Document:

Form of Restricted Stock Units Agreement

 Exhibit 10.22 
 FORM OF RESTRICTED STOCK UNIT AGREEMENT 
 THIS RESTRICTED STOCK UNIT AGREEMENT (this
“Agreement”), dated as of «date» (the “Award Date”) is between HSN, Inc., a Delaware corporation (the “Corporation”), and «grantee» (the “Grantee”). 
  

	1.	Award and Vesting of RSUs 

 (a) Subject to
the terms, definitions and provisions of this Agreement and the Company’s Amended and Restated 2008 Stock and Annual Incentive Plan (the “Plan”), the Corporation hereby grants to the Grantee «number» restricted stock units
(the “RSUs”). Any defined terms not defined in this Agreement shall have the meaning ascribed to it in the Plan. 
 (b) Subject to
the terms and conditions of this Agreement and the provisions of the Plan, the RSUs shall vest and no longer be subject to any restriction in two equal annual installments commencing on the first anniversary of the Award Date (the “Vesting
Period”).
 (c) Notwithstanding the provisions of Section 1(b) and except as provided in Section 5 of this Agreement, in the
event of termination of the Grantee’s service with the Corporation during the Vesting Period for any reason, all remaining unvested RSUs shall be forfeited by the Grantee and canceled in their entirety effective immediately upon such
termination. 
 (d) Nothing in this Agreement shall confer upon the Grantee any right to continue in the service of the Corporation or any of
its affiliates or interfere in any way with the right of the Corporation or any such Affiliates to terminate the Grantee’s service at any time, with or without cause. 
  

	2.	Settlement of RSUs 

 As soon as practicable
after any RSUs have vested and are no longer subject to the Vesting Period, such RSUs shall be settled. Subject to Section 14(d) of the Plan (pertaining to the withholding of taxes), for each RSU settled pursuant to this Section 2, the
Corporation shall issue (either in book-entry form or otherwise) one share of Common Stock for each RSU vesting at such time and cause to be delivered to the Grantee one or more unlegended, freely-transferable stock certificates in respect of such
shares issued upon settlement of the vesting RSUs. Notwithstanding the foregoing, the Corporation shall be entitled to hold the shares or cash issuable upon settlement of RSUs that have vested until the Corporation or the agent selected by the
Corporation to manage the Plan under which the RSUs have been issued (the “Agent”) shall have received from the Grantee a duly executed Form W-9 or W-8, as applicable. 
  

	3.	Non-Transferability of the RSUs 

 During the
Vesting Period and until such time as the RSUs are ultimately settled as provided in Section 2 above, the RSUs shall not be transferable by the Grantee by means of sale, assignment, exchange, encumbrance, pledge, hedge or otherwise. 

	4.	Rights as a Stockholder 

 Except as otherwise
specifically provided in this Agreement, during the Vesting Period the Grantee shall not be entitled to any rights of a stockholder with respect to the RSUs. Notwithstanding the foregoing, if the Corporation declares and pays dividends on the Common
Stock during the Vesting Period, the Grantee will be credited with additional amounts for each RSU equal to the dividend that would have been paid with respect to such RSU if it had been an actual share of Common Stock, which amount shall remain
subject to restrictions (and as determined by the Committee may be reinvested in RSUs or may be held in kind as restricted property) and shall vest concurrently with the vesting of the RSUs upon which such dividend equivalent amounts were paid.
Notwithstanding the foregoing, dividends and distributions other than regular quarterly cash dividends, if any, may result in an adjustment pursuant to Section 5. 
  

	5.	Adjustment in the Event of Change in Stock; Change in Control 

 (a) In the event of any change in corporate capitalization (including, but not limited to, a change in the number of shares of Common Stock outstanding), such as a stock split or a corporate transaction, such as any
merger, consolidation, separation, including a spin-off, or other distribution of stock or property of the Corporation (including any extraordinary cash or stock dividend), any reorganization (whether or not such reorganization comes within the
definition of such term in Section 368 of the Code) or any partial or complete liquidation of the Corporation, the number of RSUs and the shares underlying such RSUs shall be equitably adjusted by the Committee (including, in its discretion,
providing for other property to be held as restricted property) as it may deem appropriate in its sole discretion. The determination of the Committee regarding any such adjustment will be final and conclusive. 
 (b) With respect to the awards evidenced by this Agreement, subject to paragraph (e) of Section 10 of the Plan, notwithstanding any provision
of the Plan to the contrary, upon Grantee’s termination of service as a Director of the Corporation, during the one-year period following a Change in Control, by the Company for other than Cause or Disability or by the Grantee for Good Reason:

