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Exhibit 10.1

EXECUTIVE RETENTION LIFE INSURANCE AGREEMENT
This Executive Retention Life Insurance Agreement (the “Agreement”) is made and entered into as of November 3, 2022, by and between Vincent J. Delie, Jr. (“Executive”) and F.N.B. Corporation (“Company”).
RECITALS
 
						
	A.	The Company will annually provide the Executive with compensation as an inducement for the Executive’s continued employment in the future;

 
						
	B.	The Company and the Executive desire to have the terms and conditions of the compensation and the criteria pursuant to which such compensation will be paid reduced to a written agreement, with capitalized terms included herein defined in Article III hereof.
	 	

NOW, THEREFORE, in consideration of the foregoing, and the mutual agreements and covenants set forth below, the Company and the Executive agree as follows:

        

ARTICLE I
COMPENSATION AND POLICY
 
						
	1.1	Payment of Compensation. In addition to any other compensation paid by the Company to the Executive for services rendered, during the term of this Agreement the Company agrees to: (i) remit a Premium to the Insurer, on the Executive’s behalf, at the beginning of any Policy Year on the specified due date for the Premium, provided that Executive remains continuously employed by the Company through such date and has not provided or is otherwise on notice of termination on such date; provided, that the Company shall be obligated to remit the Premium with respect to the Policy Year beginning in 2023 if the Executive remains continuously employed by the Company at any time in 2023 and, provided further, that if the Executive is continuously employed by the Company through December 31, 2027, the Company shall be obligated to remit the Premiums with respect to each Policy Year, on the specified due dates, through the end of the Policy Year in which the Executive attains age sixty-eight (68) regardless of whether Executive voluntarily terminates his employment prior to the attainment of age sixty-eight (68), unless Executive violates any restrictive covenants contained in that certain Employment Agreement by and between Executive and the Company dated December 15, 2010, or successor agreement (the “Employment Agreement”).  Notwithstanding the foregoing, if either (i) the Company terminates Executive’s employment without Cause prior to termination of this Agreement or (ii) the Executive terminates his employment for Good Reason upon or following a Change in Control, as each are defined the Employment Agreement, prior to the termination of this Agreement, the Company shall be obligated to remit to the Insurer an additional premium amount needed for the Policy to become fully paid-up, such that all the premium payments are complete and the Executive is free of all payment obligations and the Policy will remain intact and fully paid until the Executive’s death.  Such additional premium amount shall be paid to the Insurer within thirty (30) days following the Company’s termination of Executive’s employment (i) without Cause or (ii) for Good Reason upon or following a Change in Control, in each case during the term of this Agreement.

						
	1.2	Withholding. The Company may withhold applicable taxes due from the compensation payment in Section 1.1 from any other compensation due to the Executive, or may require Executive to remit the applicable taxes directly to the Company as a condition of payment of the Premium.  

 
						
	1.3	Policy.  The Executive shall be the owner of the Policy, and may exercise all ownership rights granted to the Executive by the terms of the Policy. Notwithstanding any other provisions of this Agreement or any form of policy assignment executed by Executive in connection with this Agreement, it is the express intention of the parties to reserve to the Executive all rights in and to the Policy granted to the Executive by its terms, including, but not limited to, the right to assign the Executive’s interest in the Policy, the right to change the beneficiary of the Policy, the right to exercise settlement options, the right to borrow against the cash value of the Policy, the right to continue making Premium payments following the cessation of the Company’s obligations under this Agreement, and the right to surrender or cancel the Policy, in whole or in part.  

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ARTICLE II
MISCELLANEOUS
 
						
	2.1	Term of Agreement. The term of this Agreement shall commence on the Effective Date and shall continue in effect until the end of the Policy Year in which the Executive attains age sixty-eight (68).  Notwithstanding the foregoing, this Agreement shall automatically terminate, and the Company’s obligation to make further payments hereunder shall thereby cease, upon: (i) the Executive’s death, (ii) the date the Executive voluntarily terminates employment prior to attaining age sixty-eight (68), (iii) the date the Executive is terminated for Cause, and/or (iv) the date the Executive violates any restrictive covenants contained in that certain Employment Agreement.  

