Document:

ck1690012-ex1022_709.htm

 

Exhibit 10.22

EXECUTION

 

AMENDMENT NO. 1 TO MASTER REPURCHASE AGREEMENT

 

Amendment No. 1 to Master Repurchase Agreement, dated as of June 14, 2018 (this “Amendment”), among Column Financial, Inc. (“Column”), as Administrative Agent on behalf of Buyers (in such capacity, the “Administrative Agent”), Credit Suisse AG, a company incorporated in Switzerland, acting through its Cayman Islands Branch (“CS Cayman” and a “Buyer”), Alpine Securitization LTD (“Alpine” and a “Buyer” and collectively with CS Cayman, the “Buyers”), InPoint CS Loan, LLC (the “Seller”) and InPoint Commercial Real Estate Income, Inc. (the “Guarantor”).

 

RECITALS

 

The Administrative Agent, the Buyers and the Seller are parties to that certain Master Repurchase Agreement, dated as of February 15, 2018 (the “Existing Repurchase Agreement”; as amended by this Amendment, the “Repurchase Agreement”). The Administrative Agent, the Buyers, the Seller and the Guarantor are parties to that certain Pricing Side Letter, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Side Letter”). The Guarantor is party to that certain Guaranty, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Guaranty”), made by the Guarantor in favor of the Administrative Agent for the benefit of Buyers. Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Existing Repurchase Agreement, the Pricing Side Letter and the Guaranty, as applicable.

 

The Administrative Agent, the Buyers, the Seller and the Guarantor have agreed, subject to the terms and conditions of this Amendment, that the Existing Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement. As a condition precedent to amending the Existing Repurchase Agreement, the Administrative Agent has required the Guarantor to ratify and affirm the Guaranty on the date hereof.

 

Accordingly, the Administrative Agent, the Buyers, the Seller and the Guarantor hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows:

 

SECTION 1. Definitions. Section 2 of the Existing Repurchase Agreement is hereby amended by adding the following definitions in alphabetical order:

 

“Beneficial Ownership Certification” means a certification regarding beneficial ownership required by the Beneficial Ownership Regulation.

 

“Beneficial Ownership Regulation” means 31 C.F.R. § 1010.230.

 

 

SECTION 2. Covenants. Section 14(d) of the Existing Repurchase Agreement is hereby amended by deleting such section in its entirety and replacing it with the following:

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(d) Beneficial Ownership Certification. Seller shall at all times either (i) ensure that the Seller has delivered to Administrative Agent a Beneficial Ownership Certification, if applicable, and that the information contained therein is true and correct in all respects or (ii) deliver to Administrative Agent an updated Beneficial Ownership Certification within one (1) Business Day following the date on which the information contained in any previously delivered Beneficial Ownership Certification ceases to be true and correct in all respects.

 

SECTION 3. Conditions Precedent. This Amendment shall become effective as of the date hereof (the “Amendment Effective Date”), subject to the satisfaction of the following conditions precedent:

 

3.1 Delivered Documents. On the Amendment Effective Date, the Administrative Agent shall have received the following documents, each of which shall be satisfactory to the Administrative Agent in form and substance:

 

(a)this Amendment, executed and delivered by duly authorized officers of the Administrative Agent, the Buyers, the Seller and the Guarantor;

 

(b)Amendment No. 1 to Pricing Side Letter, executed and delivered by duly authorized officers of the Administrative Agent, the Buyers, the Seller and the Guarantor; and

 

(c)such other documents as the Administrative Agent or counsel to the Administrative Agent may reasonably request.

 

SECTION 4. Representations and Warranties. Seller hereby represents and warrants to the Administrative Agent and the Buyers that it is in compliance with all the terms and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms the representations and warranties contained in Section 13 of the Repurchase Agreement.

 

SECTION 5. Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms. From and after the date hereof any reference in the Program Agreements to the Repurchase Agreement shall be deemed a reference to the Repurchase Agreement, as amended hereby.

 

SECTION 6. Counterparts. This Amendment may be executed in one or more counterparts, each of which shall be deemed to be an original, and all such counterparts shall together constitute one and the same instrument. Delivery by electronic mail of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart of this Amendment.

 

SECTION 7. Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement.

 

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SECTION 8. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE CHOICE OF LAW PROVISIONS THEREOF (OTHER THAN SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW).

 

SECTION 9. Reaffirmation of Guaranty. The Guarantor hereby ratifies and affirms all of the terms, covenants, conditions and obligations of the Guaranty and acknowledges and agrees that the term “Obligations” as used in the Guaranty shall apply to all of the Obligations of the Seller to the Administrative Agent and the Buyers under the Repurchase Agreement and related Program Agreements, as amended hereby.

 

[SIGNATURE PAGE FOLLOWS]

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COLUMN FINANCIAL, INC., as Administrative Agent

By:/s/ Jack Hempling

Name:Jack Hempling

Title:Authorized Signatory

CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH, as a Buyer

By:/s/ Jack Hempling

Name:Jack Hempling

Title:Authorized Signatory

By:/s/ Patrick J. Hart

Name:Patrick J. Hart

Title:Vice President

ALPINE SECURITIZATION LTD, as a Buyer, by CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH as Attorney-in-Fact

By:/s/ Elie Chau

Name:Elie Chau

Title:Authorized Signatory

By:/s/ Patrick J. Hart

Name:Patrick J. Hart

Title:Vice President

 

INPOINT CS LOAN, LLC, as Seller

By:s/ Andrew Winer

Name:Andrew Winer

Title:Chief Investment Officer

INPOINT COMMERCIAL REAL ESTATE INCOME, INC., as Guarantor

 