 (i) any RSUs outstanding as of such date of termination of service which were outstanding as of the date of such Change in
Control shall be fully exercisable and vested and shall remain exercisable until the later of (i) the last date on which such RSU would be exercisable in the absence of this Section 5(b) and (ii) the first anniversary of such Change
in Control; 
 (ii) the restrictions and deferral limitations applicable to any RSU shall lapse, and such RSU outstanding as
of such date of termination which were outstanding as of the date of such Change in Control shall become free of all restrictions and become fully vested and transferable; and 
 (iii) all RSUs outstanding as of such date of termination which were outstanding as of the date of such Change in Control shall be
considered to be earned and payable in full, and any restrictions shall lapse and such RSUs shall be settled as promptly as is practicable in the form set forth in this Agreement and the Plan. 
  

 2 

	6.	Payment of Transfer Taxes, Fees and Other Expenses 

 The Corporation agrees to pay any and all original issue taxes and stock transfer taxes that may be imposed on the issuance of shares received by an Grantee in connection with the RSUs, together with any and all other fees and expenses
necessarily incurred by the Corporation in connection therewith. 
  

	7.	Other Restrictions 

 (a) The RSUs shall be
subject to the requirement that, if at any time the Committee shall determine that (i) the listing, registration or qualification of the shares of Common Stock subject or related thereto upon any securities exchange or under any state or
federal law, or (ii) the consent or approval of any government regulatory body, then in any such event, the award of RSUs shall not be effective unless such listing, registration, qualification, consent or approval shall have been effected or
obtained free of any conditions not acceptable to the Committee. 
 (b) The Grantee acknowledges that the Grantee is subject to the
Corporation’s policies regarding compliance with securities laws, including but not limited to its Securities Trading Policy (as in effect from time to time and any successor policies), and, pursuant to these policies, if the Grantee is on the
Corporation’s insider list, the Grantee shall be required to obtain pre-clearance from the Corporation’s General Counsel prior to purchasing or selling any of the Corporation’s securities, including any shares issued upon vesting of
the RSUs, and may be prohibited from selling such shares other than during an open trading window. The Grantee further acknowledges that, in its discretion, the Corporation may prohibit the Grantee from selling such shares even during an open
trading window if the Corporation has concerns over the potential for insider trading. 
  

	8.	Notices 

 All notices and other
communications under this Agreement shall be in writing and shall be given by hand delivery to the other party or by facsimile, overnight courier, or registered or certified mail, return receipt requested, postage prepaid, addressed as follows:

 If to the Grantee: at the address last provided by the Grantee to the Corporation. 
  

					
	If to the Corporation:	 	HSN, Inc.	  	
		 	1 HSN Drive	  	
		 	St. Petersburg, FL 33729	  	
		 	Attention: General Counsel	  	
		 	Facsimile: (727) 872-1000	  	

 or to such other address or facsimile number as any party shall have furnished to the other in writing in
accordance with this Section 8. Notice and communications shall be effective when actually received by the addressee. Notwithstanding the foregoing, the Grantee consents to electronic delivery of documents required to be delivered by the
Corporation under the securities laws. 
  

 3 

	9.	Effect of Agreement 

 Except as otherwise
provided hereunder, this Agreement shall be binding upon and shall inure to the benefit of any successor or successors of the Corporation. 
  

	10.	Laws Applicable to Construction; Consent to Jurisdiction 

 The interpretation, performance and enforcement of this Agreement shall be governed by the laws of the State of Delaware without reference to principles of conflict of laws, as applied to contracts executed in and
performed wholly within the State of Delaware. In addition to the terms and conditions set forth in this Agreement, the RSUs are subject to the terms and conditions of the Plan, which are hereby incorporated by reference. 
 Any and all disputes arising under or out of this Agreement, including without limitation any issues involving the enforcement or interpretation of any
of the provisions of this Agreement, shall be resolved by the commencement of an appropriate action in the state or federal courts located within the State of Delaware, which shall be the exclusive jurisdiction for the resolution of any such
disputes. The Grantee hereby agrees and consents to the personal jurisdiction of said courts over the Grantee for purposes of the resolution of any and all such disputes. 
  

