Document:

Exhibit 10.6

 

EARLYBIRDCAPITAL,
INC. 

366 Madison Avenue

New York, New
York 10017

 

June 23, 2020

 

Brilliant Acquisition Corporation

99 Dan Ba Road, C-9

Putuo District, Shanghai

People’s Republic of China 200062

Attn: Dr. Peng Jiang, Chief Executive Officer

 

Ladies and Gentlemen:

 

This is to confirm our agreement (this
“Agreement”) whereby Brilliant Acquisition Corporation, a British Virgin Islands company (“Company”),
has requested EarlyBirdCapital, Inc. (the “Advisor”) to assist it in connection with the Company merger, share
exchange, asset acquisition, stock purchase, recapitalization, reorganization or similar business combination (in each case, a
“Business Combination”) with one or more businesses or entities (each a “Target”) as described
in the Company’s Registration Statement on Form S-1 (File No. 333- 237153) filed with the Securities and Exchange Commission
(“Registration Statement”) in connection with its initial public offering (“IPO”).

 

1.  Services and
Fees.

 

(a) The Advisor will, if requested by the Company:

 

		(i)	Assist the Company in the transaction structuring and negotiation
of a definitive purchase agreement with respect to the Business Combination;

 

		(ii)	Hold meetings with Company shareholders to discuss the
Business Combination and the Target’s attributes;

 

		(iii)	Introduce the Company to potential investors to purchase
the Company’s securities in connection with the Business Combination;

 

		(iv)	Assist the Company in trying to obtain shareholder approval
for the Business Combination, including assistance with the Company’s proxy statement or tender offer materials; and

 

		(v)	Assist the Company with relevant financial analysis, presentations,
press releases and filings related to the Business Combination or the Target.

 

(b) As compensation for the foregoing services,
the Company will pay the Advisor a cash fee equal to 3.5% of the gross proceeds received by the Company in the IPO (“Transaction
Fee”); provided, however, that the Transaction Fee shall he reduced by an aggregate amount equal to 1.5% of the dollar amount
of Company securities purchased prior to the closing of the Business Combination by investors that: (i) are introduced to the
Advisor by the Company (or any of its direct or indirect affiliates); (ii) have not been previously introduced to a SPAC initial
public offering by the Advisor; (iii) continue to hold the ordinary shares through the closing of the Business Combination, and
(iv) do not exercise redemption rights with respect thereto in connection with such Business Combination.

 

(c)
In addition to the Transaction Fee, the Company shall pay to Advisor a cash fee equal to 1.0% of the Total Consideration (as the
term “Total Consideration” is defined below) in the event Advisor introduces the Company to the Target with which
the Company completes a Business Combination (“Finder Fee” and together with the Transaction Fee, the “Fee”).

 

    

     

    

 

(d)
The Transaction Fee and any Finder Fee, if applicable, shall be payable in cash and is due and payable to the Advisor by wire
transfer at the closing of the Business Combination (“Closing”) from the Trust Account (defined below); provided
that the Finder Fee shall not be paid prior to the date that is 90 days from the effective date of the Registration Statement
unless the Financial Industry Regulatory Authority determines that such payment would not be deemed underwriters’ compensation
in connection with the IPO. If a proposed Business Combination is not consummated for any reason, no Fee shall be due or payable
to the Advisor hereunder.

 

(e) For purposes of this Agreement, “Total Consideration”
shall mean the total value of all cash, securities, or other property paid or transferred at the Closing (or Closings) by or to
the Company, the Target and/or their respective shareholders or to be paid or transferred in the future to such parties with respect
to such Business Combination (other than payments of interest or dividends), including, without limitation, any value paid in respect
of (i) the assets of the Company or Target, (ii) the share capital of the Company or Target (and any securities convertible into
options, warrants or other rights to acquire such shares), and (iii) the assumption, retirement or defeasance, directly or indirectly
(by operation of law or otherwise), of any long-term liabilities of the Company or Target or repayment of indebtedness, including,
without limitation, indebtedness secured by the assets of the Company or Target, capital leases or preferred shares obligations.
Notwithstanding the foregoing, if the Business Combination contemplates the Target or newly formed holding company being the surviving
entity in the Business Combination and issuing its securities to the Company as consideration, the Total Consideration will be
deemed to be the fair market value of the Target as indicated in the Business Combination’s definitive acquisition agreement
and proxy materials. If Total Consideration paid or transferred in the Business Combination includes non-cash consideration consisting
of ordinary shares, options, warrants or rights for which a public trading market existed prior to the Closing, then the value
of such securities shall be determined by the closing or last sales price thereof on the date that is two business days prior to
the record date for the vote on the Business Combination. If all or a portion of the Total Consideration paid or transferred in
the Business Combination is other than cash and securities (as described above), then the value of such other consideration shall
be the fair market value thereof on the Closing as mutually agreed upon in good faith by the Company and Advisor. Any amounts payable
or transferable to the Company or Target, or any affiliate of the Company or Target or any shareholder of the Company or Target
in connection with a non-competition agreement or any employment, consulting, licensing, supply, transfer, assignment, forbearance
or other agreement (whether by separate agreement or in the Transactions documents), to the extent that such amounts payable are
greater than what would customarily be paid on an arms-length basis, shall be deemed to be part of the consideration paid in the
Business Combination. If all or a portion of the Total Consideration payable or transferable in connection with a Business Combination
includes future payments, whether or not in escrow, then the Company shall pay Advisor any additional cash fee, determined in accordance
with this Section 1, when, and if such payments are made.

 

2. Expenses.

 

At the Closing, the Company shall reimburse the Advisor up to
$20,000 for its reasonable costs and expenses incurred (including its fees and disbursements of counsel) in connection with the
performance of its services hereunder; provided, however, all expenses in excess of $5,000 in the aggregate shall be subject to
the Company’s prior written approval, which approval will not be unreasonably withheld. Reimbursable expenses shall be due
and payable to the Advisor by wire transfer at the Closing from the Trust Account.