By:s/ Andrew Winer

Name:Andrew Winer

Title:Chief Investment Officer

 

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EXECUTION

 

AMENDMENT NO. 2 TO MASTER REPURCHASE AGREEMENT

 

Amendment No. 2 to Master Repurchase Agreement, dated as of May 14, 2019 (this “Amendment”), among Column Financial, Inc. (“Column”), as Administrative Agent on behalf of Buyers (in such capacity, the “Administrative Agent”), Credit Suisse AG, a company incorporated in Switzerland, acting through its Cayman Islands Branch (“CS Cayman” and a “Buyer”), Alpine Securitization LTD (“Alpine” and a “Buyer” and collectively with CS Cayman, the “Buyers”), InPoint CS Loan, LLC (the “Seller”) and InPoint Commercial Real Estate Income, Inc. (the “Guarantor”).

 

RECITALS

 

The Administrative Agent, the Buyers and the Seller are parties to that certain Master Repurchase Agreement, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Existing Repurchase Agreement”; as amended by this Amendment, the “Repurchase Agreement”). The Administrative Agent, the Buyers, the Seller and the Guarantor are parties to that certain Pricing Side Letter, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Side Letter”). The Guarantor is party to that certain Guaranty, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Guaranty”), made by the Guarantor in favor of the Administrative Agent for the benefit of Buyers. Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Existing Repurchase Agreement, the Pricing Side Letter and the Guaranty, as applicable.

 

The Administrative Agent, the Buyers, the Seller and the Guarantor have agreed, subject to the terms and conditions of this Amendment, that the Existing Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement. As a condition precedent to amending the Existing Repurchase Agreement, the Administrative Agent has required the Guarantor to ratify and affirm the Guaranty on the date hereof.

 

Accordingly, the Administrative Agent, the Buyers, the Seller and the Guarantor hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows:

 

SECTION 1. Definitions. Section 2 of the Existing Repurchase Agreement is hereby amended by:

 

1.1(i) deleting the “or” at the end of clause (B) in the definition of “Change in Control”, (ii) deleting the “.” at the end of clause (C) in the definition of “Change in Control” and replacing it with “; or” and (iii) adding the following new clause (D) at the end thereof:

 

(D) a Division/Series Transaction has occurred with respect to Seller, Guarantor or any of its Subsidiaries adding the following new definition in its proper alphabetical order:

 

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“Division/Series Transaction” shall mean, with respect to any Person that is a limited liability company organized under the laws of the State of Delaware, that any such Person (a) divides into two or more Persons (whether or not the original Person or Subsidiary thereof survives such division) or (b) creates, or reorganizes into, one or more series, in each case, as contemplated under the laws of the State of Delaware, including without limitation Section 18-217 of the Delaware Limited Liability Company Act, 6 Del. C. §§ 18-101 et seq., as amended.

 

SECTION 2. Conditions Precedent. This Amendment shall become effective as of the date hereof (the “Amendment Effective Date”), subject to the satisfaction of the following conditions precedent:

 

2.1 Delivered Documents. On the Amendment Effective Date, the Administrative Agent shall have received the following documents, each of which shall be satisfactory to the Administrative Agent in form and substance:

 

(a)this Amendment, executed and delivered by duly authorized officers of the Administrative Agent, the Buyers, the Seller and the Guarantor; and

 

(b)Amendment No. 7 to Pricing Side Letter, executed and delivered by duly authorized officers of the Administrative Agent, the Buyers, the Seller and the Guarantor.

 

SECTION 3. Representations and Warranties. Seller hereby represents and warrants to the Administrative Agent and the Buyers that it is in compliance with all the terms and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms the representations and warranties contained in Section 13 of the Repurchase Agreement.

 

SECTION 4. Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms. From and after the date hereof any reference in the Program Agreements to the Repurchase Agreement shall be deemed a reference to the Repurchase Agreement, as amended hereby.

 

SECTION 5. Counterparts. This Amendment may be executed in one or more counterparts, each of which shall be deemed to be an original, and all such counterparts shall together constitute one and the same instrument. Delivery by electronic mail of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart of this Amendment.

 

SECTION 6. Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement.

 

SECTION 7. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE CHOICE OF LAW PROVISIONS THEREOF (OTHER THAN SECTION 5-1401 OF THE NEW YORK 

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GENERAL OBLIGATIONS LAW).

 

SECTION 8. Reaffirmation of Guaranty. The Guarantor hereby ratifies and affirms all of the terms, covenants, conditions and obligations of the Guaranty and acknowledges and agrees that the term “Obligations” as used in the Guaranty shall apply to all of the Obligations of the Seller to the Administrative Agent and the Buyers under the Repurchase Agreement and related Program Agreements, as amended hereby.