	11.	Severability 

 The invalidity or
enforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement. 
  

	12.	Conflicts and Interpretation 

 In the event
of any conflict between this Agreement and the Plan, the Plan shall control. In the event of any ambiguity in this Agreement, or any matters as to which this Agreement is silent, the Plan shall govern including, without limitation, the provisions
thereof pursuant to which the Committee has the power, among others, to (i) interpret the Plan, (ii) prescribe, amend and rescind rules and regulations relating to the Plan, and (iii) make all other determinations deemed necessary or
advisable for the administration of the Plan. 
  

	13.	Amendment 

 The Corporation may modify, amend
or waive the terms of the RSU award, prospectively or retroactively, but no such modification, amendment or waiver shall impair the rights of the Grantee without his or her consent, except as required by applicable law, NASDAQ or stock exchange
rules, tax rules or accounting rules. The waiver by either party of compliance with any provision of this Agreement shall not operate or be construed as a waiver of any other provision of this Agreement, or of any subsequent breach by such
party of a provision of this Agreement. 
  

 4 

	14.	Headings 

 The headings of paragraphs herein
are included solely for convenience of reference and shall not affect the meaning or interpretation of any of the provisions of this Agreement. 
  

	15.	Counterparts 

 This Agreement may be executed
in counterparts, which together shall constitute one and the same original. 
  

	16.	Data Protection 

 The Grantee authorizes the
release from time to time to the Corporation (and any of its subsidiaries or affiliated companies) and to the Agent (together, the “Relevant Companies”) of any and all personal or professional data that is necessary or desirable for the
administration of the Plan and/or this Agreement (the “Relevant Information”). Without limiting the above, Grantee permits his or her employing company to collect, process, register and transfer to the Relevant Companies all Relevant
Information (including any professional and personal data that may be useful or necessary for the purposes of the administration of the Plan and/or this Agreement and/or to implement or structure any further grants of equity awards (if
any)). Grantee hereby authorizes the Relevant Information to be transferred to any jurisdiction in which the Corporation, his or her employing company or the Agent considers appropriate. Grantee shall have access to, and the right to
change, the Relevant Information. Relevant Information will only be used in accordance with applicable law. 
 IN WITNESS WHEREOF, as of
the date first above written, the parties have executed this Agreement. 
  

			
	HSN, INC.
		
	By:	 	  

		 	James P. Warner, Executive Vice President
	
	  

	«grantee»

  

 5Exhibit 10.9 -- Modification Agreement

 Exhibit 10.9 
  

			
	Information Analysis Incorporated	 	2008 Annual Report on Form 10-K

  
  
 MODIFICATION AGREEMENT 
 This
MODIFICATION AGREEMENT entered into as of July 18, 2008, between Information Analysis Incorporated, a Virginia corporation, with an address of 11240 Waples Mill Road, Suite 201, Fairfax, Virginia 22030 (the “Borrower”) and TD Bank,
NA, a National banking association with an address of 2070 Chain Bridge Road, Vienna, Virginia 22182 (the “Bank”), successor to Commerce Bank, NA (“PREDECESSOR”). 
 WHEREAS, the Bank established a revolving line of credit (the “Revolving Loan”) for Borrower which matures on August 1, 2008 (the
“Maturity Date”) respecting which Bank agreed to Lend to Borrower upon Borrower’s request, but subject to the terms and conditions set forth in various loan documents, of up to One Million Dollars and Zero Cents ($1,000,000.00) (the
“Revolving Loan Amount”); 
 WHEREAS, the Revolving Loan is evidenced by that certain Promissory Note, dated December 20, 2005
(as previously amended, modified or supplemented, the “Note”), by the Borrower in favor of the Bank in the face amount of the Revolving Loan Amount; 
 WHEREAS, in connection with the Revolving Loan, Borrower entered into that certain Commercial Security Agreement, dated December 20, 2005 (as previously amended, modified or supplemented, the “Security
Agreement”); 
 WHEREAS, pursuant to the Commercial Security Agreement, Borrower granted the Bank a first priority security interest in
and lien on the personal property described therein (the “Personalty”); 
 WHEREAS, the Commercial Security Agreement and the
Promissory Note and all other documents and instruments executed in connection with or relating to the Loan are referred to herein, collectively, as the “Loan Documents”; and the Personalty and all other collateral granted to the Bank to
secure the Loan is referred to herein, collectively, as the “Collateral”; 
 WHEREAS, the Bank is the successor in interest to
PREDECESSOR with respect to the Loan and the Loan Documents, is the owner and holder of the Loan and the Loan Documents and, as such, the Borrower is indebted to the Bank therefor and thereunder; 
 WHEREAS, the Borrower has requested and the Bank has agreed to amend certain of the covenants applicable to the Loan; 
 WHEREAS, the Borrower and the Bank have agreed to modify the interest rate(s) applicable to the Loan; 
 WHEREAS, the Borrower and the Bank have agreed to modify the Loan and the Loan Documents in accordance with the terms of this Agreement. 
 NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Bank and the Borrower mutually
agree as follows: 