 

3. Company Cooperation.

 

The Company will cooperate with the Advisor
including, but not limited to, providing to the Advisor and its counsel, on a timely basis, all documents and information regarding
the Company and Target that the Advisor may reasonably request or that are otherwise relevant to the Advisor’s performance
of its obligations hereunder (collectively, the “Information”); making the Company’s management, auditors,
consultants and advisors available to the Advisor; and, using commercially reasonable efforts to provide the Advisor with reasonable
access to the management, auditors, suppliers, customers, consultants and advisors of Target. The Company will promptly notify
the Advisor of any change in facts or circumstances or new developments affecting the Company or Target or that might reasonably
be considered material to the Advisor’s engagement hereunder.

 

    2

     

    

 

4. Representations;
Warranties and Covenants.

 

The Company represents, warrants and covenants to the Advisor
that all Information it makes available to the Advisor by or on behalf of the Company in connection with the performance of its
obligations hereunder will not contain any untrue statement of a material fact or omit to state a material fact necessary in order
to make statements made, in light of the circumstances under which they were made, not misleading as of the date thereof and as
of the consummation of the Business Combination.

 

5. Indemnity.

 

The Company shall indemnify the Advisor and its affiliates and
their respective directors, officers, employees, shareholders, representatives and agents in accordance with the indemnification
provisions set forth in Annex I hereto, all of which are incorporated herein by reference.

 

Notwithstanding the foregoing and Annex
I, the Advisor agrees, if there is no Closing, (i) that it does not have any right, title, interest or claim of any kind in or
to any monies in the Company’s trust account established in connection with the IPO (“Trust Account”)
with respect to this Agreement (each, a “Claim”); (ii) to waive any Claim it may have in the future as a result
of, or arising out of, any services provided to the Company hereunder; and (iii) to not seek recourse against the Trust Account
with respect to the Fee.

 

6. Use of Name and
Reports.

 

Without the Advisor’s prior written consent, neither the
Company nor any of its affiliates (nor any director, officer, manager, partner, member, employee, representative or agent thereof)
shall quote or refer to, in any filings with the Securities and Exchange Commission, any advice rendered by the Advisor to the
Company or any communication from the Advisor, in each case, in connection with performance of the Advisor’s services hereunder,
except as required by applicable federal or state law, regulation or securities exchange rule.

 

7. Status as Independent
Contractor.

 

Advisor shall perform its services as an independent contractor
and not as an employee of the Company or affiliate thereof. It is expressly understood and agreed to by the parties that the Advisor
shall have no authority to act for, represent or bind the Company or any affiliate thereof in any manner, except as may be expressly
agreed to by the Company in writing. In rendering such services, the Advisor will be acting solely pursuant to a contractual relationship
on an arm’s-length basis. This Agreement is not intended to create a fiduciary relationship between the parties and neither
the Advisor nor any of the Advisor’s officers, directors or personnel will owe any fiduciary duty to the Company or any other
person in connection with any of the matters contemplated by this Agreement.

 

8. Potential Conflicts.

 

The Company acknowledges that the Advisor is a full-service
securities firm engaged in securities trading and brokerage activities and providing investment banking and advisory services from
which conflicting interests may arise. Subject to applicable law, in the ordinary course of business, the Advisor and its affiliates
may at any time hold long or short positions, and may trade or otherwise effect transactions, for their own account or the accounts
of customers, in debt or equity securities of the Company, its affiliates or other entities that may be involved in the transactions
contemplated hereby. Nothing in this Agreement shall be construed to limit or restrict the Advisor or any of its affiliates in
conducting such business to the extent permitted by applicable law.

 

9. Entire Agreement.

 

This Agreement constitutes the entire understanding
between the parties with respect to the subject matter hereof and supersedes all prior agreements and understandings, oral or
written, with respect thereto. This Agreement may not be modified or terminated orally or in any manner other than by an agreement
in writing signed by the parties hereto. 

 

    3

     

    

 

10. Notices.

 

Any notices required or permitted to be given hereunder shall
be in writing and shall be deemed given when mailed by certified mail or private courier service, return receipt requested, addressed
to each party at its respective addresses set forth above, or such other address as may be given by a party in a notice given pursuant
to this Section.

 

11. Successors and
Assigns.

 

This Agreement may not be assigned by either party without the
written consent of the other. This Agreement shall be binding upon and shall inure to the benefit of the parties hereto and, except
where prohibited, to their successors and assigns.

 

12. Non-Exclusivity.

 

Nothing herein shall be deemed to restrict or prohibit the engagement
by the Company of other consultants providing the same or similar services or the payment by the Company of fees to such other
consultants. Except as provided in Section 1(b), the Company’s engagement of any other consultant(s) shall not affect the
Advisor’s right to receive the Fee and reimbursement of expenses pursuant to this Agreement.

 

13. Applicable Law;
Venue.

 

This Agreement shall be construed and enforced in accordance
with the laws of the State of New York without giving effect to conflict of laws.

 

In the event of any dispute under this Agreement, then and in
such event, each party hereto agrees that the dispute shall either be (i) resolved through final and binding arbitration in accordance
with the International Arbitration Rules of the American Arbitration Association (“AAA”) or ( ii) brought and enforced
in the courts of the State of New York, County of New York under the accelerated adjudication procedures of the Commercial Division,
or the United States District Court for the Southern District of New York, in each event at the discretion of the party initiating
the dispute. Once a party files a dispute (if arbitration, by sending JAMS a Demand for Arbitration) with one of the above forums,
the parties agree that all issues regarding such dispute or this Agreement must be resolved before such forum rather than seeking
to resolve it through another alternative forum set forth above.

