Document:

ubic_Ex4_25

		
			Exhibit 4.25
		

		
			
		

		
			
		

		
			

		 

 

Summary Translation of
		

		
			Bridge Loan Agreement for Acquisition of EvD, Inc. 
		

		
			 
		

		
			 
		

		
			Lender: Sumitomo Mitsui Banking Corporation.
		

		
			 
		

		
			Borrower: UBIC, Inc.
		

		
			 
		

		
			 
		

		
			1.  Purpose of loan agreement.
		

		
			 
		

		
			The purpose to meet the financial requirement arise from the acquisition of EvD, Inc.
		

		
			 
		

		
			2. Amount of loan and term.
		

		
			 
		

			
					
						Withdrawal

					
					
						Amount of Loan

					
					
						Loan Period

				
	
					
						Loan Withdrawal

					
					
						JPY 1,800,000,000

					
					
						July 28, 2015 to October 28, 2015

				

		
			  
		

		
			3. Interest rate and method of payment.
		

		
			 
		

		
			Interest shall be paid on the 20th day of every month. The interest rate is fixed during the term, and the annual borrowing interest rate formula is as below.
		

		
			 
		

			
					
						Withdrawal

					
					
						Amount of Loan

					
					
						Annual Borrowing Interest Rate Formula

				
	
					
						Loan Withdrawal

					
					
						JPY 1,800,000,000

					
					
						The institution’s procurement interest rate in short-run market + 0.3%

				

		
			 
		

		
			4. Repayment Date.
		

		
			 
		

		
			The Borrower shall repay all loan proceeds in a lump sum on the maturity date.
		

		
			 
		

		
			

		 

 

5. Prepayment.
		

		
			 
		

		
			The Borrower must obtain the Lender’s written consent if it desires to prepay the loan in advance of its maturity date. There is no prepayment penalty if the Lender accepts the Borrower’s prepayment request.
		

		
			 
		

		
			6.  Liability of breach of contract.
		

		
			 
		

		
			If there is a breach of the terms of the agreement, the Lender has the right, among other actions, to: 1) accelerate the loan (including all fees, costs and interest); 2) unilaterally terminate the agreement; and 3) deduct from the Borrower’s bank accounts opened at the Lender without judicial process, to pay principal, interest and other expenses due pursuant to the agreement.
		

		
			 
		

		
			7.  Loan recall and cross default.
		

		
			 
		

		
			The Lender has the right to recall the loan and implement cross default provisions if the Borrower:
		

		
			 
		

			
	
			
				 ·
			

			
	
			
			provides false documents or fails to disclose material facts; and

			
	
			
				 ·
			

			
	
			
			alters the purpose of the loan without Lender consent.

		
			 
		

		
			8.  Non-material terms.
		

		
			 
		

		
			The loan agreement contains terms concerning the following non-material matters, which have been omitted from this summary:
		

		
			 
		

			
	
			
				 ·
			

			
	
			
			Precondition for withdrawal;

			
	
			
				 ·
			

			
	
			
			Account supervision and payment of loan;

			
	
			
				 ·
			

			
	
			
			Repayment of capital and interest;

			
	
			
				 ·
			

			
	
			
			Notice provisions;

			
	
			
				 ·
			

			
	
			
			Law application and jurisdiction;

			
	
			
				 ·
			

			
	
			
			Notarization;

			
	
			
				 ·
			

			
	
			
			Obligations and promises; and

			
	
			
				 ·
			

			
	
			
			Obligation to reveal major transactions.ubic_Ex4_26

		
			Exhibit 4.26
		

		
			

		 

 

		

		
			
		

		
			

		 

 

Summary Translation of
		

		
			Bridge Loan Agreement for Acquisition of EvD, Inc. 
		

		
			 
		

		
			 
		

		
			Lender: Sumitomo Mitsui Banking Corporation.
		

		
			 
		

		
			Borrower: UBIC, Inc.
		

		
			 
		

		
			 
		

		
			1.  Purpose of loan agreement.
		

		
			 
		

		
			The purpose to meet the financial requirement arise from the acquisition of EvD, Inc.
		

		
			 
		

		
			2. Amount of loan and term.
		

		
			 
		

			
					
						Withdrawal

					
					
						Amount of Loan

					
					
						Loan Period

				
	
					
						Loan Withdrawal

					
					
						JPY 1,800,000,000

					
					
						October 28, 2015 to November 27, 2015

				

		
			  
		

		
			3. Interest rate and method of payment.
		

		
			 
		

		
			Interest shall be paid on the 20th day of every month. The interest rate is fixed during the term, and the annual borrowing interest rate formula is as below.
		

		
			 
		

			
					
						Withdrawal

					
					
						Amount of Loan

					
					
						Annual Borrowing Interest Rate Formula

				
	
					
						Loan Withdrawal

					
					
						JPY 1,800,000,000

					
					
						The institution’s procurement interest rate in short-run market + 0.3%

				

		
			 
		

		
			4. Repayment Date.
		

		
			 
		

		
			The Borrower shall repay all loan proceeds in a lump sum on the maturity date.
		