 

[SIGNATURE PAGE FOLLOWS]

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COLUMN FINANCIAL, INC., as Administrative Agent

By:/s/ Jack Hempling

Name:Jack Hempling

Title:Authorized Signatory

CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH, as a Buyer

By:/s/ Jack Hempling

Name:Jack Hempling

Title:Authorized Signatory

By:/s/ Enrique Flores

Name:Enrique Flores

Title:Authorized Signatory

 

ALPINE SECURITIZATION LTD, as a Buyer, by CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH as Attorney-in-Fact

By:/s/ Marcus DiBrito

Name:Marcus DiBrito

Title:Vice President

By:/s/ Enrique Flores

Name:Enrique Flores

Title:Vice President

 

INPOINT CS LOAN, LLC, as Seller

By:s/ Jason Fruchtman

Name:Jason Fruchtman

Title:Authorized Signatory

 

 

INPOINT COMMERCIAL REAL ESTATE INCOME, INC., as Guarantor

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By:s/ Jason Fruchtman

Name:Jason Fruchtman

Title:Authorized Signatory

 

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EXECUTION

 

AMENDMENT NO. 3 TO MASTER REPURCHASE AGREEMENT

 

Amendment No. 3 to Master Repurchase Agreement, dated as of July 15, 2021 (this “Amendment”), among Column Financial, Inc. (“Column”), as Administrative Agent on behalf of Buyers (in such capacity, the “Administrative Agent”), Credit Suisse AG, a company incorporated in Switzerland, acting through its Cayman Islands Branch (“CS Cayman” and a “Buyer”), Alpine Securitization LTD (“Alpine” and a “Buyer” and collectively with CS Cayman, the “Buyers”), InPoint CS Loan, LLC (the “Seller”) and InPoint Commercial Real Estate Income, Inc. (the “Guarantor”).

 

RECITALS

 

The Administrative Agent, the Buyers and the Seller are parties to that certain Master Repurchase Agreement, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Existing Repurchase Agreement”; as amended by this Amendment, the “Repurchase Agreement”). The Administrative Agent, the Buyers, the Seller and the Guarantor are parties to that certain Pricing Side Letter, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Side Letter”). The Guarantor is party to that certain Guaranty, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Guaranty”), made by the Guarantor in favor of the Administrative Agent for the benefit of Buyers. Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Existing Repurchase Agreement, the Pricing Side Letter and the Guaranty, as applicable.

 

The Administrative Agent, the Buyers, the Seller and the Guarantor have agreed, subject to the terms and conditions of this Amendment, that the Existing Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement. As a condition precedent to amending the Existing Repurchase Agreement, the Administrative Agent has required the Guarantor to ratify and affirm the Guaranty on the date hereof.

 

Accordingly, the Administrative Agent, the Buyers, the Seller and the Guarantor hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows:

 

SECTION 1. Margin Maintenance. Section 6 of the Existing Repurchase Agreement is hereby amended by deleting paragraph (b) in its entirety and replacing it with the following:

 

(b)  Notice delivered pursuant to Section 6(a) may be given by any written means. Any notice given before 10:00 a.m. (New York City time) on a Business Day shall be met, and the related Margin Call satisfied, no later than 5:00 p.m. (New York City time) on the following Business Day; notice given after 10:00 a.m. (New York City time) on a Business Day shall be met, and the related Margin Call satisfied, no later than 5:00 p.m. (New York City time) on the second (2nd) Business Day thereafter (the foregoing time requirements for satisfaction of a 

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Margin Call are referred to as the “Margin Deadlines”). The failure of Administrative Agent, on any one or more occasions, to exercise its rights hereunder, shall not change or alter the terms and conditions to which this Agreement is subject or limit the right of Administrative Agent to do so at a later date. Seller and Administrative Agent each agree that a failure or delay by Administrative Agent to exercise its rights hereunder shall not limit or waive Administrative Agent’s or Buyers’ rights under this Agreement or otherwise existing by law or in any way create additional rights for Seller.

 

SECTION 2. Conditions Precedent. This Amendment shall become effective as of the date hereof (the “Amendment Effective Date”), subject to the satisfaction of the following conditions precedent:

 

2.1 Delivered Documents. On the Amendment Effective Date, the Administrative Agent shall have received the following documents, each of which shall be satisfactory to the Administrative Agent in form and substance:

 

(a)this Amendment, executed and delivered by duly authorized officers of the Administrative Agent, the Buyers, the Seller and the Guarantor; and

 

SECTION 3. Representations and Warranties. Seller hereby represents and warrants to the Administrative Agent and the Buyers that it is in compliance with all the terms and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms the representations and warranties contained in Section 13 of the Repurchase Agreement.

 

SECTION 4. Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms. From and after the date hereof any reference in the Program Agreements to the Repurchase Agreement shall be deemed a reference to the Repurchase Agreement, as amended hereby.

 

SECTION 5. Counterparts. This Amendment may be executed by each of the parties hereto on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart of this Amendment. The parties agree that this Amendment, any addendum or amendment hereto or any other document necessary for the consummation of the transactions contemplated by this Amendment may be accepted, executed or agreed to through the use of an electronic signature in accordance with the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001 et seq, Official Text of the Uniform Electronic Transactions Act as approved by the National Conference of Commissioners on Uniform State Laws at its Annual Conference on July 29, 1999 and any applicable state law. Any document accepted, executed or agreed to in conformity with such laws will be binding on all parties hereto to the same extent as if it were physically executed and each party hereby consents to the use of any secure third party electronic signature capture service with appropriate document access tracking, electronic signature tracking and document retention as may be approved by Administrative Agent in its sole discretion.

 

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SECTION 6. Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement.

 

SECTION 7. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE CHOICE OF LAW PROVISIONS THEREOF (OTHER THAN SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW).

 

SECTION 8. Reaffirmation of Guaranty. The Guarantor hereby ratifies and affirms all of the terms, covenants, conditions and obligations of the Guaranty and acknowledges and agrees that the term “Obligations” as used in the Guaranty shall apply to all of the Obligations of the Seller to the Administrative Agent and the Buyers under the Repurchase Agreement and related Program Agreements, as amended hereby.

