Document:

exhibit10-1.htm

  

Execution Copy

  

Loan Agreement

 

Dated as of October ___, 2012

 

	
By and between:

	
Hotel Outsource Management International, Inc., a Delaware corporation whose address for the purposes of notices sent under this Agreement shall be One Embarcadero Center, Suite 500, San Francisco CA 94111, Fax: +1-415-433 5994, e-mail: jackronnel@my-homi.com; with a copy to Reif & Reif Law Offices, 72/2 Gibstein Street, Rishon LeZion 75313, Israel, Fax: +972-3-7444479, e-mail: Mail@ReifLaw.com (the “Borrower”);

 

	
And:

	
TOMWOOD LIMITED, a BVI company with a registered office at Vanterpool Plaza, 2nd floor, Wickhams Cay I, Road Town, Tortola, British Virgin Islands, and whose correspondence address for the purposes of this Agreement shall be at 8, rue Eynard, 1205, Geneva, Switzerland, represented by Isaac Elbaz, email: ielbaz@bluewin.ch (“Lender”);

 

	
Whereas:

	
Borrower requires immediate funds, which, in the current economic climate, it has not been able to obtain in a timely manner from banking institutions, as medium term financing until its business becomes cash-flow positive; and

 

	
Whereas:

	
Borrower has requested that Lender, which is the majority shareholder of Borrower, assist Borrower by agreeing to loan such funds to Borrower in the amount and under the terms set forth in this Agreement below; and

 

	
Whereas:

	
Lender is willing to make a loan to Borrower, all subject to and in accordance with the terms of this Agreement;

 

 

Therefore, the parties have made condition and agreed as follows:

 

	
1.  

	
The Loan

 

 

	
1.1  

	
Upon the terms and conditions set forth in this Agreement, Lender agrees to loan to Borrower the principal amount of USD 200,000 (two hundred thousand USD) (the “Loan”).

 

	
1.2  

	
The Loan will be made available to Borrower by means of one or more bank transfers to the account of Borrower’s subsidiary, HOMI Israel Ltd, account No. 640600/48 at Bank Leumi, branch No. 809 in Tel-Aviv, Israel, or to such other account as Borrower may specify, as follows:

 

	
a.  

	
USD 100,000 was wired to Borrower on October 8, 2012; and

 

	
b.  

	
USD 100,000 will be wired no later than October 31, 2012 (each, in respect of the installment made on such date, the “Loan Date”).

 

	
2.  

	
Interest

 

 

Interest will accrue on the entire outstanding balance of the Loan, commencing as of the Loan Date, at the rate of 8% per annum (the “Interest”).

 

	
3.  

	
Repayment

 

 

	
3.1  

	
Borrower shall repay the entire Loan, with all accrued Interest in 16 (sixteen) consecutive, quarterly payments, commencing as of January 1, 2013 and thereafter on the first day of each calendar quarter, ending with the final payment on October 1, 2016.

 

	
3.2  

	
Notwithstanding the foregoing, as of the Loan Date, there will be a two year grace period prior to commencement of repayment of the principal of the Loan. Accordingly, for each of the first eight quarterly repayments, the repayment will comprise of accrued Interest, without principal. Accordingly, the principal of the Loan will be repaid in eight equal installments over the subsequent eight quarters, together with accrued Interest, commencing January 1, 2015.

 

 

2

 

Loan Agreement

HOMI – Tomwood limited

Execution Copy

 

 

	
4.  

	
Conversion

 

 

	
4.1  

	
Borrower intends to initiate the procedure for a rights offering, by filing a registration statement with the SEC (“Rights Offering”).

 

	
4.2  

	
Notwithstanding Lender’s declaration that, as at the date hereof, it would prefer for the Loan to be repaid in cash, Lender nevertheless agrees that Borrower may elect, within 30 days of a Rights Offering registration statement becoming effective, to effect repayment of any part, or all, of the Loan and/or accrued Interest, by means of the issue to the Lender of shares of Borrower’s common stock. The purchase price of each share so issued shall be deemed to be the same price per share as in the Rights Offering (the “Price Per Share”), such that the outstanding balance of the Loan plus accrued Interest shall be reduced, at the time of issue of such shares, by the quantity of shares so issued multiplied by the Price Per Share.

 

	
4.3  

	
Conversion will be by means of written notice by Borrower to Lender, stating the amount of outstanding Loan and accrued Interest which is being converted. Promptly, after issuing a conversion notice, Borrower shall issue to Lender, or to Lender’s order, the applicable quantity of shares of Borrower’s common stock.

