Document:

Exhibit 4.13

 

Second Extension to the Cooperation
Agreement

 

This second Extension to the Cooperation
Agreement (hereinafter the “Second Extension”) is entered into on November 29th, 2019 by
and between:

 

Banco de Chile (“Banco
de Chile”), a public company validly incorporated and existing in accordance with the laws of the Republic of Chile,
and 

 

Citigroup Inc. (“Citigroup”),
a company duly incorporated and validly existing in accordance with the laws of the State of Delaware, United States of America;
Banco de Chile and Citigroup, jointly referred to as the “Parties”, and individually, each a “Party”.

 

BACKGROUND

 

I.- On October 22, 2015, the Parties
entered into a Cooperation Agreement, effective as of January 1st, 2016 (the “Cooperation Agreement”)
for the purpose of, among other things, regulating certain common aspects of the direct relationship between Banco de Chile and
its subsidiaries, on the one hand, and Citigroup and its subsidiaries, on the other hand, in accordance with certain contracts
between the Parties, namely, the Global Connectivity Agreement (the “Connectivity Agreement”) and the Trademark
License Agreement (“TMLA”), both of them executed on October 22nd, 2015 and effective as of
January 1st, 2016 (both agreements, along with the Cooperation Agreement, referred to as the “Relevant
Contracts”), and the Master Services Agreement dated January 26th, 2017 and effective as of January 1st,
2017 (“MSA”).

 

II.- On August 24th, 2017, the
Parties entered into an Extension to the Cooperation Agreement pursuant to which the term of the Relevant Contracts and the MSA
was extended for a period of two years starting from January 1st, 2018, this is, until January 1st, 2020,
and the Parties shall be entitled to extend the term thereof as established in the Cooperation Agreement.

 

III.- On August 30th, 2019,
the Parties entered into an Amendment to the Cooperation Agreement whereby they agreed to extend the anticipation term provided
in Clause Sixth of the Cooperation Agreement in order to agree on the extension of the Relevant Contracts and the MSA from August
31st, 2019 to November 30th, 2019, in order to revise that their provisions are adjusted to the requirements
set out by Article 147 of Law 18,046 (Corporations Law).

 

The Parties have agreed (i) to extend the
Cooperation Agreement under the terms set forth below and (ii) to sign an Amended and Restated Trademark License Agreement (“New
TMLA”) and an Amended and Restated Master Services Agreement (“New MSA”).

 

THEREFORE, and pursuant to
the foregoing, terms and conditions established herein and other valuable considerations received by both Parties, the receipt
of which is hereby acknowledged by the Parties hereunder, and in order that the Parties be legally bound by the agreements defined
herein, the Parties agree as follows:

 

    Page 1 of 2

     

    

 

SECTIONS

 

First. Definitions. All
capitalized terms used, but not expressly defined, herein shall have the meanings given to them in the Cooperation Agreement.

 

Second. Relevant Contracts. The
Parties agree to, starting from the effective date of this Second Extension, the New TMLA and the New MSA (i) modify and replace
in its integrity the TMLA and the MSA and (ii) consider the New TMLA as one of the Relevant Contracts, along with the Connectivity
Agreement and Cooperation Agreement. 

 

Third. Extension. As
provided for in section Six of the Cooperation Agreement, the Parties agree to extend the Relevant Contracts and the New MSA for
a period of two years as from January 1st, 2020 until January 1st, 2022.  Moreover, the Parties
agree that they may continue extending the Relevant Contracts and the New MSA in accordance with the extension procedure and the
terms established in Section Six of the Cooperation Agreement as many times as the Parties agree. In default thereof, the
Relevant Contracts and the New MSA shall be extended on a one-time basis for a period of one (1) year from January 1st,
2022 until January 1st, 2023, on which date they shall automatically expire, without further formalities.

 

Moreover, it is hereby placed on record
that the third and fourth paragraphs of section Six of the Cooperation Agreement remain unchanged.

 

Fourth: Effective
Term. This Extension shall be effective from January 1st, 2020 and upon receipt of a counterpart thereof
by electronic mail duly signed by each Party.