			
	Information Analysis Incorporated	 	2008 Annual Report on Form 10-K

  
  

 1. MODIFICATION 
 1.1 Recitals and Representations Accurate. The above recitals are hereby made a part of this Agreement and the Borrower acknowledges and agrees that each of the recitals is true and correct. 
 1.2 Ratification. All of the terms, covenants, provisions, representations, warranties, and conditions of the Loan Documents, as amended or modified hereby, are
ratified, acknowledged, confirmed, and continued in full force and effect as if fully restated herein. 
 1.3 Collateral. The Borrower confirms and
ratifies its continuing mortgage, pledge, assignment, and/or grant of security interest in and lien on the Collateral to and in favor of the Bank as set forth in the Loan Documents. 
 1.4 Interest Rate. The Borrower and the Bank agree that notwithstanding anything to the contrary in the Note as of the effective date of this Agreement, the outstanding principal balance of the Note, as
modified hereby, shall bear interest at a per annum rate equal to One-Quarter Percent (0.25%) above the Wall Street Journal Prime Rate (as hereinafter defined). 
 1.5 Index. Wall Street Journal Prime Rate means the highest rate published from time to time by the Wall Street Journal as the Prime Rate, or, in the event the Wall Street Journal ceases publication of the Prime Rate, the base,
reference or other rate then designated by the Bank, in its sole discretion, for general commercial loan reference purposes, it being understood that such rate is a reference rate, not necessarily the lowest, established from time to time, which
serves as the basis upon which effective interest rates are calculated for loans making reference thereto. 
 1.6 Amendment to Covenants.
Notwithstanding anything to the contrary contained in the Loan Documents, the Borrower will not at any time or during any fiscal period (as applicable) fail to be in compliance with any of the financial covenants set forth in Schedule 1.6, attached
hereto (the “Amended Covenants”). 
 1.7 Principal Balance. The Borrower acknowledges and agrees that the current outstanding principal
balance of the Note as of the date hereof is $0.00. 
 1.8 Amended and Restated Note. The Note shall be amended and restated in the form attached
hereto as Exhibit A (the “Amended Note”). 
 1.9 Representations and Warranties. The Borrower hereby represents and warrants to the Bank
that: 
 (a) The person executing this Agreement is duly authorized to do so and to bind the Borrower to the terms hereof; 
 (b) Each of the Loan Documents is a valid and legal binding obligation of the Borrower, enforceable in accordance with its terms, and is not subject to
any defenses, counterclaims, or offsets of any kind; 
 (c) All financial statements delivered to the Bank were true, accurate and complete,
in all material respects, as of the date of delivery to the Bank; 
 (d) Since the date of the Loan Documents there has been no material
adverse change in the condition, financial or otherwise, of the Borrower, except as disclosed to the Bank in writing; 
 (e) There exists no
action, suit, proceeding or investigation, at law or in equity, before any court, board, administrative body or other entity, pending or threatened, affecting the Borrower or its property, where in an unfavorable decision, ruling or finding would
materially adversely affect the business operations, property or financial condition of the Borrower; and 

			
	Information Analysis Incorporated	 	2008 Annual Report on Form 10-K

  
  