 

	
4.4  

	
Any and all amounts of the outstanding Loan and accrued Interest which are so converted by Borrower will be deemed repaid by Borrower upon the issue to Lender, or to Lender’s order, of the applicable quantity of shares of Borrower’s common stock.

 

	
5.  

	
Late Payment

 

 

Without derogating from any statutory remedies and/or other remedies available under the terms of this Agreement, any sums not paid by Borrower at the appointed time under this Agreement shall be subject to interest at the highest rate of interest then charged by Bank Leumi of Israel in respect of Dollar sums overdrawn beyond an agreed credit facility, such interest to accrue from the date payment was originally due until the date of actual payment; this interest rate shall initially be determined on the date payment was originally due, and thereafter monthly until the date of actual payment. Nothing in this Section ‎5 may be construed in any way as derogating from Borrower’s undertaking and obligation to repay the Loan and pay the Interest as set forth above. Arrears interest accruing pursuant to the terms of this Section ‎5 shall, for all intents and purposes, be deemed part of the Interest, as defined herein.

 

	
6.  

	
Specified Purpose of Loan

 

 

	
6.1  

	
The Parties hereby confirm and agree that Borrower requested the Loan for the sole purpose of using all of said Loan to finance its activity in the ordinary course of business, including making financing available to one or more of its subsidiaries, to finance their activity in the ordinary course of business (the “Specified Purpose”).

 

	
6.2  

	
Borrower hereby undertakes to use the Loan solely for the Specified Purpose and not to use any part of the Loan for any purpose other than the Specified Purpose.

 

	
6.3  

	
Borrower hereby recognizes and acknowledges that Lender’s consent to make the Loan to Borrower in accordance with the terms hereof is inter alia subject to and in reliance upon Borrower’s undertaking as set forth in Section ‎6.2 above, which is a fundamental condition of this Agreement.

 

	
7.  

	
Borrower’s General Covenants

 

 

	
7.1  

	
Borrower shall keep proper records and books of account in accordance with generally accepted accounting principles consistently applied, and shall maintain, preserve and keep all of its properties and assets in good working order and condition, subject to ordinary wear and tear.

 

	
7.2  

	
Borrower shall conduct its affairs in such manner as is appropriate for a public company whose shares are traded on the New York OTCQB, and in accordance with all laws and regulations by which it is bound.

 

 

3

Loan Agreement

HOMI – Tomwood limited

Execution Copy

 

 

	
7.3  

	
Other than in the ordinary course of business or otherwise as agreed to in writing by the Lender, on a case by case basis, Borrower shall not create, incur, or assume any indebtedness, nor shall it create incur, assume or suffer any mortgage, pledge, lien, security interest, charge or encumbrance of any kind or nature in or upon any of its property or assets, whether now owned or hereafter acquired, nor shall it sell, lease, assign, transfer or otherwise dispose of any of its assets, including its accounts receivable.

 

	
8.  

	
Representations and Warranties

 

 

Borrower hereby represents and warrants to Lender as follows:

 

	
8.1  

	
that it is duly organized and existing under the laws of the jurisdiction in which it was incorporated, with the requisite corporate or other power to own and operate its properties and assets, and to carry on its business as presently conducted and to execute and perform its obligations under this Agreement;

 

	
8.2  

	
that this Agreement is valid and binding upon it and it is bound by it and obliged to act in accordance with its terms; and that the execution and performance by it of this Agreement, and compliance therewith, and the consummation of the transactions contemplated by this Agreement will not result in any violation of and will not conflict with, or result in a breach of any of the terms of, or constitute a default under, any document, other obligation, law, regulation or order to which it is or will be party or by which it is or will be bound;

 

	
8.3  

	
that all actions on its part and on the part of its directors, required for the authorization, execution, and performance by it, of this Agreement, and the consummation of all the transactions contemplated herein, have been obtained, or that they will be obtained within 30 days of the date hereof and until such time as they are obtained no use will be made of the Loan, which will, until such time, be deemed held in trust for Lender by Borrower;

 

	
8.4  

	
that this Agreement and the entire contents thereof do not require that any notice be made to any authorities, other than notice which has already been made by Borrower or which will be made by Borrower in a timely manner (such as a Form 8-K), in accordance with all laws and regulations by which Borrower is bound, in accordance with directions which Borrower will receive from its US Legal Counsel.

 

	
9.  

