Document:

Exhibit

Exhibit 10.3

CERTAIN INFORMATION, IDENTIFIED BY [*****], HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE COMPANY IF PUBLICLY DISCLOSED.

AMENDMENT 6 TO
LOAN ORIGINATION AGREEMENT

This Amendment 6 to Loan Origination Agreement (this “Amendment”) is made effective as of April 1, 2019 by and between GreenSky, LLC (f/k/a GreenSky Trade Credit, LLC) (“Servicer”) and Regions Bank (“Regions”).

RECITALS
    
WHEREAS, Servicer and Regions entered into that certain Loan Origination Agreement dated as of November 25, 2014, as amended (collectively, the “Origination Agreement”); and

WHEREAS, Servicer and Regions wish to amend the Origination Agreement as set forth herein; 

NOW THEREFORE, for and in consideration of the mutual obligations and conditions set forth herein, and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged by each party hereto, Servicer and Regions agree as follows:

		
	1.
	Recitals. The above recitals are incorporated herein and deemed a part of this Amendment.

		
	2.
	Capitalized Terms. Capitalized terms used but not otherwise herein defined are used as defined in the Origination Agreement.

		
	3.
	Amendment to Origination Agreement. 

		
	a.
	Schedule B to the Origination Agreement is hereby amended by adding the following as a new item “d” in the “[*****]” category of the “[*****]” subsection under the heading “[*****]” contained therein:

“d.  [*****]”

		
	b.
	Schedule B to the Origination Agreement is hereby amended by adding the following as a new item “H” in the “[*****]” subsection under the heading “[*****]” contained therein:

“H.    [*****]”

		
	c.
	Schedule B to the Origination Agreement is hereby amended by adding a new item “C” in the “[*****]” section:

“C.    [*****]”

		
	4.
	Incorporation. This Amendment is hereby incorporated into, shall be a part of, and is subject in all respects to the terms of the Origination Agreement. Except as amended by 

this Amendment, all the terms, conditions and covenants of the Origination Agreement are valid, shall remain in full force and effect, and are hereby ratified and confirmed; provided that the event of any inconsistencies between the terms this Amendment and the terms of the Origination Agreement, the terms of this Amendment shall control with respect to the express subject matter hereof.

		
	5.
	Entire Agreement. The Origination Agreement, as amended by this Amendment, contains the entire agreement of the parties with respect to the matters covered and no other prior promises, negotiations or discussions, oral or written, made by any party or its employees, officers or agents shall be valid and binding.

		
	6.
	Counterparts and Signatures. This Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed and delivered shall be deemed an original and all of which when taken together shall constitute one and the same instrument. This Amendment may be executed by facsimile or PDF, and a fax or PDF of an original signature shall be deemed the equivalent of an original.

[signature page follows]

3

IN WITNESS WHEREOF, the parties have duly executed this Amendment by their respective authorized representatives as of the date first set forth above.

GREENSKY, LLC

By:     /s/ Timothy D. Kaliban        
Name:    Timothy D. Kaliban
Title:    President

    

REGIONS BANK

By:     /s/ Craig Williams            
Name:    Craig Williams
Title:    EVP / Assistant General Counsel

3Exhibit

Exhibit 10.4

AMENDMENT NO. 7 TO LOAN ORIGINATION AGREEMENT

THIS AMENDMENT NO. 7 TO LOAN ORIGINATION AGREEMENT (this “Amendment”) is made as of May 15, 2019 by and between GreenSky, LLC, a Georgia limited liability company (“Servicer”), and Fifth Third Bank, an Ohio-chartered, FDIC-insured bank (“Lender”).  Capitalized terms used herein and not otherwise defined herein shall have the meanings ascribed to such terms in the Loan Origination Agreement (as defined herein).
WITNESSETH:
WHEREAS, Lender and Servicer have previously entered into that certain Loan Origination Agreement dated as of August 25, 2016, as amended (collectively, the “Loan Origination Agreement”); 
WHEREAS, Lender and Servicer desire to further amend the Loan Origination Agreement as set forth herein; 
NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Lender and Servicer hereby agree as follows:
1.    The Loan Origination Agreement is hereby amended by deleting Section 6.01 thereof in its entirety and inserting the following in lieu thereof:
“Secton 6.01    Term.  This Loan Origination Agreement shall commence as of the Effective Date and shall continue until November 23, 2019, provided that such date shall be extended automatically for additional one year periods without further action by the Parties, unless not less than 90 days prior to the expiration date then in effect either party gives the other party written notice of nonrenewal.”
2.    Except as expressly amended hereby, the Loan Origination Agreement shall remain in full force and effect.
3.    This Amendment may be executed and delivered by Lender and Servicer in facsimile or PDF format and in any number of separate counterparts, all of which, when delivered, shall together constitute one and the same document.