 (f) There exists no event of default, or other circumstance that with the passage of time or giving
of notice or both will become an event of default, under any of the Loan Documents. 
 1.10 Interest. Fees. Costs and Expenses. The Borrower shall,
simultaneously with the execution of this Agreement, pay to the Bank all accrued interest owing on the Loan as of the date of this Agreement together with all fees, costs and expenses due and owing to the Bank by the Borrower under the Loan
Documents. 
 1.11 Modification. Effective August 1, 2008 the Commercial Line of Credit shall be renewed for a period of twelve (12) months
to mature on August 1, 2009. 
 Effective August 1, 2008 the Interest rate being charged on this Commercial Line of Credit shall be
changed from Wall Street Journal Prime plus 0.75% to Wall Street Journal Prime plus 0.25%. 
 As further consideration for this Modification
Borrower agrees to pay to the Bank, upon execution of this Modification, the following fees: Commitment Fee $4,000.00, Documentation Prep Fee $200.00, Certificate of Good Standing $42.50, Judgement Search Fee $21.50. 
 2. MISCELLANEOUS 
 2.1 Set-Off. The Borrower
hereby grants to the Bank a continuing lien and security interest in any and all deposits or other sums at any time credited by or due from the Bank to the Borrower and any cash, securities, instruments or other property of the Borrower in the
possession of the Bank, whether for safekeeping or otherwise, or in transit to or from the Bank (regardless of the reason the Bank had received the same or whether the Bank has conditionally released the same) as security for the full and punctual
payment and performance of all of the liabilities and obligations of the Borrower to the Bank and such deposits and other sums may be applied or setoff against such liabilities and obligations of the Borrower to the Bank at any time, whether or not
such are then due, whether or not demand has been made and whether or not other collateral is then available to the Bank. 
 2.2 Release of the Bank.
The Borrower hereby confirms that as of the date hereof it has no claim, set-off, counterclaim, defense, or other cause of action against the Bank including, but not limited to, a defense of usury, any claim or cause of action at common law,
inequity, statutory or otherwise, in contract or in tort, for fraud, malfeasance, misrepresentation, financial loss, usury, deceptive trade practice, or any other loss, damage or liability of any kind, including, without limitation, any claim to
exemplary or punitive damages arising out of any transaction between the Borrower and the Bank. To the extent that any such set-off, counterclaim, defense, or other cause of action may exist or might hereafter arise based on facts known or unknown
that exist as of this date, such set-off, counterclaim, defense and other cause of action is hereby expressly and knowingly waived and released by the Borrower. The Borrower acknowledges that this release is part of the consideration to the Bank for
the financial and other accommodations granted by the Bank in this Agreement. 
 2.3 Costs and Expenses. The Borrower shall pay to the Bank on demand
any and all costs and expenses (including, without limitation, reasonable attorneys’ fees and disbursements, court costs, litigation and other expenses) incurred or paid by the Bank in establishing, maintaining, protecting or enforcing any of
the Bank’s rights or any of the obligations owing by the Borrower to the Bank, including, without limitation, any and all such costs and expenses incurred or paid by the Bank in defending the Bank’s security interest in, title or right to,
the Collateral or in collecting or attempting to collect or enforcing or attempting to enforce payment of the Loan. 
 2.4 Indemnification. The
Borrower shall indemnify, defend and hold the Bank and its directors, officers, employees, agents and attorneys (each an “Indemnitee”) harmless against any claim brought or threatened against any Indemnitee by the Borrower or any guarantor
or endorser of the obligations of the Borrower to the Bank, or any other person (as well as from attorneys’ fees and expenses in connection 

			
	Information Analysis Incorporated	 	2008 Annual Report on Form 10-K

  
  