						
	2.2	Administration. The Company shall be responsible for administering this Agreement and for payment of any Premiums, provided that Executive shall notify the Company of correspondence with the Insurer for the purposes of facilitating administration of its obligations.  

						
	2.3	 Successors and Assigns. This Agreement shall bind the Company, its successors and assigns, and the Executive and his heirs, executors, administrators and transferees, and any Policy beneficiary. In connection with any merger or consolidation, the Company shall require any succeeding or continuing employer, corporation or other organization to expressly assume the rights and obligations of the Company set forth in this Agreement.

 
						
	2.4	 Effect on Employment. This Agreement shall not be deemed to constitute a contract of employment between the parties, nor shall any provision restrict the right of the Company to terminate Executive’s employment for any reason or Executive to terminate his employment, at any time.

	2.5	 Insurer. The Insurer shall be bound only by the provisions of and endorsements on the Policy, and any payments made or action taken by it in accordance with the Policy shall fully discharge it from all claims, suits and demands of all persons whatsoever. Except as specifically provided by endorsement on the Policy and as provided in the Assignment, the Insurer shall in no way be bound by the provisions of this Agreement. 

	2.6	Miscellaneous. This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without reference to principles of conflict of laws. The captions of this Agreement are not part of the provisions hereof and shall have no force or effect. This Agreement may not be amended or modified other than by a written agreement executed by the parties hereto or their respective successors and legal representatives. All notices and other communications hereunder shall be in writing and shall be given by hand delivery to the other party or by registered or certified mail, return receipt requested, postage prepaid, addressed as follows:

If to the Executive, to the address listed on the Company’s records.
If to the Company:
F.N.B. Corporation.
One North Shore Center
12 Federal Street
Pittsburgh, Pennsylvania  15212
ATTN:  Chief Legal Officer
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or to such other addresses as either party shall have furnished to the other in writing in accordance herewith. Notice and communications shall be effective when actually received by the addressee.
ARTICLE III
DEFINITIONS AND CONSTRUCTION

						
	3.1	Definitions. For purposes of this Agreement, unless otherwise clearly apparent from the context, the following phrases or items shall have the following indicated meanings:

 
									
	 	(a)	“Cause” shall mean the Executive’s (A) willful and continued failure substantially to perform the Executive’s material duties with the Company other than due to physical or mental impairment or illness, (B) fraud or breach of fiduciary duty involving the Executive’s attainment of a personal advantage, misappropriation or other willful actions that cause material damage to the property or business of the Company, or (C) admission or conviction of, or plea of nolo contendere to, any felony or any other crime referenced in Section 19 of the Federal Deposit Insurance Act that, in the reasonable judgment of the Board, adversely affects the Company’s reputation or the Executive’s ability to carry out the Executive’s obligations.  The Company must provide written notice to the Executive within ninety (90) days of the initial occurrence of an event set forth in clause (A) of this subsection alleged to constitute “Cause” under this Agreement. Upon such notice the Executive shall have a period of thirty (30) days during which he may remedy the condition.

 
									
	 	(b)	“Effective Date” shall mean the date the Insurer issues the Executive’s Policy.

 
									
	 	(c)	“Insurer” shall mean the carrier of the Policy for purposes of remitting the Premium.

 
									
	 	(d)	“Policy” shall mean the life insurance policy by the Insurer and owned by the Executive or the Executive’s designee, for which the Company shall remit Premium to the Insurer on the Executive’s behalf.

									
	 	(e)	“Policy Year” shall mean the twelve (12) month period commencing on the Effective Date, and every twelve (12) month period commencing thereafter.

 
									
	 	(f)	“Premium” shall mean the amount required to fund the Policy for a given Policy Year, which shall be remitted to the Insurer on the Executive’s behalf, for the Policy.

