 
 CONSENT AND AGREEMENT 
 Each of the undersigned hereby consents to the provisions of this
First Amendment and the transactions contemplated herein, and hereby ratifies and confirms the First Amended and Restated Guaranty Agreement, dated as of February 9, 2006, with an effective date of February 10, 2006, made by it for the
benefit of Lender, and agrees that its obligations and covenants thereunder are unimpaired hereby and shall remain in full force and effect. 
  

			
	U.S. REMODELERS, INC.
		
	By:	 	 /s/ Robert A. DeFronzo

	Name:	 	Robert A. DeFronzo
	Title:	 	CFO
	
	FIRST CONSUMER CREDIT, INC.
		
	By:	 	 /s/ Robert A. DeFronzo

	Name:	 	Robert A. DeFronzo
	Title:	 	CFO

  

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 EXHIBIT B 
 BORROWING BASE CERTIFICATE 
 [Date] 
 Reference is made to that certain First Amended and Restated Loan Agreement dated as of February 9, 2006, to be effective for all purposes as of
February 10, 2006 (as from time to time amended, the “Agreement”) by and between U.S. Home Systems, Inc. (“Borrower”) and The Frost National Bank (“Lender”). Terms which are defined in the
Agreement are used herein with the meanings given them in the Agreement. 
 This Certificate is being furnished pursuant to
Section 11(f) of the Agreement. Borrower and Guarantors hereby certify to Lender as follows: 
  

	 	(a)	the officer of Borrower signing this instrument is the duly elected, qualified and acting
                     of Borrower and as such is authorized to submit this Certificate on behalf of Borrower; the officer of U.S. Remodelers
signing this instrument is the duly elected qualified and acting                      of U.S. Remodelers and as such is authorized to submit
this Certificate on behalf of U.S. Remodelers; 

  

	 	(b)	as of the close of business on                      (the “Reporting
Date”): 

  

									
	(i)	  	Eligible Accounts	  	$	            	  		
				
		  	Accounts related to                     	  			  		
				
	(ii)	  	80% of aggregate Eligible Account	  			  	$	            
				
	(iii)	  	Eligible Inventory	  	$	            	  		
				
	(iv)	  	50% of aggregate Eligible Inventory	  			  	$	            
				
	(v)	  	Borrower’s determination of Borrowing Base (sum of lines (ii) and (iv), not to exceed $6,000,000)	  			  	$	            
				
	(vi)	  	Borrowing Base Line of Credit Balance per last Borrowing Base Certificate	  			  	$	            
				
	(vii)	  	Less Net Payments	  			  	$	            
				
	(viii)	  	Plus advances	  			  	$	            
				
	(ix)	  	Total Balance (line (vi) minus line (vii) plus line (viii))	  			  	$	            
				
	(x)	  	Amount available for borrowing (line (v) minus line (ix)), subject to the terms of the Agreement, if positive, or to be repaid, if negative	  			  	$	            

  

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 The officers of Borrower and U.S. Remodelers signing this instrument certify that, to the best of their
knowledge after due inquiry, the above certifications of Borrower and U.S. Remodelers are true, correct and complete. 
 IN WITNESS WHEREOF,
the instrument is executed as of                     . 
  

			
	U.S. HOME SYSTEMS, INC.
		
	By:	 	  

	Name:	 	
	Title:	 	
	
	U.S. REMODELERS, INC.
		
	By:	 	  

	Name:	 	
	Title:	 	

  

 10

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