 

Fifth: Scope.
All those provisions of the Cooperation Agreement not modified by this instrument shall remain in full force and effect.

 

Sixth: Applicable
Law and Jurisdiction. The Parties agree that section Seven letter (n) “Applicable Law and Jurisdiction”
of the Cooperation Agreement applies to this Amendment.

 

Seventh: Counterparts. This
Second Extension may be subscribed in any number of counterparts, each of which shall be considered as an original, and shall have
the same effects as if the signatures contained in them had been affixed in the same instrument, but each and each one of such
counterparts shall jointly constitute one and the same instrument.

 

IN WITNESS WHEREOF, the Parties
have hereby signed this Amendment through their duly authorized representatives on the date indicated ut supra.

 

	 	CITIGROUP INC.
	 	 
	 	By:	/s/ Ernesto Torres Cantú
	 	 	Ernesto Torres Cantú
	 	 	CEO, Latin America

 

	 	BANCO DE CHILE
	 	 
	 	By:	/s/ Eduardo Ebensperger Orrego
	 	 	Eduardo Ebensperger Orrego
	 	 	CEO Banco de Chile

 

 

Page 2 of 2Exhibit 10.1

 

U.S.
Small Business Administration

 

Note

 

	SBA Loan#	 	55036871-02
	BOKF Loan#	 	3605027
	SBA Loan Name	 	SBPP – SBA Paycheck Protection Program
	Date	 	April 15, 2020
	Loan Amount	 	$10,000,000.00
	Interest Rate	 	1.00%
	Maturity Date	 	April 15, 2022
	Borrower	 	EVO Transportation & Energy Services, Inc.
	Lender	 	BOKF, NA dba Bank of Oklahoma

 

1. PROMISE TO PAY:

 

In return for the Loan, Borrower promises
to pay to the order of Lender the amount of $10,000,000.00, all accrued interest on the unpaid principal balance, and all other
amounts required by this Note.

 

2. DEFINITIONS:

 

“Loan” means the loan evidenced
by this Note.

 

“Loan Documents” means this
Note and all other documents, agreements, certificates, instruments and acknowledgements evidencing and/or related to the Loan.

 

“SBA” means the Small Business
Administration, an Agency of the United States of America.

 

3. PAYMENT TERMS:

 

Borrower must make all payments at the
place Lender designates. The payment terms for this Note are:

 

The interest rate is 1.000% per year. The
interest rate may only be changed in accordance with SOP 50 10.

 

From the date hereof (“Effective
Date”) to the date that is six (6) months from the Effective Date, and so long as no Default has occurred and is continuing,
no payments of principal or interest will be required under this Note. Notwithstanding the foregoing payment deferral, interest
shall accrue on the Loan from the Effective Date through the date the Loan is paid in full or fully forgiven in accordance with
the provisions hereof.

 

Commencing with the payment due on the
date that is seven (7) months from the Effective Date (the “Payment Commencement Date”), and continuing on the same
day of each month thereafter, Borrower will pay this Loan in consecutive monthly payments of principal and interest, with each
payment equal to the “Payment Amount” (defined below). On the Maturity Date, Borrower shall pay the remaining balance
of principal and all accrued interest and other amounts due hereunder in full.

 

     

     

    

 

The “Payment Amount” shall
be an amount determined by Lender on the Payment Commencement Date, and shall be equal to the total outstanding amount of principal
and accrued interest hereunder on such date, amortized over a period of eighteen (18) months at the interest rate of 1.000% per
annum.

 

Lender will apply each payment first to
pay interest accrued to the day Lender receives the payment, then to bring principal current, then to pay any late fees or other
expenses, and will apply any remaining balance to reduce principal.

 

PAYMENTS SHOULD BE REMITTED TO: BOKF, NA
dba Bank of Oklahoma, P.O. Box 248818, Oklahoma City, OK 73124-8818. If a payment is made consistent with the written payment instructions
provided by Lender and received on a business day by 5:00 p.m. local time, the payment will be applied that day. If a payment is
received on a business day after 5:00 p.m., the payment may be applied the following business day.