						
	3.2	Construction. The singular shall include the plural, unless the context clearly indicates to the contrary. Headings and subheadings are for the purpose of reference only and are not to be considered in construction of this Agreement. If any provision of this Agreement is determined to be for any reason invalid or unenforceable, the remaining provisions shall continue in full force and effect.

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IN WITNESS WHEREOF, the parties hereto have executed this Agreement on the date first above written.
 
																					
							
	COMPANY	 		 	EXECUTIVE
				
	By:	 	/s/ Charles C. Casalnova	 		 	/s/ Vincent J. Delie, Jr.
				
	Its:	 	SVP and Director Human Resources and Corporate Services	 		 	Chairman, President and CEO

 
    - 5 -Exhibit
10.7

 

Awaysis
capital inc.

DEMAND
PROMISSORY Note

 

	$2,600,000.00	Plantation,
    FL	June
    30, 2022

 

FOR
VALUE RECEIVED, the undersigned, Awaysis Capital, Inc., a Delaware Corporation (“Borrower”), hereby issues
this Promissory Note (the “Promissory Note”) and promises to pay to the order of Curah Capital Corporation, (individually
referred herein as “Lender” and collectively “Lenders”) , or as designated from time to time, in lawful money
of the United States of America, the principal sum of Two Million Six Hundred Thousand and no/100ths Dollars ($2,600,000.00) (the
“Principal Amount”), together with interest on the Principal Amount (including all other renewals, extensions, modifications
or substitutions hereof).

 

1.
Interest; Penalty Fees. An interest rate of null percent (0%) per annum non-compounded (the “Interest Rate”) applied
to the Principal Amount, or any portion thereof due a particular Lender, applied on an actual/365 day basis, starting from the day proceeds
are received by the Borrower until the Maturity Date (as defined below).

 

2.
Repayment Terms. The entire unpaid Principal Amount plus all accrued and unpaid interest thereon and costs, shall be due and
payable upon written Demand of the Lender delivered to Awaysis Capital at its principal place of business at 4405 Peters Road, Plantation,
Florida 33317. This address may be amended by written notice to the Lender at 3230 Yonge Street, Suite 200, Toronto, Ontario, Canada
M4N 3P69 The date of the receipt of this notice shall be the date of maturity of the note (the “Maturity Date”), or on the
day an Event of Default as defined below occurs (the “Date of Default”) whichever shall occur first. All remaining principal,
interest, and costs shall be due and payable in full on the Maturity Date, or on the day the Lenders give written notice of the acceleration
of this Promissory Note pursuant to an Event of Default as defined in Section 5 of the Loan Agreement (as defined below), whichever shall
come first.

 

3.
Application of Payments. Monies received by Lenders from any source for application toward payment of the obligations hereunder
shall be applied first to interest and costs and then to principal. If an Event of Default (as defined below) occurs, monies may be applied
to the obligations in any manner deemed appropriate by the Lender. If any payment received by the Lender under this Promissory Note is
rescinded, voided or for any reason returned by the Lender because of any adverse claim or threatened action, the returned payment shall
remain payable as an obligation of Borrower as though such payment had not been made.

 

4.
This Section is Left Intentionally Blank.

 

    	 

     

    

 

5.
Events of Default; Remedy. If any of the following occurs, an event of default (“Event of Default”) under
this Promissory Note shall exist:

 

(a)
Failure by Borrower to pay the entire Principal Amount, plus all accrued and unpaid interest thereon on the Maturity Date, or

 

(b)
Material failure by Borrower to perform or observe any agreement, covenant or condition contained herein or contained in the Loan Agreement;
or 

 

(c)
The occurrence of any Event of Default defined as any dissolution, winding down of operations, or bankruptcy proceedings initiated by
the Borrower.

 

No
acceptance of a past-due installment or other indulgences granted from time to time, shall be construed as a novation of this Promissory
Note or as a waiver of any right or of the right of the Lenders thereafter to insist upon strict compliance with the terms of this Promissory
Note or to prevent the exercise of any right or any other right granted hereunder or by applicable laws.