[Signature page follows]

    

    

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

SERVICER:

GREENSKY, LLC

By:     /s/ Robert Partlow            
Name:    Robert Partlow
Title:    CFO

    

LENDER:

FIFTH THIRD BANK

By:     /s/ Ben Hoffman            
Name:    Ben Hoffman
Title:    SVP

By:     /s/ Jennifer Bosse            
Name:    Jennifer Bosse
Title:    Senior Analyst Sourcing OfficerExhibit 10.1

 

 

 

July 8, 2019

 

Mr. Robert Costa 

V&R Costa Management,
LLC 

325 South Rivet Street,
Suite 302 

Hackensack, New Jersey
07647-2498

 

		Re:	Amendmentand
                                         Extension of Lease (this “Amendment”)
                                         between V&R Costa Management, LLC, as successor-in-interest to S & R Costa Realty,
                                         L.P. (“Landlord”),
                                         and Inrad, Inc. (“Tenant”),
                                         dated as of November 1, 2003 (as amended and extended, the “Lease”)
                                         concerning 41,935 sq. ft. located at certain premises commonly known as 181 Legrand Avenue,
                                         Northvale, New Jersey (the “Premises”)

 

Dear Mr. Costa:

 

The
following are the terms upon which Landlord and Tenant agree to amend the Lease, effective as of June 1, 2019 (all capitalized
terms not otherwise set forth herein shall have those meanings ascribed to them in the Lease):

 

	Extension of Term:	 	The
    term of the Lease shall be extended for a period of three (3) years, commencing June 1, 2019 and expiring May 31. 2022 (the
    “Extended Term”).
	 	 	 
	Base Rent:	 	Base
    rent during the Extended Term (6/1/19 — 5/31/2022) shall be $7.30 per square foot, net:

 

	Annual Rent	 	 	Monthly Rent	 
	$	306,125.50	 	 	$	25,510.46	 

 

	Renewal Option:	 	Tenant
    shall have the option to renew the Lease for an additional term of three (3) years (the “Renewal Term”)
    under the same terms, covenants and conditions of the Lease upon providing written notice to Landlord of such option exercise
    no later than six (6) months prior to the expiration of the Extended Term, subject to an increase in Base Rent during such
    Renewal Term (6/1/22 — 5/31/2025) to $7.75 per square foot, net:

 

	Annual Rent	 	 	Monthly Rent	 
	$	324,996.25	 	 	$	27,083.02	 

 

	Security Deposit:	 	The
    Security Deposit of $47,176.88 shall be increased by $3,844.04 upon the execution of this amendment. Landlord acknowledges
    and confirms receipt of said Security Deposit (as increased hereby).

 

181 Legrand Avenue, Northvale, NJ 07647      www.inradoptics.com
     P: 201-767-1910      F: 201-767-9644

 

     

     

    

  

	Mr. Robert
    Costa	July 8,
    2019
	V&R Costa Management,
    LLC	Page 2
	Hackensack, NJ 07601	 

 

	Work
    by Landlord:	 	Landlord
    has agreed, at its sole cost and expense, to (i) complete all repairs to the roof and safely secure the exterior metal stairs;
    (ii) bring the roof access into regulatory compliance; (iii) replace stained ceiling tiles throughout the Premises; (iv) repave
    and restripe the entire parking lot serving the Premises; and (v) repair or replace three non-functioning HVAC units (as identified
    by Tenant) (collectively, the “Landlord’s Work”). The parties agree that Landlord’s Work shall be
    completed by no later than December 31, 2019.
	 	 	 
	Broker	 	Landlord
    and Tenant each represents that it dealt with no broker in connection with this Amendment. Landlord and Tenant each indemnifies
    and holds the other harmless from any and all loss, cost, liability, claim, damage or expense (including court costs and attorneys’
    fees) arising out of any inaccuracy or alleged inaccuracy of the above representation.

 

All other
terms and conditions of the Lease remain in full force and effect. In the event of any conflict between the terms contained in
this Amendment and the Lease, the terms herein contained shall supersede and control the obligations and liabilities of the parties.

 

This Amendment
shall be binding upon and shall inure to the benefit of the parties and their permitted successors and/or assigns. This Amendment
becomes effective only upon execution and delivery hereof by Landlord and Tenant The captions of the paragraphs and subparagraphs
in this Amendment are inserted and included solely for convenience and shall not be considered or given any effect in construing
the provisions hereof.

 

If the
foregoing Amendment is acceptable, kindly countersign this Amendment where indicated below.

 

	 	Sincerely,
	 	 
	 	/s/ Theresa
    A. Balog
	 	Theresa
    A. Balog
	 	CFO,
    Secretary and Treasurer

 

	cc        Ms.
    Amy Eskilson	 
	 	 
	AGREED:	 
	 	 
	By Landlord:	 
	V&R Costa Management, LLC	 
	 	 
	By:	/s/ Mr. Robert Costa	 
	 	Mr. Robert Costa	 

 

     

     

    

 

Via
Regular Mail & Hand Delivery

Inrad
Optics 

181
Legrand Avenue 

Northvale,
New Jersey 07647

 

		RE:	Management
                                         Letter

520
Main Street, Fort Lee, New Jersey

 

Dear
Occupants/Licensees:

 

I,
the undersigned, hereby give you notice that I have transferred management and are in the process of transferring ownership of
the premises situated at 181 Legrand Avenue, Northvale, New Jersey 07647, which you currently occupy as a licensee, to V &
R Costa Management, LLC.

 

Therefore,
effective February 1, 2019, I hereby authorize and request you forthwith to pay all rents and obligations under your lease to
V & R Costa Management, LLC, the manager of the premises. All future rental payments shall be sent to V & R
Costa Management, LLC, c/o Costa Engineering Corp., 325 South River Street, Suite 302, Hackensack,
New Jersey 07601.

 

Thank
you.

 

	 	Very
    truly yours,
	 	The
    S & R Costa Realty Limited Partnership
	 	 
	 	/s/
    Anglo Costa
	 	Anglo
    Costa, Authorized Signatory

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