	
Events of Default

 

 

The occurrence and continuation of any of the following events shall be considered an Event of Default upon the occurrence of which the entire unpaid balance of the Loan and Interest, and all reasonable costs of collection, including reasonable attorney fees and expenses, shall become immediately due and payable:

 

	
9.1  

	
Borrower shall fail to make any payment which it is obliged to make under the terms of this Agreement and such failure is not fully remedied within thirty (30) days after the occurrence thereof;

 

	
9.2  

	
for the avoidance of doubt it is hereby stipulated and emphasized that it is the fundamental obligation and undertaking of Borrower to repay the Loan and pay the Interest, in accordance with the schedule set forth herein, and that failure by Borrower to repay the Loan and pay the Interest in such manner shall be considered an Event of Default, regardless of the reason for such failure, and without Lender being required to deliver any kind of notice to Borrower;

 

	
9.3  

	
Borrower shall default in the performance of any material covenant or obligation contained herein or in any other agreement, debenture, pledge, promissory note or other instrument of indebtedness with Lender and such default is not remedied within thirty (30) days after the occurrence thereof;

 

	
9.4  

	
Borrower uses and/or attempts and/or permits use of the Loan, or any part thereof, for any purpose other than the Specified Purpose;

 

	
9.5  

	
any representation or warranty made by or on behalf of Borrower to Lender, howsoever in connection with the Loan and/or this Agreement, shall at any time prove to have been incorrect or misleading;

 

	
9.6  

	
any judgment materially affecting the ability of Borrower to repay the Loan and pay the Interest shall be entered against Borrower or any attachment, levy or execution against a substantial portion of its properties shall remain unpaid, or shall not be released, discharged, dismissed, suspended or stayed for a period of thirty (30) days or more after its entry, issue or levy, as the case may be;

 

 

4

Loan Agreement

HOMI – Tomwood limited

Execution Copy

 

 

	
9.7  

	
any proceedings seeking to declare Borrower bankrupt, or insolvent, or seeking liquidation, winding up, reorganization, arrangement with creditors, composition of debts or any other similar proceedings shall be initiated against Borrower, and such proceeding shall not be dismissed within thirty (30) days;

 

	
9.8  

	
any event shall occur materially affecting the ability of Borrower to repay the Loan and pay the Interest under the terms of this Agreement.

 

	
10.  

	
Miscellaneous

 

 

	
10.1  

	
In view of the fact that Lender is the majority shareholder in Borrower, Lender hereby agrees that, so long as it owns more than 1% of Borrower’s issued and outstanding share capital, it will not participate in any shareholder vote taken by Borrower in connection with this Agreement. This clause is in addition to, and without derogating from, the provisions of applicable law that may apply to this Agreement in connection with its being an agreement between a corporation and individuals who are shareholders and directors of that corporation.

 

	
10.2  

	
Lender shall be entitled, at any time and without requiring the consent of Borrower or any other individual, to assign all or any part of its rights under this Agreement, to any other entity. Borrower shall not be entitled to assign all or any part of its rights and/or obligations under this Agreement, without Lender’s advance written consent.

 

	
10.3  

	
No Amendment to this Agreement, or any part thereof, shall be valid or binding upon the Parties unless drawn up in writing and signed by both Parties.

 

	
10.4  

	
As used in this Agreement, the term “including”, and all derivations thereof, shall mean “including, without limitation”, unless expressly stipulated to the contrary. Where the context permits, use of the singular number includes the plural and vice versa and words denoting any gender shall include all genders. The Preamble, and any Appendices, Exhibits or Schedules to this Agreement, constitute an integral part hereof. Section headings are for convenience purposes only, and may not be used in the construction or interpretation of this Agreement.

 

	
10.5  

	
No failure or delay on the part of any party in exercising any right and/or remedy to which it may be entitled hereunder and/or by law shall operate as a waiver by that party of any right whatsoever. No waiver of any right under this Agreement shall be deemed as a waiver of any further or future right hereunder, whether or not such right is the same kind of right as was waived in a previous instance.

 

	
10.6  

	
In case any provision of the Agreement shall be declared invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby and shall continue in full force and effect.

 

	
10.7  

	
This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof and replaces any previous agreements between the parties, if at all, whether written or verbal, pertaining to any of the subject-matter hereof.