 

6.
Governing Law; Changes. This Promissory Note may not be changed orally, but only by an agreement in writing signed by the
party against whom enforcement of any waiver, change, modification or discharge is sought, be it the Borrower or by the Lender. This
Promissory Note is intended as a contract under and shall be construed and enforceable in accordance with the laws of the State of Florida,
without regard to principles of conflict of laws.

 

7.
Payments Not to Violate Law. Nothing contained herein, nor any transaction related hereto, shall be construed to, or operate
so as to, require the Borrower to pay interest at a rate greater than it is now lawful in such case for which to contract, or to make
any payment or to do any act contrary to applicable law, and the Lender shall reimburse the Borrower for any interest paid in excess
of the highest rate allowed by applicable law or any other payment which may inadvertently be required by the Lender to be paid contrary
to applicable law; and if any clauses or provisions herein contained operate or would prospectively operate to invalidate this Promissory
Note, in whole or in part, then such clauses and provisions only shall be held for naught, as though not herein contained, and the remainder
of this Promissory Note shall remain operative and in full force and effect.

 

8.
Miscellaneous. Borrower hereby waives presentment for payment, demand, protest, notice of nonpayment or dishonor and of protest,
and any and all other notices and demands whatsoever, and agrees to remain bound under this Promissory Note until the principal and interest
are paid in full, notwithstanding any extensions of time for payment which may be granted even though the period or periods of extension
be indefinite and notwithstanding any inaction by, or failure to assert any legal rights available to the Lender of this Promissory Note.
Borrower acknowledges that the Lender may reproduce (by electronic means or otherwise) any of the documents evidencing this Promissory
Note and thereafter may destroy the original documents. Borrower hereby agrees that any document so reproduced shall be the binding obligation
of Borrower enforceable and admissible in evidence against it to the same extent as if the original documents had not been destroyed.

 

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9.
Subordination. The rights of the Holder of this Note to receive payment hereunder and other rights of the Holder of this Note
are subject and subordinate to the rights of any Senior Secured Parties of the Maker. Maker will not make and Lender will not accept,
at any time while indebtedness is owing and outstanding to Senior Secured Parties, (A) any principal payments to Senior Secured Parties,
(B) any advance, transfer, or assignment of assets as security to the Lenders. Notwithstanding the foregoing, Borrower may make regularly
scheduled payments of interest only to Creditor so as Maker is not in default under any agreement between Maker and Senior Secured Party.

 

In
the event of any distribution, division, or application, whether partial or complete, voluntary or involuntary, by operation of law or
otherwise, of all or any part of the Marker’s assets, or the proceeds of Maker’s assets, in whatever form, to creditors of
Makers or upon indebtedness of Borrower, whether by reason of the liquidation, dissolution or other winding-up of Maker, or by reason
of any execution sale, receivership, insolvency, or bankruptcy proceeding, assignment for the benefit of creditors, proceedings for reorganization,
or readjustment of Maker or Maker’s properties, then and in such event, the Senior Secured Parties shall be paid in full before
any payment is made to the Lenders.

 

10.
Mutual Waiver of Jury Trial. BORROWER AND THE LENDERS EACH HEREBY WAIVE THE RIGHT TO TRIAL BY JURY IN ANY ACTION OR PROCEEDING
BASED UPON, ARISING OUT OF, OR IN ANY WAY RELATING TO, THIS PROMISSORY NOTE OR ANY OTHER PRESENT OR FUTURE INSTRUMENT BETWEEN THE LENDERS
AND BORROWER, OR ANY CONDUCT, ACTS OR OMISSIONS OF THE LENDERS OR BORROWER OR ANY OF THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, ATTORNEYS
OR ANY OTHER PERSONS AFFILIATED WITH THE LENDERS OR BORROWER, IN ALL OF THE FOREGOING CASES, WHETHER SOUNDING IN CONTRACT OR TORT OR
OTHERWISE.

 

Executed
as of the day and year first above written.

 

	WITNESS	AWAYSIS
    CAPITAL, INC.
	 	 	 
	 	By:	/s/
Andrew Trumbach
	 	Name:	Andrew
Trumbach
	 	Title:	President

 

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