 

[SIGNATURE PAGE FOLLOWS]

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COLUMN FINANCIAL, INC., as Administrative Agent

By:/s/ Jack Hempling

Name:Jack Hempling

Title:Authorized Signatory

CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH, as a Buyer

By:/s/ Jack Hempling

Name:Jack Hempling

Title:Authorized Signatory

By:/s/ Enrique Flores

Name:Enrique Flores

Title:Authorized Signatory

 

ALPINE SECURITIZATION LTD, as a Buyer, by CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH as Attorney-in-Fact

By:/s/ Marcus DiBrito

Name:Marcus DiBrito

Title:Vice President

By:/s/ Enrique Flores

Name:Enrique Flores

Title:Vice President

 

INPOINT CS LOAN, LLC, as Seller

By:s/ Jason Fruchtman

Name:Jason Fruchtman

Title:Authorized Signatory

 

 

INPOINT COMMERCIAL REAL ESTATE INCOME, INC., as Guarantor

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By:s/ Jason Fruchtman

Name:Jason Fruchtman

Title:Authorized Signatory

 

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EXECUTION

 

AMENDMENT NO. 4 TO MASTER REPURCHASE AGREEMENT

 

Amendment No. 4 to Master Repurchase Agreement, dated as of March 25, 2022 (this “Amendment”), among Column Financial, Inc. (“Column”), as Administrative Agent on behalf of Buyers (in such capacity, the “Administrative Agent”), Credit Suisse AG, a company incorporated in Switzerland, acting through its Cayman Islands Branch (“CS Cayman” and a “Buyer”), Alpine Securitization LTD (“Alpine” and a “Buyer” and collectively with CS Cayman, the “Buyers”), InPoint CS Loan, LLC (the “Seller”) and InPoint Commercial Real Estate Income, Inc. (the “Guarantor”).

 

RECITALS

 

The Administrative Agent, the Buyers and the Seller are parties to that certain Master Repurchase Agreement, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Existing Repurchase Agreement”; as amended by this Amendment, the “Repurchase Agreement”). The Administrative Agent, the Buyers, the Seller and the Guarantor are parties to that certain Pricing Side Letter, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Side Letter”). The Guarantor is party to that certain Guaranty, dated as of February 15, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Guaranty”), made by the Guarantor in favor of the Administrative Agent for the benefit of Buyers. Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Existing Repurchase Agreement, the Pricing Side Letter and the Guaranty, as applicable.

 

The Administrative Agent, the Buyers, the Seller and the Guarantor have agreed, subject to the terms and conditions of this Amendment, that the Existing Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement. As a condition precedent to amending the Existing Repurchase Agreement, the Administrative Agent has required the Guarantor to ratify and affirm the Guaranty on the date hereof.

 

Accordingly, the Administrative Agent, the Buyers, the Seller and the Guarantor hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows:

 

SECTION 1. Transaction Requests and Confirmations. With respect to Transactions subject to a Transaction Request and Confirmation that is dated prior to the Amendment Effective Date, Administrative Agent, Buyers and Seller hereby agree that any and all references to “LIBOR” shall be deleted in their entirety and replaced with “Reference Rate”. For the avoidance of doubt, any “index floor” referenced in such Transaction Request and Confirmation shall continue to be in force and effect.

 

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SECTION 2. Definitions. Section 2 of the Existing Repurchase Agreement is hereby amended by:adding the following definitions in their proper alphabetical order:

 

“Reference Rate” means Term SOFR, or a Successor Rate pursuant to Section 5(c) of this Agreement.

 

“SOFR” means a rate per annum equal to the secured overnight financing rate published by the SOFR Administrator on the SOFR Administrator’s Website.

 

“SOFR Administrator” means the Federal Reserve Bank of New York (or any successor administrator of the secured overnight financing rate).

 

“SOFR Administrator’s Website” means the SOFR Administrator’s website, currently at http://www.newyorkfed.org, or any successor source for the secured overnight financing rate identified as such by the SOFR Administrator from time to time.

 

“Successor Rate” has the meaning specified in Section 5(c) hereof.

 

“Successor Rate Conforming Changes” means with respect to any proposed Successor Rate, any technical, administrative or operational change (including any change to the timing and frequency of determining rates and making payments of interest, timing of borrowing requests or prepayment, conversion or continuation notices, length of lookback periods, the applicability of breakage provisions, and other technical, administrative or operational matters) that the Administrative Agent decides, in its sole discretion, may be appropriate to reflect the adoption and implementation of such Successor Rate and to permit the administration thereof by the Administrative Agent in a manner substantially consistent with market practice (or, if the Administrative Agent decides that adoption of any portion of such market practice is not administratively feasible or if the Administrative Agent determines that no market practice for the administration of such Successor Rate exists, in such other manner of administration as the Administrative Agent decides, in its sole discretion, is reasonably necessary in connection with the administration of this Agreement or any other Program Agreement).

 

“Term SOFR” means the forward-looking term rate based on SOFR as published by the Term SOFR Administrator for a one-month period on the Term SOFR Determination Day as such rate is published by the Term SOFR Administrator; provided that, if the Administrative Agent determines that any such lookback or other conventions for this rate selected is not administratively, operationally, or technically feasible for the Administrative Agent, then the Administrative Agent may establish another convention in its sole discretion.

 

“Term SOFR Administrator” means CME Group Benchmark Administration Limited as administrator of the forward-looking term SOFR (or a successor administrator).

 

“Term SOFR Determination Day” means the day that is two (2) U.S. Government Securities Business Days prior to the first day of such Pricing Period, as such rate is published by the Term SOFR Administrator.

 

“U.S. Government Securities Business Day” means any day except for (i) a Saturday, (ii) a Sunday and (iii) a day on which the Securities Industry and Financial Markets

 

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Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in United States government securities.