		
			 
		

		
			

		 

 

5. Prepayment.
		

		
			 
		

		
			The Borrower must obtain the Lender’s written consent if it desires to prepay the loan in advance of its maturity date. There is no prepayment penalty if the Lender accepts the Borrower’s prepayment request.
		

		
			 
		

		
			6.  Liability of breach of contract.
		

		
			 
		

		
			If there is a breach of the terms of the agreement, the Lender has the right, among other actions, to: 1) accelerate the loan (including all fees, costs and interest); 2) unilaterally terminate the agreement; and 3) deduct from the Borrower’s bank accounts opened at the Lender without judicial process, to pay principal, interest and other expenses due pursuant to the agreement.
		

		
			 
		

		
			7.  Loan recall and cross default.
		

		
			 
		

		
			The Lender has the right to recall the loan and implement cross default provisions if the Borrower:
		

		
			 
		

			
	
			
				 ·
			

			
	
			
			provides false documents or fails to disclose material facts; and

			
	
			
				 ·
			

			
	
			
			alters the purpose of the loan without Lender consent.

		
			 
		

		
			8.  Non-material terms.
		

		
			 
		

		
			The loan agreement contains terms concerning the following non-material matters, which have been omitted from this summary:
		

		
			 
		

			
	
			
				 ·
			

			
	
			
			Precondition for withdrawal;

			
	
			
				 ·
			

			
	
			
			Account supervision and payment of loan;

			
	
			
				 ·
			

			
	
			
			Repayment of capital and interest;

			
	
			
				 ·
			

			
	
			
			Notice provisions;

			
	
			
				 ·
			

			
	
			
			Law application and jurisdiction;

			
	
			
				 ·
			

			
	
			
			Notarization;

			
	
			
				 ·
			

			
	
			
			Obligations and promises; and

			
	
			
				 ·
			

			
	
			
			Obligation to reveal major transactions.ubic_Ex4_27

		
			Exhibit 4.27
		

		
			
		

		
			
		

		
			

		 

 

Summary Translation of
		

		
			Bridge Loan Agreement for Acquisition of EvD, Inc. 
		

		
			 
		

		
			 
		

		
			Lender: Sumitomo Mitsui Banking Corporation.
		

		
			 
		

		
			Borrower: UBIC, Inc.
		

		
			 
		

		
			 
		

		
			1.  Purpose of loan agreement.
		

		
			 
		

		
			The purpose to meet the financial requirement arise from the acquisition of EvD, Inc.
		

		
			 
		

		
			2. Amount of loan and term.
		

		
			 
		

			
					
						Withdrawal

					
					
						Amount of Loan

					
					
						Loan Period

				
	
					
						Loan Withdrawal

					
					
						JPY 1,800,000,000

					
					
						November27, 2015 to December 24, 2015

				

		
			  
		

		
			3. Interest rate and method of payment.
		

		
			 
		

		
			Interest shall be paid on the 20th day of every month. The interest rate is fixed during the term, and the annual borrowing interest rate formula is as below.
		

		
			 
		

			
					
						Withdrawal

					
					
						Amount of Loan

					
					
						Annual Borrowing Interest Rate Formula

				
	
					
						Loan Withdrawal

					
					
						JPY 1,800,000,000

					
					
						The institution’s procurement interest rate in short-run market + 0.3%

				

		
			 
		

		
			4. Repayment Date.
		

		
			 
		

		
			The Borrower shall repay all loan proceeds in a lump sum on the maturity date.
		

		
			 
		

		
			

		 

 

5. Prepayment.
		

		
			 
		

		
			The Borrower must obtain the Lender’s written consent if it desires to prepay the loan in advance of its maturity date. There is no prepayment penalty if the Lender accepts the Borrower’s prepayment request.
		

		
			 
		

		
			6.  Liability of breach of contract.
		

		
			 
		

		
			If there is a breach of the terms of the agreement, the Lender has the right, among other actions, to: 1) accelerate the loan (including all fees, costs and interest); 2) unilaterally terminate the agreement; and 3) deduct from the Borrower’s bank accounts opened at the Lender without judicial process, to pay principal, interest and other expenses due pursuant to the agreement.
		

		
			 
		

		
			7.  Loan recall and cross default.
		

		
			 
		

		
			The Lender has the right to recall the loan and implement cross default provisions if the Borrower:
		

		
			 
		

			
	
			
				 ·
			

			
	
			
			provides false documents or fails to disclose material facts; and

			
	
			
				 ·
			

			
	
			
			alters the purpose of the loan without Lender consent.

		
			 
		

		
			8.  Non-material terms.
		

		
			 
		

		
			The loan agreement contains terms concerning the following non-material matters, which have been omitted from this summary:
		

		
			 
		

			
	
			
				 ·
			

			
	
			
			Precondition for withdrawal;

			
	
			
				 ·
			

			
	
			
			Account supervision and payment of loan;

			
	
			
				 ·
			

			
	
			
			Repayment of capital and interest;

			
	
			
				 ·
			

			
	
			
			Notice provisions;

			
	
			
				 ·
			

			
	
			
			Law application and jurisdiction;

			
	
			
				 ·
			

			
	
			
			Notarization;

			
	
			
				 ·
			

			
	
			
			Obligations and promises; and

			
	
			
				 ·
			

			
	
			
			Obligation to reveal major transactions.

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