 

Late Charge; Default Interest: If
a payment on this Note is more than 15 days late, Lender may charge Borrower a late fee of up to 5.00% of the unpaid portion of
the regularly scheduled payment. If any Default shall occur, the interest rate on the Loan may, in Lender’s sole discretion,
be increased to an amount equal to the stated Interest Rate plus ten percent (10%) per annum.

 

4. DEFAULT: Borrower
is in default (“Default”) under this Note if Borrower does not make any payment when due under this Note, or if Borrower:

 

a. Fails to do anything
required by this Note and other Loan Documents;

 

b. Defaults on any other
loan with Lender;

 

c. Does not disclose,
or anyone acting on their behalf does not disclose, any material fact to Lender or SBA;

 

d. Makes, or anyone acting
on their behalf makes, a materially false or misleading representation to Lender or SBA (whether in any Loan Document, any application
or submission in regards to the Loan or the PPP (defined below) or otherwise);

 

e. Defaults on any loan
or agreement with another creditor, if Lender believes the default may materially affect Borrower’s ability to pay this Note;

 

f. Fails to pay any taxes
when due;

 

g. Becomes the subject
of a proceeding under any bankruptcy or insolvency law;

 

h. Has a receiver or
liquidator appointed for any part of their business or property;

 

i. Makes an assignment
for the benefit of creditors;

 

j. Has any adverse change
in financial condition or business operation that Lender believes may materially affect Borrower’s ability to pay this Note;

 

k. Reorganizes, merges,
consolidates, or otherwise changes ownership or business structure without Lender’s prior written consent; or

 

l. Becomes the subject
of a civil or criminal action that Lender believes may materially affect Borrower’s ability to pay this Note.

 

5. LENDER’S
RIGHTS IF THERE IS A DEFAULT: Without notice or demand and without giving up any of its rights, Lender may:

 

a. Require immediate
payment of all amounts owing under this Note and the other Loan Documents;

 

b. Collect all amounts
owing from any Borrower, including any default interest;

 

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c. File suit and obtain
judgment; or

 

d. Take any other action
permitted by law, in equity or otherwise.

 

6. LENDER’S
GENERAL POWERS: Without notice and without Borrower’s consent, Lender may take the following action (which is not an
exhausted list of Lender’s general power):

 

a. Incur expenses and
other costs to collect amounts due under this Note, and enforce the terms of this Note or any other Loan Document. Among other
things, the expenses may include reasonable attorney’s fees and costs. If Lender incurs such expenses, Borrower shall pay
such amounts to Lender within five (5) days after written demand. Any such costs, expenses or other amounts shall be added to the
indebtedness evidenced by this Note;

 

b. Release anyone obligated
to pay this Note; and

 

c. Take any action necessary
to collect amounts owing on this Note.

 

7. RIGHT TO SEEK LOAN
FORGIVENESS. In accordance with the provisions of the PPP loan program, Borrower may apply for forgiveness of all or a portion
of the Loan which was used by Borrower, during the eight (8) week period from the initial disbursement of the Loan, to pay (i)
eligible payroll costs, (ii) payment of interest on a mortgage obligation incurred before February 15, 2020 (but excluding any
principal payments); (iii) payment of rent obligations under leases dated before February 15, 2020; and (iv) payments of utility
obligations under service agreements dated before February 15, 2020, provided, at least seventy-five percent (75%) of the forgivable
amount must be used for payroll costs. As a material inducement to Lender making the Loan, Borrower acknowledges and agrees that
neither Lender nor any of its employees, officers, directors, shareholders, agents, representatives and attorneys has made any
promises or assurances that the Loan (or any portion thereof) will be forgiven and Borrower completely and unconditionally accepts
all risks as to whether the Loan (or any portion thereof) may actually be forgiven under the CARES Act, the PPP or otherwise and
unconditionally and irrevocably waives any and all rights, claims and causes of action against Lender and its employees, officers,
directors, shareholders, agents, representatives and attorneys in connection therewith (whether existing now or in the future and
whether under law, in equity or otherwise). Borrower is directed to the CARES Act (defined below), the PPP and all rules or guidance
issued therewith for a detailed breakdown of eligible expenses and payments and a complete list of all requirements and conditions
to request Loan forgiveness. To be eligible for consideration for Loan forgiveness, the Borrower must submit all required evidence
and written documentation as well as a Borrower’s attestation of such payments as required under the PPP and all rules or
guidance issued therewith and such other documents as may otherwise be requested by Lender to process and consider Borrower’s
request for Loan forgiveness. The decision to forgive or not forgive all or any portion of the Loan shall be made by the Lender
in its sole discretion.