 

In the event the dispute is brought before the AAA, the arbitration
shall be brought before the AAA International Center for Dispute Resolution’s offices in New York City, New York, will be
conducted in English and will be decided by a panel of three arbitrators selected from the AAA Commercial Disputes Panel. Each
of the parties agrees that the decision and/or award made by the arbitrators shall be final and enforceable by any court having
jurisdiction over the party from whom enforcement is sought. Furthermore, the parties to any such arbitration shall be entitled
to make one motion for summary judgment within 60 days of the commencement of the arbitration, which shall be decided by the arbitrator[s]
prior to the commencement of the hearings.

 

In the event the dispute is brought by a party in the courts
of the State of New York or the United States District Court for the Southern District of New York, each party irrevocably submits
to such jurisdiction, which jurisdiction shall be exclusive. Each party hereby waives any objection to such exclusive jurisdiction
and that such courts represent an inconvenient forum. Any such process or summons to be served upon a party may be served by transmitting
a copy thereof by registered or certified mail, postage prepaid, addressed to such party at the address set forth at the beginning
of this Agreement. Such mailing shall be deemed personal service and shall be legal and binding upon the party being served in
any action, proceeding or claim. The parties agree that the prevailing party(ies) in any such action shall be entitled to recover
from the other party(ies) all of its reasonable attorneys’ fees and expenses relating to such action or proceeding and/or
incurred in connection with the preparation therefor.

 

The Company hereby appoints, without power of revocation, RAITI,
PLLC, 1345 Avenue of the Americas, New York, NY 10105, Attn: Warren A. Raiti, Esq., as its agent to accept and acknowledge on its
behalf service of any and all process which may be served in any arbitration, action, proceeding or counterclaim in any way relating
to or arising out of this Agreement. The Company further agrees to take any and all action as may be necessary to maintain such
designation and appointment of such agent in full force and effect for a period of seven years from the date of this Agreement.

 

14. Counterparts.

 

This Agreement may be executed in several original or facsimile
counterparts, each one of which shall constitute an original, and together shall constitute but one instrument.

 

    4

     

    

 

If the foregoing correctly sets forth the
understanding between the Advisor and the Company with respect to the foregoing, please so indicate your agreement by signing in
the place provided below, at which time this letter shall become a binding contract.

 

		EARLYBIRDCAPITAL, INC
	 	 	 
	 	By:	/s/ Steven Levine
	 	Name:  	Steven Levine
	 	Title:	CEO

 

	AGREED AND ACCEPTED BY:	 
	 	 
	BRILLIANT ACQUISITION CORPORATION	 
	 	 	 
	By:	                       	 
	Name:  		 
	Title:		 

 

    

     

    

 

If the foregoing correctly sets forth the
understanding between the Advisor and the Company with respect to the foregoing, please so indicate your agreement by signing in
the place provided below, at which time this letter shall become a binding contract.

 

		EARLYBIRDCAPITAL, INC
	 	 	 
	 	By:	                             
	 	Name:  	
	 	Title:	

 

	AGREED AND ACCEPTED BY:	 
	 	 
	BRILLIANT ACQUISITION CORPORATION	 
	 	 	 
	By:	/s/ Dr. Peng Jiang 	 
	Name:  	Dr. Peng Jiang	 
	Title:	Chief Executive Officer and 

Chief Financial Officer	 

 

    

     

    

 

ANNEX I

 

Indemnification

 

In connection with the Company’s
engagement of EarlyBirdCapital, Inc. (the “Advisor”) pursuant to that certain letter agreement (“Agreement”)
of which this Annex forms a part, Brilliant Acquisition Corporation (the “Company”) hereby agrees, subject
to the second paragraph of Section 5 of the Agreement, to indemnify and hold harmless the Advisor and its affiliates and their
respective directors, officers, shareholders, agents and employees of any of the foregoing (collectively the “Indemnified
Persons”), from and against any and all claims, actions, suits, proceedings (including those of shareholders), damages,
liabilities and expenses incurred by any of them (including the reasonable fees and expenses of counsel), as incurred, (collectively
a “Claim”), that (A) are related to or arise out of (i) any actions taken or omitted to be taken (including
any untrue statements made or any statements omitted to be made) by the Company, or (ii) any actions taken or omitted to be taken
by any Indemnified Person in connection with the Company’s engagement of the Advisor, or (B) otherwise relate to or arise
out of the Advisor’s activities on the Company’s behalf under the Advisor’s engagement, and the Company shall
reimburse any Indemnified Person for all expenses (including the reasonable fees and expenses of counsel) as incurred by such
Indemnified Person in connection with investigating, preparing or defending any such claim, action, suit or proceeding, whether
or not in connection with pending or threatened litigation in which any Indemnified Person is a party.

 

The Company will not, however, be responsible for any Claim
that is finally judicially determined to have resulted from the gross negligence or willful misconduct of any person seeking indemnification
for such Claim. The Company further agrees that no Indemnified Person shall have any liability to the Company for or in connection
with the Company’s engagement of the Advisor except for any Claim incurred by the Company as a result of such Indemnified
Person’s gross negligence or willful misconduct.

 

The Company further agrees that it will not, without the prior
written consent of the Advisor which consent may not be unreasonably withheld, settle, compromise or consent to the entry of any
judgment in any pending or threatened Claim in respect of which indemnification may be sought hereunder (whether or not any Indemnified
Person is an actual or potential party to such Claim), unless such settlement, compromise or consent includes an unconditional,
irrevocable release of each Indemnified Person from any and all liability arising out of such Claim.