 

	
10.8  

	
This Agreement shall be governed by and construed in accordance with the laws of Israel, without regard to its rules of conflict of laws. The parties hereby agree and submit to the exclusive jurisdiction of the competent courts in the city of Tel-Aviv, with respect to any claim or dispute arising out of and/or in connection with this Agreement. For this purpose, Borrower hereby gives notice that an address for service of court papers in any action relating to this Agreement shall be c/o HOMI Israel Ltd., 1 Aba Even Street, Merkazim Bldg. A, Herzliya Pituach 46725, Israel.

 

	
10.9  

	
Notices sent by one party to the other under this Agreement will be sent by registered mail to the addresses specified herein, delivered by hand, or transmitted by fax and will be deemed to have reached their destination within 5 days of being deposited with the Post Office for dispatch as registered mail (10 days in the case of air mail), upon actual delivery when delivered by hand, and upon receipt of the recipient’s confirmation of receipt when sent by fax.

 

 

5

Loan Agreement

HOMI – Tomwood limited

Execution Copy

 

 

	
10.10  

	
This Agreement may be executed in any number of counterparts, in original or by facsimile, and each such counterpart hereof shall be deemed to be an original instrument, but all such counterparts together shall constitute one and the same agreement.

 

In witness whereof the parties have executed this

Loan Agreement on the date first above written:

 

 

 

SIGNED for and on behalf of                                                                                                )

Hotel Outsource Management International, Inc.                                                           )

                                           )

By: Daniel Cohen, Jacky Ronnel                                                                                            )

 

 

SIGNED for and on behalf of                                                                                                )

Tomwood Limited                                                                                                              )

                                            )

By:                                                                                                                                       )Exhibit101-AdditionalCreditExtensionAmendment

Exhibit 10.1

EXECUTION COPY 

ADDITIONAL CREDIT EXTENSION AMENDMENT
THIS ADDITIONAL CREDIT EXTENSION AMENDMENT, dated as of October 15, 2012 (this “Amendment”), by and among the lenders set forth on Schedule A (each a “Lender” and collectively the “Lenders”), VeriFone, Inc., a Delaware corporation (“Borrower”), VeriFone Intermediate Holdings, Inc., a Delaware corporation, and JPMorgan Chase Bank, N.A. (“Administrative Agent”), as Administrative Agent.
RECITALS:
WHEREAS, reference is hereby made to the Credit Agreement, dated as of December 28, 2011 (as it may be amended, restated, supplemented or otherwise modified from time to time, the “Credit Agreement”; the capitalized terms herein that are not otherwise defined being used herein as defined in the Credit Agreement), by and among the Borrower, Holdings, the lenders party thereto from time to time, JPMorgan Chase Bank, N.A., as Administrative Agent, and the other agents thereto; 
WHEREAS, pursuant to Section 2.15 of the Credit Agreement, Borrower may increase the amount of Revolving Commitments and borrow Incremental Term Loans by entering into one or more Additional Credit Extension Amendments with the lenders providing such Incremental Term Loans and the lenders providing the Incremental Revolving Commitment Increases, as applicable, in accordance with the terms and conditions of the Credit Agreement; and
WHEREAS, the Lenders party to this Amendment have indicated their willingness to provide the Incremental Term Loans and the Incremental Revolving Commitment Increases on the terms and subject to the conditions herein.
NOW, THEREFORE, in consideration of the premises and agreements, provisions and covenants herein contained, the parties hereto agree as follows:
Each Lender party hereto (in its capacity as a lender of Incremental Term Loans, a “New Term A Lender” and in its capacity as a lender providing an Incremental Revolving Commitments Increase, a “New Revolving Lender”) hereby agrees to commit to provide its respective Commitment as set forth on Schedule A, on the terms and subject to the conditions set forth below:
Each Lender (i) confirms that it has received a copy of the Credit Agreement and the other Loan Documents, and such other documents and information as it has deemed appropriate to make its own credit analysis and decision to enter into this Amendment and it is sophisticated with respect to decisions to make loans similar to those contemplated to be made hereunder and it is experienced in making loans of such type; (ii) agrees that it will, independently and without reliance upon Administrative Agent or any other Lender or Agent and based on such documents and information as it shall deem appropriate at the time, continue to make its own credit decisions in taking or not taking action under the Credit Agreement; (iii) appoints and authorizes Administrative Agent and Collateral Agent to take such actions, as applicable, as Agent on its behalf and to exercise such powers under the Credit Agreement and the other Loan Documents as are delegated to Administrative Agent or Collateral Agent, as applicable, by the terms thereof, together with such 

SC1:3306693.9

Exhibit 10.1

EXECUTION COPY 

powers as are reasonably incidental thereto and (iv) agrees that it will perform in accordance with their terms all of the obligations which by the terms of the Credit Agreement and the other Loan Documents are required to be performed by it as a Lender.
Each Lender hereby agrees to make its Commitment on the following terms and conditions:
		
	1.
	New Term A Lenders.  Each New Term A Lender acknowledges and agrees that upon its execution of this Amendment and the making of the Incremental Term Loans that such New Term A Lender shall become a “Lender” and a “Term A Lender” under, and for all purposes of, the Credit Agreement and the other Loan Documents, and shall be subject to and bound by the terms thereof, and shall perform all the obligations of and shall have all rights of a “Lender” and “Term A Lender” thereunder.