 
therewith) on account of the Bank’s relationship with the Borrower, or any guarantor or endorser of the obligations of the Borrower to the Bank (each of
which may be defended, compromised, settled or pursued by the Bank with counsel of the Bank’s election, but at the expense of the Borrower), except for any claim arising out of the gross negligence or willful misconduct of the Bank. The within
indemnification shall survive payment of the obligations of the Borrower to the Bank, and/or any termination, release or discharge executed by the Bank in favor of the Borrower. 
 2.5 Severability. If any provision of this Agreement or portion of such provision or the application thereof to any person or circumstance shall to any extent be held invalid or unenforceable, the remainder of
this Agreement (or the remainder of such provision) and the application thereof to other persons or circumstances shall not be affected thereby. 
 2.6
Counterparts. This Agreement may be executed in two or more counterparts, each of which shall be an original, but all of which shall constitute but one agreement. 
 2.7 Bank’s Predecessor(s). All references in the Loan Documents to Bank and Commerce Bank, N.A. shall hereafter mean TD Bank, N.A., its successors and assigns. The Bank’s address, for all purposes,
shall be as set forth in the first paragraph of this Agreement. 
 2.8 Complete Agreement. This Agreement and the other Loan Documents constitute the
entire agreement and understanding between and among the parties hereto relating to the subject matter hereof, and supersedes all prior proposals, negotiations, agreements and understandings among the parties hereto with respect to such subject
matter. 
 2.9 Binding Effect of Agreement. This Agreement shall be binding upon and inure to the benefit of the respective heirs, executors,
administrators, legal representatives, successors and assigns of the parties hereto, and shall remain in full force and effect (and the Bank shall be entitled to rely thereon) until released in writing by the Bank. The Bank may transfer and assign
this Agreement and deliver the Collateral to the assignee, who shall thereupon have all of the rights of the Bank; and the Bank shall then be relieved and discharged of any responsibility or liability with respect to this Agreement and the
Collateral. Except as expressly provided herein or in the other Loan Documents, nothing, expressed or implied, is intended to confer upon any party, other than the parties hereto, any rights, remedies, obligations or liabilities under or by reason
of this Agreement or the other Loan Documents. 
 2.10 Further Assurances. The Borrower will from time to time execute and deliver to the Bank such
documents, and take or cause to be taken, all such other further action, as the Bank may request in order to effect and confirm or vest more securely in the Bank all rights contemplated by this Agreement (including, without limitation, to correct
clerical errors) or to vest more fully in or assure to the Bank the security interest in the Collateral or to comply with applicable statute or law and to facilitate the collection of the Collateral (including, without limitation, the execution of
stock transfer orders and stock powers, endorsement of promissory notes and instruments and notifications to obligors on the Collateral). To the extent permitted by applicable law, the Borrower authorizes the Bank to file financing statements,
continuation statements or amendments without the Borrower’s signature appearing thereon, and any such financing statements, continuation statements or amendments may be signed by the Bank on behalf of the Borrower, if necessary, and may be
filed at any time in any jurisdiction. The Bank may at any time and from time to time file financing statements, continuation statements and amendments thereto which contain any information required by the Virginia Uniform Commercial Code, Titles
8.1-8.10 Code of Virginia as amended from time to time (the “Code”) for the sufficiency or filing office acceptance of any financing statement, continuation statement or amendment, including whether the Borrower is an organization, the
type of organization and any organization identification number issued to the Borrower. The Borrower agrees to furnish any such information to the Bank promptly upon request. In addition, the Borrower shall at any time and from time to time take
such steps as the Bank may reasonably request for the Bank (i) to obtain an acknowledgment, in form and substance satisfactory to the Bank, of any bailee having possession of any of the Collateral that the bailee holds such Collateral for the
Bank, (ii) to obtain “control” (as defined in the Code) of any Collateral comprised of deposit accounts, electronic chattel 

			
	Information Analysis Incorporated	 	2008 Annual Report on Form 10-K

  
  

 
paper, letter of credit rights or investment property, with any agreements establishing control to be in form and substance satisfactory to Bank, and
(iii) otherwise to insure the continued perfection and priority of the Bank’s security interest in any of the Collateral and the preservation of its rights therein. The Borrower hereby constitutes the Bank its attorney-in-fact to execute,
if necessary, and file all filings required or so requested for the foregoing purposes, all acts of such attorney being hereby ratified and confirmed; and such power, being coupled with an interest, shall be irrevocable until this Agreement
terminates in accordance with its terms, all obligations of the Borrower to the Bank are irrevocably paid in full and the Collateral is released. 
 2.11
Amendments and Waivers. This Agreement may be amended and the Borrower may take any action herein prohibited, or omit to perform any act herein required to be performed by it, if the Borrower shall obtain the Bank’s prior written consent
to each such amendment, action or omission to act. No delay or omission on the part of the Bank in exercising any right hereunder shall operate as a waiver of such right or any other right and waiver on any one or more occasions shall not be
construed as a bar to or waiver of any right or remedy of the Bank on any future occasion. 
 2.12 Terms of Agreement. This Agreement shall continue
in force and effect so long as any obligation of the Borrower to Bank shall be outstanding and is supplementary to each and every other agreement between the Borrower and Bank and shall not be so construed as to limit or otherwise derogate from any
of the rights or remedies of Bank or any of the liabilities, obligations or undertakings of the Borrower under any such agreement, nor shall any contemporaneous or subsequent agreement between the Borrower and the Bank be construed to limit or
otherwise derogate from any of the rights or remedies of Bank or any of the liabilities, obligations or undertakings of the Borrower hereunder, unless such other agreement specifically refers to this Agreement and expressly so provides. 