 

Promptly upon receipt by an Indemnified Person of notice of
any complaint or the assertion or institution of any Claim with respect to which indemnification is being sought hereunder, such
Indemnified Person shall notify the Company in writing of such complaint or of such assertion or institution but failure to so
notify the Company shall not relieve the Company from any obligation it may have hereunder, except and only to the extent such
failure results in the forfeiture by the Company of substantial rights and defenses. If the Company so elects or is requested by
such Indemnified Person, the Company will assume the defense of such Claim, including the employment of counsel reasonably satisfactory
to such Indemnified Person and the payment of the fees and expenses of such counsel. In the event, however, that legal counsel
to such Indemnified Person reasonably determines that having common counsel would present such counsel with a conflict of interest
or if the defendant in, or target of, any such Claim, includes an Indemnified Person and the Company, and legal counsel to such
Indemnified Person reasonably concludes that there may be legal defenses available to it or other Indemnified Persons different
from or in addition to those available to the Company, then such Indemnified Person may employ its own separate counsel to represent
or defend him, her or it in any such Claim and the Company shall pay the reasonable fees and expenses of such counsel. Notwithstanding
anything herein to the contrary, if the Company fails timely or diligently to defend, contest, or otherwise protect against any
Claim, the relevant Indemnified Party shall have the right, but not the obligation, to defend, contest, compromise, settle, assert
crossclaims, or counterclaims or otherwise protect against the same, and shall be fully indemnified by the Company therefor, including
without limitation, for the reasonable fees and expenses of its counsel and all amounts paid as a result of such Claim or the compromise
or settlement thereof.

 

In addition, with respect to any Claim in which the Company
assumes the defense, the Indemnified Person shall have the right to participate in such Claim and to retain his, her or its own
counsel therefor at his, her or its own expense.

 

The Company agrees that if any indemnity sought by an Indemnified
Person hereunder is held by a court to be unavailable for any reason then (whether or not the Advisor is an Indemnified Person),
the Company and the Advisor shall contribute to the Claim for which such indemnity is held unavailable in such proportion as is
appropriate to reflect the relative benefits to the Company, on the one hand, and the Advisor on the other, in connection with
the Advisor’s engagement referred to above, subject to the limitation that in no event shall the amount of the Advisor’s
contribution to such Claim exceed the amount of fees actually received by the Advisor from the Company pursuant to the Advisor’s
engagement. The Company hereby agrees that the relative benefits to the Company, on the one hand, and the Advisor on the other,
with respect to the Advisor’s engagement shall be deemed to be in the same proportion as (a) the total value paid or proposed
to be paid or received by the Company or its shareholders as the case may be, pursuant to the transaction (whether or not consummated)
for which the Advisor is engaged to render services bears to (b) the fee paid or proposed to be paid to the Advisor in connection
with such engagement.

 

The Company’s indemnity, reimbursement and contribution
obligations under this Agreement (a) shall be in addition to, and shall in no way limit or otherwise adversely affect any rights
that any Indemnified Party may have at law or at equity and (b) shall be effective whether or not the Company is at fault in any
way.Exhibit 10.1

 

	SBA
    Loan #7040527908	Application
    #3000020655

 

LOAN
AUTHORIZATION AND AGREEMENT (LA&A)

 

A
PROPERLY SIGNED DOCUMENT IS 

REQUIRED PRIOR TO ANY 

DISBURSEMENT

 

CAREFULLY
READ THE LA&A:

 

This
document describes the terms and conditions of your loan. It is your responsibility to comply with ALL the terms and conditions
of your loan.

 

SIGNING
THE LA&A:

 

All
borrowers must sign the LA&A.

 

		●	Sign
                                         your name exactly as it appears on the LA&A. If typed incorrectly,
                                         you should sign with the correct spelling.

 

		●	If
                                         your middle initial appears on the signature line, sign with your middle initial.

 

		●	If
                                         a suffix appears on the signature line, such as Sr. or Jr., sign with your suffix.

 

		●	Corporate
                                         Signatories: Authorized representatives should sign the signature page.

 

Your
signature represents your agreement to comply

with
the terms and conditions of the loan.

  

 

 

Ref
50 30

     

     

    

	SBA
                                         Loan #7040527908	Application
    #3000020655

 

U.S.
Small Business Administration 

Economic
Injury Disaster Loan

 

LOAN
AUTHORIZATION AND AGREEMENT

 

Date:
06.17.2020 (Effective Date)

 

On
the above date, this Administration (SBA) authorized (under Section 7(b) of the Small Business Act, as amended) a Loan (SBA Loan
#7040527908) to Home Bistro Inc (Borrower) of 4014 CHASE AVE STE 212 MIAMI BEACH Florida 33140 in the amount of one hundred and
fifty thousand and 00/100 Dollars ($150,000.00), upon the following conditions:

 

PAYMENT

 

		●	Installment
                                         payments, including principal and interest, of $731.00 Monthly, will begin Twelve
                                         (12) months from the date of the promissory Note. The balance of principal and interest
                                         will be payable Thirty (30) years from the date of the promissory Note.

 

INTEREST

 

		●	Interest
                                         will accrue at the rate of 3.75% per annum and will accrue only on funds actually
                                         advanced from the date(s) of each advance.

 

PAYMENT
TERMS

 

		●	Each
                                         payment will be applied first to interest accrued to the date of receipt of each payment,
                                         and the balance, if any, will be applied to principal.

 

		●	Each
                                         payment will be made when due even if at that time the full amount of the Loan has not
                                         yet been advanced or the authorized amount of the Loan has been reduced.