 

	
 
	
2.1
	
deleting the definition of “LIBOR” and any and all references thereto.

 

SECTION 3. Price Differential. Section 5 of the Existing Repurchase Agreement is hereby amended by:

 

	
 
	
3.1
	
deleting paragraph (c) in its entirety and replacing it with the following:

 

(c)If prior to any Pricing Period, Administrative Agent determines in its sole discretion that, by reason of circumstances affecting the relevant market, (i) adequate and reasonable means do not exist for ascertaining the Reference Rate; (ii) the Reference Rate is no longer in existence; (iii) continued implementation of the Reference Rate is no longer operationally, administratively or technically feasible or no significant market practice for the administration of the Reference Rate exists, (iv) the Reference Rate will not adequately and fairly reflect the cost to Administrative Agent and Buyers of purchasing or maintaining Transactions or (v) the administrator of the Reference Rate or a Governmental Authority having jurisdiction over Administrative Agent has made a public statement identifying a specific date after which the Reference Rate shall no longer be made available or used for determining the interest rate of loans, Administrative Agent may give prompt notice thereof to Seller, whereupon the rate for such Pricing Period that will replace the Reference Rate for such Pricing Period, and for all subsequent Pricing Periods until such notice has been withdrawn by Administrative Agent, shall be the greater of (x) an alternative benchmark rate (including any mathematical or other adjustments to the benchmark rate (if any) incorporated therein) and (y) zero, together with any proposed Successor Rate Conforming Changes, as determined by Administrative Agent in its sole discretion (any such rate, a “Successor Rate”).

 

	
 
	
3.2
	
adding the following new paragraph at the end thereof:

 

(d)To the extent Administrative Agent implements a Successor Rate and Successor Rate Conforming Changes it will promptly notify Seller of the effectiveness of any such changes. Any determination of a Successor Rate and the adoption of Successor Rate Conforming Changes shall be made by Buyer in a manner substantially consistent with market practice with respect to similarly situated counterparties with substantially similar assets in similar facilities and any such Successor Rate Conforming Changes will become effective without any further action or consent of Seller to this Agreement or the other Program Agreements.

 

SECTION 4. Conditions Precedent. Section 10(b) of the Existing Repurchase Agreement is hereby amended by deleting paragraph (6) in its entirety and replacing it with the following:

 

(6) Requirements of Law. Neither Administrative Agent nor Buyers shall have determined that any introduction of or a change in any Requirement of Law or in the interpretation or administration of any Requirement of Law applicable to Administrative Agent or any Buyer has made it unlawful, and no Governmental Authority shall have asserted that it is unlawful, for Administrative Agent or any Buyer to enter into Transactions with a Pricing Rate

 

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based on the Reference Rate or any alternative rate chosen by Administrative Agent pursuant to Section 5(c) hereof.

 

SECTION 5. Form of Closing Data Tape. Exhibit B to the Existing Repurchase Agreement is hereby amended by deleting such exhibit in its entirety and replacing it with Annex A hereto.

 

SECTION 6. Conditions Precedent. This Amendment shall become effective as of the date hereof (the “Amendment Effective Date”), subject to the satisfaction of the following conditions precedent:

 

6.1 Delivered Documents. On the Amendment Effective Date, the Administrative Agent shall have received the following documents, each of which shall be satisfactory to the Administrative Agent in form and substance:

 

(a)this Amendment, executed and delivered by duly authorized officers of the Administrative Agent, the Buyers, the Seller and the Guarantor; and

 

(b)that certain Amendment No. 14 to the Pricing Side Letter, executed and delivered by duly authorized officers of the Administrative Agent, the Buyers, the Seller and the Guarantor.

 

SECTION 7. Representations and Warranties. Seller hereby represents and warrants to the Administrative Agent and the Buyers that it is in compliance with all the terms and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms the representations and warranties contained in Section 13 of the Repurchase Agreement.

 

SECTION 8. Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms. From and after the date hereof any reference in the Program Agreements to the Repurchase Agreement shall be deemed a reference to the Repurchase Agreement, as amended hereby.

 

SECTION 9. Counterparts. This Amendment may be executed by each of the parties hereto on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart of this Amendment. The parties agree that this Amendment, any addendum or amendment hereto or any other document necessary for the consummation of the transactions contemplated by this Amendment may be accepted, executed or agreed to through the use of an electronic signature in accordance with the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001 et seq, Official Text of the Uniform Electronic Transactions Act as approved by the National Conference of Commissioners on Uniform State Laws at its Annual Conference on July 29, 1999 and any applicable state law.  Any document accepted, executed or agreed to in

 

4

LEGAL02/41456375v3
 

 

 

conformity with such laws will be binding on all parties hereto to the same extent as if it were physically executed and each party hereby consents to the use of any secure third party electronic signature capture service with appropriate document access tracking, electronic signature tracking and document retention as may be approved by Administrative Agent in its sole discretion.

 

SECTION 10. Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement.

 

SECTION 11.GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE CHOICE OF LAW PROVISIONS THEREOF (OTHER THAN SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW).

 

SECTION 12. Reaffirmation of Guaranty. The Guarantor hereby ratifies and affirms all of the terms, covenants, conditions and obligations of the Guaranty and acknowledges and agrees that the term “Obligations” as used in the Guaranty shall apply to all of the Obligations of the Seller to the Administrative Agent and the Buyers under the Repurchase Agreement and related Program Agreements, as amended hereby.