		
	2.
	New Revolving Lenders.  Each New Revolving Lender acknowledges and agrees that upon its execution of this Agreement and the making of the effectiveness of the Incremental Revolving Commitment Increases that such New Revolving Lender shall become a “Lender” and a “Revolving Lender” under, and for all purposes of, the Credit Agreement and the other Loan Documents, and shall be subject to and bound by the terms thereof, and shall perform all the obligations of and shall have all rights of a “Lender” and “Revolving Lender” thereunder.

		
	3.
	Credit Agreement Governs.  Upon satisfaction of the conditions herein, the Incremental Term Loans and the Incremental Revolving Commitment Increases established by this Amendment shall be subject to the provisions of the Credit Agreement and the other Loan Documents (including, without limitation, the amortization provisions of the Credit Agreement).

		
	4.
	Borrower’s Certifications.  By its execution of this Amendment, the Borrower hereby certifies that as of the Closing Date (as defined below):

		
	i.
	The representations and warranties made by the Loan Parties in any Loan Document are true and correct in all material respects at and as of the date hereof to the same extent as though made at and as of the date hereof, provided that to the extent such representations and warranties specifically refer to an earlier date, in which case such representations and warranties were true and correct in all material respects on and as of such earlier date; provided further that, any representation and warranty that is qualified as to “materiality,” “Material Adverse Effect” or similar language shall be true and correct (after giving effect to any qualification therein) in all respects; and

		
	ii.
	No Default or Event of Default will exist or be continuing at the Closing Date either prior to or after giving effect to the Incremental Term Loans and Incremental Revolving Commitment Increases.

-2-

SC1:3306693.9

Exhibit 10.1

EXECUTION COPY 

		
	5.
	Conditions to Effectiveness.  The obligation of each New Term A Lender to make a Loan and the effectiveness of the Incremental Revolving Commitments Increase is subject solely to the satisfaction of the following conditions (the “Closing Date”):

		
	i.
	The Administrative Agent shall have received a duly executed copy of this Amendment.

		
	ii.
	The Administrative Agent shall have received an opinion substantially in the form of Exhibit A from Sullivan & Cromwell LLP, counsel to the Loan Parties, addressed to the Administrative Agent and each Lender, dated the Closing Date; 

		
	iii.
	Payment of the fees set forth in Item 7 of the Notice of Additional Credit Extension Amendment, dated September 26, 2012; and

		
	iv.
	The Administrative Agent shall have received a certificate, dated the Closing Date and signed by a Responsible Officer of the Borrower, with respect to the Total Leverage Ratio requirement in Section 2.15(a) of the Credit Agreement.

		
	6.
	Eligible Assignee.  By its execution of this Amendment, each New Term A Lender and each New Revolving Lender severally represents and warrants that it is an Eligible Assignee.

		
	7.
	Notice.  For purposes of the Credit Agreement, the initial notice address of each New Term A Lender and New Revolving Lender shall be as set forth below its signature below.

		
	8.
	Recordation of the New Loans.  Upon execution and delivery hereof, Administrative Agent will record the Incremental Term Loans made by the New Term A Lenders as Term A Loans and the Incremental Revolving Commitments Increase made by New Revolving Lenders in the Register.

		
	9.
	Amendment, Modification and Waiver.  This Amendment may not be amended, modified or waived except by an instrument or instruments in writing signed and delivered on behalf of each of the parties hereto.

		
	10.
	Entire Agreement.  This Amendment, the Credit Agreement and the other Loan Documents constitute the entire agreement among the parties with respect to the subject matter hereof and thereof and supersede all other prior agreements and understandings, both written and verbal, among the parties or any of them with respect to the subject matter hereof.

		
	11.
	GOVERNING LAW AND WAIVER OF JURY TRIAL.  Sections 10.17 and 10.18 of the Credit Agreement are incorporated herein mutatis mutandis with the reference to “Agreement” therein being deemed references to this Amendment.  