 

COLLATERAL

 

		●	For loan amounts of
                                                                                                                                                                        greater than $25,000, Borrower hereby grants to SBA, the secured party hereunder, a continuing security interest in and to
                                                                                                                                                                        any and all “Collateral” as described herein to secure payment and performance of all debts, liabilities and
                                                                                                                                                                        obligations of Borrower to SBA hereunder without limitation, including but not limited to all interest, other fees and
                                                                                                                                                                        expenses (all hereinafter called “Obligations”). The Collateral includes the following property that Borrower now
                                                                                                                                                                        owns or shall acquire or create immediately upon the acquisition or creation thereof: all tangible and intangible personal
                                                                                                                                                                        property, including, but not limited to: (a) inventory, (b) equipment, (c) instruments, including promissory notes (d)
                                                                                                                                                                        chattel paper, including tangible chattel paper and electronic chattel paper, (e) documents, (f) letter of credit rights, (g)
                                                                                                                                                                        accounts, including health-care insurance receivables and credit card receivables, (h) deposit accounts, (i) commercial tort
                                                                                                                                                                        claims, (j) general intangibles, including payment intangibles and software and (k) as-extracted collateral as such terms may
                                                                                                                                                                        from time to time be defined in the Uniform Commercial Code. The security interest Borrower grants includes all accessions,
                                                                                                                                                                        attachments, accessories, parts, supplies and replacements for the Collateral, all products, proceeds and collections thereof
                                                                                                                                                                        and all records and data relating thereto.

 

		●	For
                                         loan amounts of $25,000 or less, SBA is not taking a security interest in any collateral.

 

    	
	Page 2 of 11	

	SBA Form 1391 (5-00)	 	Ref 50 30

    	SBA Loan #7040527908	Application #3000020655

    

 

REQUIREMENTS
RELATIVE TO COLLATERAL

 

		●	Borrower
                                         will not sell or transfer any collateral (except normal inventory turnover in the ordinary
                                         course of business) described in the “Collateral” paragraph hereof without
                                         the prior written consent of SBA.

 

		●	Borrower
                                         will neither seek nor accept future advances under any superior liens on the collateral
                                         securing this Loan without the prior written consent of SBA.

 

USE
OF LOAN PROCEEDS

 

		●	Borrower
will use all the proceeds of this Loan solely as working capital to alleviate economic injury caused by disaster occurring in
the month of January 31, 2020 and continuing thereafter and to pay Uniform Commercial Code (UCC) lien filing fees and a third-party
UCC handling charge of $100 which will be deducted from the Loan amount stated above.

 

REQUIREMENTS
FOR USE OF LOAN PROCEEDS AND RECEIPTS

 

		●	Borrower
                                         will obtain and itemize receipts (paid receipts, paid invoices or cancelled checks) and
                                         contracts for all Loan funds spent and retain these receipts for 3 years from the date
                                         of the final disbursement. Prior to each subsequent disbursement (if any) and whenever
                                         requested by SBA, Borrower will submit to SBA such itemization together with copies of
                                         the receipts.

 

		●	Borrower
                                         will not use, directly or indirectly, any portion of the proceeds of this Loan to relocate
                                         without the prior written permission of SBA. The law prohibits the use of any portion
                                         of the proceeds of this Loan for voluntary relocation from the business area in which
                                         the disaster occurred. To request SBA’s prior written permission to relocate, Borrower
                                         will present to SBA the reasons therefore and a description or address of the relocation
                                         site. Determinations of (1) whether a relocation is voluntary or otherwise, and (2) whether
                                         any site other than the disaster-affected location is within the business area in which
                                         the disaster occurred, will be made solely by SBA.

 

		●	Borrower
                                         will, to the extent feasible, purchase only American-made equipment and products with
                                         the proceeds of this Loan.

 

		●	Borrower
                                         will make any request for a loan increase for additional disaster-related damages as
                                         soon as possible after the need for a loan increase is discovered. The SBA will not consider
                                         a request for a loan increase received more than two (2) years from the date of
                                         loan approval unless, in the sole discretion of the SBA, there are extraordinary and
                                         unforeseeable circumstances beyond the control of the borrower.

 

DEADLINE
FOR RETURN OF LOAN CLOSING DOCUMENTS

 

		●	Borrower
                                         will sign and return the loan closing documents to SBA within 2 months of the date of
                                         this Loan Authorization and Agreement. By notifying the Borrower in writing, SBA
                                         may cancel this Loan if the Borrower fails to meet this requirement. The Borrower may
                                         submit and the SBA may, in its sole discretion, accept documents after 2 months of the
                                         date of this Loan Authorization and Agreement.

 

    	
	Page 3 of 11	

	SBA Form 1391 (5-00)	 	Ref 50 30

    	SBA Loan #7040527908	Application #3000020655

    

 

COMPENSATION
FROM OTHER SOURCES

 

		●	Eligibility
for this disaster Loan is limited to disaster losses that are not compensated by other sources. Other sources include but are
not limited to: (1) proceeds of policies of insurance or other indemnifications, (2) grants or other reimbursement (including
loans) from government agencies or private organizations, (3) claims for civil liability against other individuals, organizations
or governmental entities, and (4) salvage (including any sale or re-use) of items of damaged property.

 

		●	Borrower
                                         will promptly notify SBA of the existence and status of any claim or application for
                                         such other compensation, and of the receipt of any such compensation, and Borrower will
                                         promptly submit the proceeds of same (not exceeding the outstanding balance of this Loan)
                                         to SBA.

 

		●	Borrower
                                         hereby assigns to SBA the proceeds of any such compensation from other sources and authorizes
                                         the payor of same to deliver said proceeds to SBA at such time and place as SBA shall
                                         designate.

 

		●	SBA
                                         will in its sole discretion determine whether any such compensation from other sources
                                         is a duplication of benefits. SBA will use the proceeds of any such duplication to reduce
                                         the outstanding balance of this Loan, and Borrower agrees that such proceeds will not
                                         be applied in lieu of scheduled payments.