 

[SIGNATURE PAGE FOLLOWS]

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LEGAL02/41456375v3
 

 

 

COLUMN FINANCIAL, INC., as Administrative Agent

By:/s/ Jack Hempling

Name:Jack Hempling

Title:Authorized Signatory

CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH, as a Buyer

By:/s/ Jack Hempling

Name:Jack Hempling

Title:Authorized Signatory

By:/s/ Marcus DiBrito

Name:Marcus DiBrito

Title:Authorized Signatory

 

ALPINE SECURITIZATION LTD, as a Buyer, by CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH as Attorney-in-Fact

By:/s/ Marcus DiBrito

Name:Marcus DiBrito

Title:Vice President

By:/s/ Erin McCutcheon

Name:Erin McCutcheon

Title:Director

 

INPOINT CS LOAN, LLC, as Seller

By:s/ Jason Fruchtman

Name:Jason Fruchtman

Title:Authorized Signatory

 

 

6

LEGAL02/41456375v3
 

 

 

INPOINT COMMERCIAL REAL ESTATE INCOME, INC., as Guarantor

 

By:s/ Jason Fruchtman

Name:Jason Fruchtman

Title:Authorized Signatory

 

 

 

7

LEGAL02/41456375v3Exhibit 10.1

Employment Agreement

Party A:

 

Legal Representative:

	
     

    Party B:                                                                      
	 	Gender:                          	 	Highest Education:                                                                                   

	 	 	 
	Date of Birth:                                                            	 	ID Number:	 	 
	 	 	 	 	 

	Address:                                                                                             	 
	 	 
	Contact Number:                                                                                             	 
	 	 
	Starting work on:                                                                                            	 
	 	 
	Term of the Agreement:                                                                              	 

 

In accordance with the Labor Contract Law of the People’s
Republic of China[, Regulation of Shanghai Municipality on Labor Contract,] and relevant laws, regulations and rules,
Party A and Party B agree to enter into this Employment Agreement on the basis of equality, free will, fairness, justice, consensus through
consultation and good faith.

 

Article 1 Type and Term of the Agreement

 

The Employment Agreement shall be determined as set forth in Item             
below:

 

	(1)	A fixed-term agreement: From                      to                     , with a probationary period commencing on                     and ending on                     .

 

	(2)	An open-ended agreement: From                     , with a probationary period commencing on                      and ending on                     .

 

	(3)	A project-based agreement: From                      to the completion date of the project.]

 

Article 2 Job Description and Requirements

 

	(1)	According to the requirements of Party A, Party B shall work as             . The position of Party B may be changed reasonably and in good faith by Party A as needed and according to the performance evaluation results of Party B. Party B shall comply with Party A’s arrangements.

 

	(2)	The work assignments and requirements for Party B should comply with the publicized regulations and provisions formulated by Party A according to applicable law. Party B shall fulfill the his or her work duties assigned by Party A through accomplishing the required workload with prescribed quality on time.

 

Article 3 Working Hours and Holidays

 

	(1)	After mutual consultation of both Parties, the working hour system shall be determined as Item            of the following:

 

	 	1.	Party A implements a working system in which there are              working hours a day.

 

     

     

    

 

	 	 	The specific work schedule of Party A is as follows:

 

	 	 	9:00 to 17:30 with a break from 12:00 to 13:00, from Monday to Friday.

 

	 	 	Every Saturday and Sunday are off days.

 

	 	2.	Party A implements a working system in which employees work in shifts and work for eight (8) hours a day. Party B will be given two (2) off days per week.

 

	 	3.	Party B shall work as              and work flexible working hours, and the Parties shall follow flexible working hours according to applicable law.

 

	 	4.	Party B shall work as              and work according to a comprehensive working hour system, and the parties shall follow comprehensive working hours according to applicable law.]

 

	(2)	Party A shall strictly comply with the working hour requirements according to applicable law, ensuring that Party B has sufficient rest and his or her physical and mental health. Party B shall be given time off or overtime compensation if Party A extends the working hours due to the requirements of work.

 

	(3)	Party A shall arrange paid annual leaves for Party B according to applicable law.

 

Article 4 Working Safety and Conditions

 

	(1)	Party A shall notify Party B of the positions that may cause occupational diseases, and arrange working safety and health training for Party B to prevent work-related accidents and reduce occupational hazards.

 

	(2)	Party A shall provide Party B with safe and hygienic working conditions and necessary working protection measures according to applicable law. In the event that Party B engages in work with occupational hazards, Party A shall arrange periodic physical examination for Party B.

 

	(3)	Party B must strictly abide by the rules of safe operations. Party B may refuse to follow Party A’s instructions that violate the relevant work safety regulations and may cause personal injury.

 

	(4)	Party A shall provide protection for Party B in accordance with the relevant regulations in relation to the special protection of female employees and juvenile workers.

 

	(5)	If Party B suffers from illness or non-work-related injuries, Party A shall implement the relevant regulations in relation to medical treatment leave.

 

Article 5 Remuneration

 

Party A shall pay the remuneration in cash to Party B at least once
a month without unreasonable deduction or delay. Party A shall provide Party B with remuneration not less than the local minimum wage,
provided that Party B accomplishes the regular work within the legal working hours.

 

	(1)	The remuneration shall be paid to Party B on a monthly basis after deducting social insurance premium, housing provident fund, personal income tax and other expenses and the date of payment shall be the [10th] day of the month following a complete working month. In the event that the aforementioned date of payment is a public holiday, Party A shall pay in advance on the last working day before that date.

 

	(2)	Agreed by both Parties, the specific remuneration requirements of Party B are as follows:

 

Probation period            months,
term of agreement            years

 

Remuneration: annual salary:            (before
tax), including:            

 

Note: The salary of probation period is 90% of a regular
employee (monthly salary: RMB            ).