2.13 Notices. Any notices under or pursuant to this Agreement shall be deemed duly received and effective if delivered in hand to any officer of agent of the
Borrower or Bank, or if mailed by registered or certified mail, return receipt requested, addressed to the Borrower or Bank at the address set forth in this Agreement or as any party may from time to time designate by written notice to the other
party; notwithstanding the foregoing notices to the Bank with respect to accounting and collateral release and notices to the Trustee pursuant to a Deed of Trust shall be sent to the Bank as follows: Attention: VP Loan Servicing, Loan Services, 6000
Atrium Way, Mt. Laurel NJ 08054. 
 2.14 Virginia Law. This Agreement is intended to take effect as a sealed instrument and has been executed or
completed and is to be performed in Virginia, and it and all transactions thereunder or pursuant thereto shall be governed as to interpretation, validity, effect, rights, duties and remedies of the parties thereunder and in all other respects by the
laws of Virginia without giving effect to the conflicts of laws principles thereof. 
 2.15 Reproductions. This Agreement and all documents which have
been or may be hereinafter furnished by Borrower to the Bank may be reproduced by the Bank by any photographic, photostatic, microfilm, xerographic or similar process, and any such reproduction shall be admissible in evidence as the original itself
in any judicial or administrative proceeding (whether or not the original is in existence and whether or not such reproduction was made in the regular course of business). 
 2.16 Venue. Borrower irrevocably submits to the nonexclusive jurisdiction of any Federal or state court sitting in Virginia, over any suit, action or proceeding arising out of or relating to this Agreement.
Borrower irrevocably waives to the fullest extent it may effectively do so under applicable law, any objection it may now or hereafter have to the laying of the venue of any such suit, action or proceeding brought in any such court and any claim
that the same has been brought in an inconvenient forum. Borrower irrevocably appoints the Secretary of State of the Commonwealth of Virginia as its authorized agent to accept and acknowledge on its behalf any and all process which may be served in
any such suit, action or proceeding, consents to such process being served (i) by mailing a copy thereof by registered or certified mail, postage prepaid, return receipt requested, to Borrower’s address shown above or as 

			
	Information Analysis Incorporated	 	2008 Annual Report on Form 10-K

  
  

 
Notified to the Bank and (ii) by serving the same upon such agent, and agrees that such service shall in every respect be deemed effective service upon
Borrower. 
 2.17 JURY WAIVER. BORROWER AND BANK EACH HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY, AND AFTER AN OPPORTUNITY TO CONSULT WITH LEGAL
COUNSEL, WAIVE (A) ANY AND ALL RIGHTS TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING IN CONNECTION WITH THIS AGREEMENT, THE OBLIGATIONS, ALL MATTERS CONTEMPLATED HEREBY AND DOCUMENTS EXECUTED IN CONNECTION HEREWITH AND (B) AGREE NOT TO
SEEK TO CONSOLIDATE ANY SUCH ACTION WITH ANY OTHER ACTION IN WHICH A JURY TRIAL CANNOT BE, OR HAS NOT BEEN WAIVED. THE BORROWER CERTIFIES THAT NEITHER THE BANK NOR ANY OF ITS REPRESENTATIVES, AGENTS OR COUNSEL HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT THE BANK WOULD NOT IN THE EVENT OF ANY SUCH PROCEEDING SEEK TO ENFORCE THIS WAIVER OF RIGHT TO TRIAL BY JURY. 
 Executed
under seal as of the date written above. 
  

			
	Borrower:
	
	Information Analysis Incorporated
		
	By:	 	  

		 	Sandor Rosenberg, Chief Executive Officer
		
	By:	 	  

		 	Richard S. DeRose, Executive Vice President

  

			
	Accepted: TD Bank, NA
		
	By:	 	  

	Name:	 	Philip J. Ayoub, Commercial Lending Officer

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