 

DUTY
TO MAINTAIN HAZARD INSURANCE

 

		●	Within
                                         12 months from the date of this Loan Authorization and Agreement the Borrower will provide
                                         proof of an active and in effect hazard insurance policy including fire, lightning, and
                                         extended coverage on all items used to secure this loan to at least 80% of the insurable
                                         value. Borrower will not cancel such coverage and will maintain such coverage throughout
                                         the entire term of this Loan. BORROWER MAY NOT BE ELIGIBLE FOR EITHER ANY FUTURE DISASTER
                                         ASSISTANCE OR SBA FINANCIAL ASSISTANCE IF THIS INSURANCE IS NOT MAINTAINED AS STIPULATED
                                         HEREIN THROUGHOUT THE ENTIRE TERM OF THIS LOAN. Please submit proof of insurance
                                         to: U.S. Small Business Administration, Office of Disaster Assistance, 14925 Kingsport
                                         Rd, Fort Worth, TX. 76155.

 

BOOKS
AND RECORDS

 

		●	Borrower
                                         will maintain current and proper books of account in a manner satisfactory to SBA for
                                         the most recent 5 years until 3 years after the date of maturity, including extensions,
                                         or the date this Loan is paid in full, whichever occurs first. Such books will include
                                         Borrower’s financial and operating statements, insurance policies, tax returns and related
                                         filings, records of earnings distributed and dividends paid and records of compensation
                                         to officers, directors, holders of 10% or more of Borrower’s capital stock, members,
                                         partners and proprietors.

 

		●	Borrower
                                         authorizes SBA to make or cause to be made, at Borrower’s expense and in such a manner
                                         and at such times as SBA may require: (1) inspections and audits of any books, records
                                         and paper in the custody or control of Borrower or others relating to Borrower’s financial
                                         or business conditions, including the making of copies thereof and extracts therefrom,
                                         and (2) inspections and appraisals of any of Borrower’s assets.

 

		●	Borrower
                                         will furnish to SBA, not later than 3 months following the expiration of Borrower’s fiscal
                                         year and in such form as SBA may require, Borrower’s financial statements.

 

		●	Upon
                                         written request of SBA, Borrower will accompany such statements with an ‘Accountant’s
                                         Review Report’ prepared by an independent public accountant at Borrower’s expense.

 

		●	Borrower
                                         authorizes all Federal, State and municipal authorities to furnish reports of examination,
                                         records and other information relating to the conditions and affairs of Borrower and
                                         any desired information from such reports, returns, files, and records of such authorities
                                         upon request of SBA.

 

    	
	Page 4 of 11	

	SBA Form 1391 (5-00)	 	Ref 50 30

    	SBA Loan #7040527908	Application #3000020655

    

 

LIMITS
ON DISTRIBUTION OF ASSETS

 

		●	Borrower
                                         will not, without the prior written consent of SBA, make any distribution of Borrower’s
                                         assets, or give any preferential treatment, make any advance, directly or indirectly,
                                         by way of loan, gift, bonus, or otherwise, to any owner or partner or any of its employees,
                                         or to any company directly or indirectly controlling or affiliated with or controlled
                                         by Borrower, or any other company.

 

EQUAL
OPPORTUNITY REQUIREMENT

 

		●	If
                                         Borrower has or intends to have employees, Borrower will post SBA Form 722, Equal Opportunity
                                         Poster (copy attached), in Borrower’s place of business where it will be clearly visible
                                         to employees, applicants for employment, and the general public.

 

DISCLOSURE
OF LOBBYING ACTIVITIES

 

		●	Borrower
agrees to the attached Certification Regarding Lobbying Activities 

 

BORROWER’S CERTIFICATIONS

 

Borrower
certifies that:

 

		●	There
                                         has been no substantial adverse change in Borrower’s financial condition (and organization,
                                         in case of a business borrower) since the date of the application for this Loan. (Adverse
                                         changes include, but are not limited to: judgment liens, tax liens, mechanic’s liens,
                                         bankruptcy, financial reverses, arrest or conviction of felony, etc.)

 

		●	No
                                         fees have been paid, directly or indirectly, to any representative (attorney, accountant,
                                         etc.) for services provided or to be provided in connection with applying for or closing
                                         this Loan, other than those reported on SBA Form 5 Business Disaster Loan Application’;
                                         SBA Form 3501 COVID-19 Economic Injury Disaster Loan Application; or SBA Form 159, ‘Compensation
                                         Agreement’. All fees not approved by SBA are prohibited.

 

		●	All
                                         representations in the Borrower’s Loan application (including all supplementary submissions)
                                         are true, correct and complete and are offered to induce SBA to make this Loan.

 

		●	No
                                         claim or application for any other compensation for disaster losses has been submitted
                                         to or requested of any source, and no such other compensation has been received, other
                                         than that which Borrower has fully disclosed to SBA.

 

		●	Neither
                                         the Borrower nor, if the Borrower is a business, any principal who owns at least 50%
                                         of the Borrower, is delinquent more than 60 days under the terms of any: (a) administrative
                                         order; (b) court order; or (c) repayment agreement that requires payment of child support.

 

		●	Borrower
                                         certifies that no fees have been paid, directly or indirectly, to any representative
                                         (attorney, accountant, etc.) for services provided or to be provided in connection with
                                         applying for or closing this Loan, other than those reported on the Loan Application.
                                         All fees not approved by SBA are prohibited. If an Applicant chooses to employ an Agent,
                                         the compensation an Agent charges to and that is paid by the Applicant must bear a necessary
                                         and reasonable relationship to the services actually performed and must be comparable
                                         to those charged by other Agents in the geographical area. Compensation cannot be contingent
                                         on loan approval. In addition, compensation must not include any expenses which are deemed
                                         by SBA to be unreasonable for services actually performed or expenses actually incurred.
                                         Compensation must not include charges prohibited
                                         in 13 CFR 103 or SOP 50-30, Appendix 1. If the compensation exceeds $500 for
                                         a disaster home loan or $2,500 for a disaster business loan, Borrower must fill out the
                                         Compensation Agreement Form 159D which will be provided for Borrower upon request or
                                         can be found on the SBA website.