 

     

     

    

 

	 	1.	Party A has the right to change the position, duties and remuneration of Party B according to Party B’s performance assessment.

 

	 	2.	Party B’s bonus is based on Party A’s accomplishment of the performance objectives set by his or her superior, and must be given by Party A after the performance appraisal of Party B.

 

	 	3.	If the company encounters difficulties in operation, the monthly salary of Party B may be adjusted accordingly.

 

	 	4.	Party A may reasonably transfer Party B to another position (including mobilizing Party B to work in other provinces and cities due to the needs of project development) due to work needs, and Party B shall comply with that transfer decision. If Party B refuses to comply, Party A has the right to terminate this agreement unilaterally.

 

	(3)	The remuneration paid to Party B for overtime work shall be calculated based on the monthly salary as agreed by the Parties through consultation.

 

	(4)	While Party B leaves for personal affairs, Party B’s remuneration shall be reduced on the basis of his or her monthly salary.

 

	(5)	For sick leave, the relevant laws and local regulations shall be applicable.

 

	(6)	The remuneration for paid holidays shall be paid as part of the salary of Party B.]

 

Article 6 Social Insurance and Welfare Benefits

 

	(1)	Both Parties shall participate in the social insurance program according to law, and pay various social insurance premiums on time. As for the part of social insurance premium paid by the individual, Party A can withhold it from Party B’s salary.

 

	(2)	Party B has the right to inquire Party A about payment of social insurance premiums, and Party A shall provide assistance.

 

	(3)	If Party B suffers from work-related injuries, Party A shall be responsible to provide timely rescue, and, within the required time, apply to the relevant administrative department of work safety for work-related injury authentication and the assessment of labor ability for Party B. Party A shall also provide Party B with corresponding medical benefits for work-related injuries.

 

	(4)	The welfare benefits of Party B shall be provided according to applicable law and in line with Party A’s internal rules.

 

Article 7 Performance and Change of Employment Agreement

 

	(1)	Party A shall, in accordance with this agreement, provide Party B with appropriate workplace, labor conditions and position, and pay remuneration to Party B on time. Party B shall conscientiously perform labor duties and complete tasks under this agreement in person.

 

	(2)	If any of the following circumstances arises, either Party A or Party B may change this agreement:

 

	 	1.	changes of this agreement shall be without prejudice to the interests of the state, the collective and others, agreed by both Parties;

 

	 	2.	fundamental circumstances on which the Employment Agreement is based have significantly changed, and changes of this agreement are based on Party A’s consultation with Party B;

 

	 	3.	the Employment Agreement cannot be completely fulfilled due to force majeure;

 

	 	4.	laws and regulations on which the Employment Agreement is based have been amended; and

 

	 	5.	other circumstances as stipulated by laws and regulations.

 

     

     

    

 

Article 8 Dissolution and Termination of Employment Agreement

 

	(1)	Under any of the following circumstances, Party A may terminate this Employment Agreement:

 

	 	1.	Party B is proved ineligible for employment during the probation period;

 

	 	2.	Party B does not pass the physical examination;

 

	 	3.	Party B conducts a material violation of the labor discipline and the rules and regulations of Party A;

 

	 	4.	during the training period, Party B does not pass all the milestone training exams, or there are other circumstances indicating that Party B is not suitable to continue the training;

 

	 	5.	Party B commits serious dereliction of duty, jobbery and malpractice, causing significant damage to the interests of Party A;

 

	 	6.	Party B establishes labor relations with other employers during the term of this agreement, which has a serious impact on the completion of the work tasks assigned by Party A, and Party B refuses to make corrections upon the request of Party A;

 

	 	7.	Party B compels Party A to enter into or change the Employment Agreement against true will by means of fraud or coercion or when Party A is in duress;

 

	 	8.	Party B is under investigation for criminal responsibility according to applicable law.

 

	(2)	Under any of the following circumstances, Party A may terminate this agreement by giving a written notice to Party B three (3) days in advance during the probationary period, or thirty (30) days in advance after the probationary period expires:

 

	 	1.	Party B is ineligible for the original position or other position arranged by Party A after the medical period of sickness or non-work-related injuries;

 

	 	2.	Party B is not qualified for his or her position, and Party B is still not qualified after training or being transferred to another position;

 

	 	3.	Fundamental circumstances on which the Employment Agreement is based has undergone major changes, causing the original Employment Agreement unenforceable, and the Parties cannot reach an agreement on the change of the Employment Agreement through negotiation;

 

	(3)	Under any of the following circumstances, Party B may terminate this agreement by giving a written notice to Party A three (3) days in advance during the probationary period, or 30 days in advance after the probationary period expires:

 

	 	1.	Party A cannot not provide reasonable remuneration for Party B on time;

 

	 	2.	Party A fails to provide reasonable insurance benefits for Party B on time;

 

	 	3.	Party A cannot provide reasonable positions and training opportunities for Party B.

 

	(4)	Party A shall not terminate this agreement under any of the following circumstances:

 

1.    Party B is engaged in
work with occupational hazards but does not receive an occupational physical examination before leaving the post, or Party B is a suspected
occupational disease patient pending diagnosis or in the medical observation period;

 

	 	1.	Party B suffers from occupational diseases or work-related injuries while working for Party A and is confirmed to have lost or partially lost the ability to work;

 

	 	2.	Party B suffers from illness or non-work-related injuries within the prescribed medical period;

 

	 	3.	Party B (female) is in pregnancy, delivery or lactation;

 

	 	4.	Party B has been working for Party A for fifteen (15) consecutive years and is less than five (5) years from the statutory retirement age; and

 

	 	5.	other circumstances as stipulated by laws and administrative regulations.]