		
	12.
	Severability.  Any term or provision of this Amendment which is invalid or unenforceable in any jurisdiction shall, as to that jurisdiction, be ineffective to the extent of such invalidity or unenforceability without rendering invalid or unenforceable the remaining terms and 

-3-

SC1:3306693.9

Exhibit 10.1

EXECUTION COPY 

provisions of this Amendment or affecting the validity or enforceability of any of the terms or provisions of this Amendment in any other jurisdiction.  If any provision of this Amendment is so broad as to be unenforceable, the provision shall be interpreted to be only so broad as would be enforceable.
		
	13.
	Headings.  The headings of the sections and subsections hereof are provided for convenience only and shall not in any way affect the meaning or construction of any provision of this Amendment. 

		
	14.
	Counterparts.  This Amendment may be executed in counterparts, each of which shall be deemed to be an original, but all of which shall constitute one and the same agreement.

[Remainder of page intentionally left blank]

-4-

SC1:3306693.9

IN WITNESS WHEREOF, each of the undersigned has caused its duly authorized officer to execute and deliver this Amendment as of the date first above written.

FIFTH THIRD BANK
By: /s/ Glen Mastey 
Name: Glen Mastey 
Title: Vice President

[Signature Page to Additional Credit Extension Amendment]

MIZUHO CORPORATE BANK LTD.
By: /s/ Bertram H. Tang 
Name: Bertram H. Tang 
Title: Authorized Signatory

[Signature Page to Additional Credit Extension Amendment]

BANK OF AMERICA N.A.
By: /s/ Thuy U. Bui 
Name: Thuy U. Bui 
Title: Vice President

[Signature Page to Additional Credit Extension Amendment]

SUMITOMO MITSUI BANKING CORPORATION
By: /s/ David W. Kee 
Name: David W. Kee 
Title: Managing Director

[Signature Page to Additional Credit Extension Amendment]

COMERICA BANK
By: /s/ Mark Skrzynski 
Name: Mark Skrzynski 
Title: Assistant Vice President

[Signature Page to Additional Credit Extension Amendment]

DBS BANK LTD., LOS ANGELES AGENCY
By: /s/ James McWalters 
Name: James McWalters 
Title: General Manager & Managing Director

[Signature Page to Additional Credit Extension Amendment]

VERIFONE, INC.
By:  /s/ Robert Dykes 
Name: Robert Dykes 
Title: EVP & CFO
VERIFONE INTERMEDIATE HOLDINGS, INC.
By:  /s/ Robert Dykes 
Name: Robert Dykes 
Title: EVP & CFO

[Signature Page to Additional Credit Extension Amendment]

ACKNOWLEDGED BY:
VERIFONE MEDIA, LLC
By:  /s/ Robert Dykes 
Name: Robert Dykes 
Title: EVP & CFO
GLOBAL BAY MEDIA TECHNOLOGIES INC.
By:  /s/ Robert Dykes 
Name: Robert Dykes 
Title: EVP & CFO
HYPERCOM CORPORATION
By:  /s/ Robert Dykes 
Name: Robert Dykes 
Title: EVP & CFO
HYPERCOM U.S.A., INC.
By:  /s/ Robert Dykes 
Name: Robert Dykes 
Title: EVP & CFO

[Signature Page to Additional Credit Extension Amendment]

JP. MORGAN CHASE BANK, N.A., 
as Administrative Agent
By:  /s/ Gerardo B. Loera 
Name: Gerardo B. Loera
Title: Vice President

[Signature Page to Additional Credit Extension Amendment]

SCHEDULE A 
TO ADDITIONAL CREDIT EXTENSION AMENDMENT

	
			
	Name of Lender
	Incremental Term Loan Commitment (Term A Commitment)
	Amount of Incremental Revolving Commitment Increase

	FIFTH THIRD BANK
	$15,500,000
	$34,500,000

	MIZUHO CORPORATE BANK LTD.
	35,000,000
	15,000,000

	BANK OF AMERICA, N.A.
	17,500,000
	7,500,000

	SUMITOMO MITSUI BANKING CORPORATION
	17,500,000
	7,500,000

	COMERICA BANK
	14,000,000
	6,000,000

	DBS BANK LTD., LOS ANGELES AGENCY
	10,500,000
	4,500,000

	 
	Total:  $110,000,000
	Total:  $75,000,000

SC1:3306693.9

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