 

		●	Borrower
certifies, to the best of its, his or her knowledge and belief, that the certifications and representations in the attached Certification
Regarding Lobbying are true, correct and complete and are offered to induce SBA to make this Loan.

 

    	
	Page 5 of 11	

	SBA Form 1391 (5-00)	 	Ref 50 30

    	SBA Loan #7040527908	Application #3000020655

    

 

CIVIL
AND CRIMINAL PENALTIES

 

		●	Whoever wrongfully
                                                                                                                                                                        misapplies the proceeds of an SBA disaster loan shall be civilly liable to the Administrator in an amount equal to
                                                                                                                                                                        one-and-one half times the original principal amount of the loan under 15 U.S.C. 636(b). In addition, any false statement or
                                                                                                                                                                        misrepresentation to SBA may result in criminal, civil or administrative sanctions including, but not limited to: 1) fines,
                                                                                                                                                                        imprisonment or both, under 15 U.S.C. 645, 18 U.S.C. 1001, 18 U.S.C. 1014, 18 U.S.C. 1040, 18 U.S.C. 3571, and any other
                                                                                                                                                                        applicable laws; 2) treble damages and civil penalties under the False Claims Act, 31 U.S.C. 3729; 3) double damages and
                                                                                                                                                                        civil penalties under the Program Fraud Civil Remedies Act, 31 U.S.C. 3802; and 4) suspension and/or debarment from all
                                                                                                                                                                        Federal procurement and non-procurement transactions. Statutory fines may increase if amended by the Federal Civil Penalties
                                                                                                                                                                        Inflation Adjustment Act Improvements Act of 2015.

 

RESULT
OF VIOLATION OF THIS LOAN AUTHORIZATION AND AGREEMENT

 

		●	If
                                         Borrower violates any of the terms or conditions of this Loan Authorization and Agreement,
                                         the Loan will be in default and SBA may declare all or any part of the indebtedness immediately
                                         due and payable. SBA’s failure to exercise its rights under this paragraph will not constitute
                                         a waiver.

 

		●	A
                                         default (or any violation of any of the terms and conditions) of any SBA Loan(s) to Borrower
                                         and/or its affiliates will be considered a default of all such Loan(s).

 

DISBURSEMENT
OF THE LOAN

 

		●	Disbursements
                                         will be made by and at the discretion of SBA Counsel, in accordance with this Loan Authorization
                                         and Agreement and the general requirements of SBA.

 

		●	Disbursements
                                         may be made in increments as needed.

 

		●	Other
                                         conditions may be imposed by SBA pursuant to general requirements of SBA.

 

		●	Disbursement
                                         may be withheld if, in SBA’s sole discretion, there has been an adverse change in Borrower’s
                                         financial condition or in any other material fact represented in the Loan application,
                                         or if Borrower fails to meet any of the terms or conditions of this Loan Authorization
                                         and Agreement.

 

		●	NO
                                         DISBURSEMENT WILL BE MADE LATER THAN 6 MONTHS FROM THE DATE OF THIS LOAN AUTHORIZATION
                                         AND AGREEMENT UNLESS SBA, IN ITS SOLE DISCRETION, EXTENDS THIS DISBURSEMENT PERIOD.

 

    	
	Page 6 of 11	

	SBA Form 1391 (5-00)	 	Ref 50 30

    	SBA Loan #7040527908	Application #3000020655

    

 

PARTIES
AFFECTED

 

		●	This
Loan Authorization and Agreement will be binding upon Borrower and Borrower’s successors and assigns and will inure to the
benefit of SBA and its successors and assigns.

 

RESOLUTION
OF BOARD OF DIRECTORS

 

		●	Borrower
shall, within 180 days of receiving any disbursement of this Loan, submit the appropriate SBA Certificate and/or Resolution to
the U.S. Small Business Administration, Office of Disaster Assistance, 14925 Kingsport Rd, Fort Worth, TX. 76155.

 

ENFORCEABILITY

 

		●	This
Loan Authorization and Agreement is legally binding, enforceable and approved upon Borrower’s signature, the SBA’s
approval and the Loan Proceeds being issued to Borrower by a government issued check or by electronic debit of the Loan Proceeds
to Borrower’ banking account provided by Borrower in application for this Loan.

  

	 	/s/ James E. Rivera
	 	James E. Rivera 
	 	Associate Administrator
	 	U.S. Small Business Administration

 

The
undersigned agree(s) to be bound by the terms and conditions herein during the term of this Loan, and further agree(s) that no
provision stated herein will be waived without prior written consent of SBA. Under penalty of perjury of the United States
of America, I hereby certify that I am authorized to apply for and obtain a disaster loan on behalf of Borrower, in connection
with the effects of the COVID-19 emergency.

 

	 	Home Bistro Inc	 	 
	 		 	 
	 	/s/ Scher Duchman 	 	Date: 	06.17.2020
	 	Scher Duchman, Owner/Officer	 	 

  

Note:
Corporate Borrowers must execute Loan Authorization and Agreement in corporate name, by a duly authorized officer. Partnership
Borrowers must execute in firm name, together with signature of a general partner. Limited Liability entities must execute in
the entity name by the signature of the authorized managing person.

 

    	
	Page 7 of 11	

	SBA Form 1391 (5-00)	 	Ref 50 30

    	SBA Loan #7040527908	Application #3000020655

    

 

CERTIFICATION
REGARDING LOBBYING

 

For
loans over $150,000, Congress requires recipients to agree to the following:

 

		1.	Appropriated
                                         funds may NOT be used for lobbying.

 

		2.	Payment
                                         of non-federal funds for lobbying must be reported on Form SF-LLL.

 

		3.	Language
                                         of this certification must be incorporated into all contracts and subcontracts exceeding
                                         $100,000.