 

     

     

    

 

	(5)	Under any of the following circumstances, the agreement shall be terminated:

 

	 	1.	the Employment Agreement expires under the conditions stipulated in the Labor Contract Law;

 

	 	2.	Party B begins to enjoy basic endowment insurance benefits according to applicable law;

 

	 	3.	Party B dies or is declared dead or missing by court;

 

	 	4.	Party A is declared to be bankrupt according to applicable law;

 

	 	5.	Party A’s business license is revoked, Party A is ordered to be closed or canceled, or Party A decides to dissolve in advance; and

 

	 	6.	other circumstances as stipulated by laws and administrative regulations.

 

Article 9 Special Articles Agreed by Both Parties

 

	(1)	Before signing the Employment Agreement, Party A has the right to know the basic conditions directly related to the Employment Agreement of Party B, including but not limited to the education background, curriculum vitae, qualifications or certificate of employment and whether the previous labor relationship has been dissolved or terminated, etc. Party B shall truthfully state the aforementioned basic information. If Party B is found by Party A or be sued by the previous employer that it has deliberately misreported or concealed the information and defrauded Party A to sign an Employment Agreement, Party B shall be deemed to commit fraud and cause serious misunderstanding of Party A. Party A has the right to apply for the annulment of this agreement according to applicable law, and the losses of Party A shall be borne by Party B in full.

 

	(2)	During the term of this agreement, all patents, copyrights and other intellectual property rights arising from the work achievements of Party B in the position appointed by Party A, the materials and technical conditions mainly provided by Party A, shall be owned by Party A, and Party B has no right to use them for commercial purpose.

 

	(3)	Party B shall not disclose any confidential information and trade secrets of Party A and its affiliates it obtained during the agreement period to any third party (including employees of Party A who are not involved in the related work). Party B’s violation of duty of confidentiality is considered a serious breach of this agreement and a sufficient reason for dismissal. Such duty of confidentiality is still binding on Party B at any time after the termination or expiration of this agreement. Party A shall, in advance, negotiate with Party B to stipulate the matters of keeping trade secrets and sign an confidential agreement.

 

	(4)	In the course of the performance of this agreement, if Party A changes its name, legal representative or principal head, investor, etc., the performance of this agreement shall not be affected; if Party A merges with another entity, splits off or similar circumstances occur to it, this agreement shall continue to be valid and performed by the successor entity.

 

	(5)	Certificates obtained by the employees after the expiration of the training period shall be owned by Party A, and they shall be returned to Party A before Party B leaves Party A.]

 

Article 10 Responsibility and Economic Compensation for Breach,
Dissolution and Termination of Employment Agreement

 

	(1)	During the term of this agreement, if either Party violates this agreement and causes economic losses to the other party, it shall compensate the other Party according to the result and liability.

 

	(2)	During the term of this agreement, if Party B receives Party A’s training and dissolves the agreement within the service period due to personal reasons, Party B shall provide Party A with economic compensation according to Party A’s relevant regulations.

 

     

     

    

 

	 	1.	Party B shall compensate 100% of the training costs if he or she leaves the company during the training period or within one year; if Party B has worked for more than one year but less than two years, compensation of 50% of the training costs shall be paid; if it has worked for more than two years but less than three years, it shall be compensated 20% of the training costs; the loss caused to Party A shall be calculated separately by Party A according to the actual situation.

 

	 	2.	Party A has the right to deduct the economic compensation from the wages, subsidies and benefits of Party B.

 

	(3)	If any violation, dissolution and termination of Employment Agreement involves economic compensation, it shall be handled in accordance with relevant provisions of PRC and Shanghai].

 

Article 11 Handling of Labor Disputes

 

	(1)	A dispute between Party A and Party B arising from the implementation of this agreement may be settled through negotiation of Party A and Party B. If no settlement can be reached through negotiation by the Parties, the dispute may be submitted to the internal labor dispute mediation committee of the employer for mediation. [If the dispute still cannot be mediated, the Parties may apply to the Labor Dispute Arbitration Committee for arbitration. The Parties may also apply directly to the Labor Dispute Arbitration Committee for arbitration. The party requesting the arbitration shall submit a written application to the Labor Dispute Arbitration Committee within 60 days from the date of labor dispute. If either party is dissatisfied with the arbitral decision, it may commence a lawsuit to the court within fifteen (15) days from the date of receipt of the arbitral decision.]

 

	(2)	If Party A violates labor laws, regulations and rules and causes damages to the lawful rights and interests of Party B, Party B has the right to report the violations to the administrative department of labor security or relevant departments.

 

Article 12 Others

 

	(1)	During the term of this agreement, Part B shall notify Party A timely of changes on household address, current residential address, contact information, etc.

 

	(2)	Matters not covered in this agreement shall be handled in accordance with relevant provisions of the state, or through equal consultation of the Parties.

 

	(3)	This agreement shall not be obliterated.

 

	(4)	If this agreement needs to be made in both Chinese and English, in the event of any inconsistency, the Chinese version shall prevail.

 

	(5)	The Employment Agreement shall be renewed or resigned one month before the expiration of the agreement as agreed by both Parties.

 

	(6)	This agreement is made in duplicate, each party holding one original.

 

	Party A:	 	Party B:
	 	 
	Representative: 	 	 	Name: 	 
	 	 	 
	[DD/MM/YY]	 	[DD/MM/YY]

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00343-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00343-of-00352.parquet"}]]