 

		4.	All
contractors and subcontractors with contracts exceeding $100,000 are required to certify and disclose accordingly.

 

    	
	Page 8 of 11	

	SBA Form 1391 (5-00)	 	

    	SBA Loan #7040527908	Application #3000020655

    

 

CERTIFICATION
REGARDING LOBBYING

 

Certification
for Contracts, Grants, Loans, and Cooperative Agreements

 

Borrower
and all Guarantors (if any) certify, to the best of its, his or her knowledge and belief, that:

 

(1)
No Federal appropriated funds have been paid or will be paid, by or on behalf of the undersigned, to any person for
influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of
Congress, or an employee of a Member of Congress in connection with awarding of any Federal contract, the making of any
Federal grant, the making of any Federal loan, the entering into of any cooperative agreement, and the extension,
continuation, renewal, or modification of any Federal contract, grant, loan, or cooperative agreement.

 

(2)
If any funds other than Federal appropriated funds have been paid or will be paid to any person for influencing or attempting
to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee
of a Member of Congress in connection with this Federal loan, the undersigned shall complete and submit Standard Form LLL,
“Disclosure Form to Report Lobbying,” in accordance with its instructions.

 

(3)
The undersigned shall require that the language of this certification be included in the award documents for all sub-awards
at all tiers (including subcontracts, sub-grants, and contracts under grants, loans, and co-operative agreements) and that
all sub-recipients shall certify and disclose accordingly.

 

This
certification is a material representation of fact upon which reliance was placed when this transaction was made or entered into.
Submission of this certification is a prerequisite for making or entering into this transaction imposed by Section 1352, Title
31, U.S. Code. Any person who fails to file the required certification shall be subject to a civil penalty of not less than $10,000.00
and not more than $100,000.00 for each such failure.

 

    	
	Page 9 of 11	

	SBA Form 1391 (5-00)	 	

     

    

 

		This Statement of Policy is Posted

                                                                 

                                                                In Accordance with Regulations of the

                                                                 

                                                                Small
                                         Business Administration

                                                                 

                                                                This Organization Practices
	 

  

Equal
Employment Opportunity

 

We
do not discriminate on the ground of race, color, religion, sex, age, disability or national origin in the hiring, retention,
or promotion of employees; nor in determining their rank, or the compensation or fringe benefits paid them.

 

This
Organization Practices

 

Equal
Treatment of Clients

 

We
do not discriminate on the basis of race, color, religion, sex, marital status, disability, age or national origin in services
or accommodations offered or provided to our employees, clients or guests.

 

These
policies and this notice comply with regulations of the

United
States Government.

 

Please
report violations of this policy to:

 

	 	Administrator
	 	Small Business Administration

                                Washington, D.C. 20416

  

In
order for the public and your employees to know their rights under 13 C.F.R Parts 112, 113, and 117, Small Business Administration
Regulations, and to conform with the directions of the Administrator of SBA, this poster must be displayed where it is clearly
visible to employees, applicants for employment, and the public.

 

Failure
to display the poster as required in accordance with SBA Regulations may be considered evidence of noncompliance and subject
you to the penalties contained in those Regulations.

 

 

 

	SBA FORM 722 (10-02) REF: SOP 9030 PREVIOUS EDITIONS
    ARE OBSOLETE 

    This form was electronically produced by Elite Federal Inc.	U.S. GOVERNMENT
    PRINTING OFFICE: 1994 0- 153-346
	 

 

    	
	Page 10 of 11	

     

    

 

		
        Esta Declaración De Principios
        Se Publica

         

        De Acuerdo Con Los Reglamentos De La

         

        Agencia Federal Para el Desarrollo de la
        Pequeña Empresa
	 

 

Esta
Organización Practica

 

Igual
Oportunidad De Empleo

 

No
discriminamos por razón de raza, color, religión, sexo, edad, discapacidad o nacionalidad en el empleo, retención
o ascenso de personal ni en la determinación de sus posiciones, salarios o beneficios marginales.

 

Esta
Organización Practica

 

Igualdad
En El Trato A Su Clientela

 

No
discriminamos por razón de raza, color, religión, sexo, estado civil, edad, discapacidad o nacionalidad en los servicios
o facilidades provistos para nuestros empleados, clientes o visitantes.

 

Estos
principios y este aviso cumplen con los reglamentos del Gobierno de los Estados Unidos de América.

 

Favor
de informar violaciones a lo aquí indicado a:

 

	 	Administrador
	 	Agencia Federal Para el Desarrollo de la Pequeña Empresa
	 	Washington, D.C. 20416

  

A
fin de que el público y sus empleados conozcan sus derechos según lo expresado en las Secciones 112, 113 y 117
del Código de Regulaciaones Federales No. 13, de los Reglamentos de la Agencja Federal Para el Desarrollo de la
Pequeña Empresa y de acuerdo con las instrucciones del Administrador de dicha agencia, esta notificación debe
fijarse en un lugar claramente visible para los empleados, solicitantes de empleo y público en general. No fijar esta
notificación según lo requerido por los reglamentos de la Agencia Federal Para el Desarrollo de la
Pequeña Empresa, puede ser interpretado como evidencia de falta de cumplimiento de los mismos y conllevará la
ejecución de los castigos impuestos en estos reglamentos.

 

 

 

 

 

	SBA FORM 722 (10-02) REF: SOP 9030 PREVIOUS EDITIONS
    ARE OBSOLETE 

    This form was electronically produced by Elite Federal Inc.	U.S. GOVERNMENT
    PRINTING OFFICE: 1994 0- 153-346
	 

  

Page 11 of 11

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