 

8. WHEN FEDERAL LAW
APPLIES: When SBA is the holder, this Note will be interpreted and enforced under federal law, including SBA regulations. Lender
or SBA may use state or local procedures for filing papers, recording documents, giving notice, foreclosing liens, and other purposes.
By using such procedures, SBA does not waive any federal immunity from state or local control, penalty, tax, or liability. As to
this Note, Borrower may not claim or assert against SBA any local or state law to deny any obligation, defeat any claim of SBA,
or preempt federal law.

 

When Lender is the holder, this Note will
be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the laws of the State of Oklahoma
without regard to its conflicts of law provisions. This Note has been accepted by Lender in the State of Oklahoma. If there is
a lawsuit, Borrower agrees upon Lender’s request to submit to the jurisdiction of the courts of Tulsa County, State of Oklahoma.

 

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9. SUCCESSORS AND
ASSIGNS: Under this Note, Borrower includes its successors, and Lender includes its successors and assigns (including, without
limitation, the SBA). Borrower may not assign this Note or any other Loan Document (whether directly, indirectly, by operation
of law or otherwise) without Lender’s prior written consent.

 

10. REPRESENTATIONS
AND WARRANTIES. Borrower hereby represents and warrants to the Lender that: (a) it possesses all requisite power and authority
to execute, deliver and comply with the terms of this Note and the other Loan Documents to which it is a party; (b) this Note and
the other Loan Documents have been duly authorized and approved by all requisite corporate or other action on the part of the Borrower;
(c) no additional consent of any other entity or person (other than the Lender) is required for this Note and the other Loan Documents
to be effective; (d) the execution and delivery of this Note and the other Loan Documents do not violate the constituent organizational
governance documents of Borrower, or any other contract or agreement to which Borrower or any of its assets is subject; (e) the
representations and warranties contained in the Loan application and the Loan Documents are true and correct in all material respects
on and as of the Effective Date and on the date of disbursement of the Loan; and (f) Borrower is in full compliance with all covenants
and agreements applicable to it as contained in this Note and each other Loan Document. The representations and warranties made
in this Note and each other Loan Document shall survive the execution and delivery hereof.

 

11. GENERAL PROVISIONS:

 

a. Borrower waives all
suretyship defenses.

 

b. Borrower must sign
all documents necessary at any time to comply with the Loan Documents. Borrower agrees to provide Lender with such additional information
and documentation and take such other action as may be requested by Lender from time to time during the Loan to assure and confirm
the rights created (or intended now or hereafter to be created) under this Note and the other Loan Documents or for carrying out
the intention or facilitating the performance of the terms of this Note or any Loan Document.

 

c. Lender may exercise
any of its rights separately or together, as many times and in any order it chooses. Lender may delay or forgo enforcing any of
its rights without giving up or waiving any of them. Any waiver, forbearance or modification may only be made by a written document
expressly signed by Lender and only to the extent set forth therein.

 

d. Borrower may not use
an oral statement of Lender or SBA to contradict or alter the written terms of this Note.

 

e. If any part of this
Note is unenforceable, all other parts remain in effect.

 

f. Borrower covenants
and agrees to comply with all rules, regulations and requirements of the PPP and all rules, guidance and regulations therewith
whether existing now or in the future including, without limitation, as to the use of Loan proceeds, document retention and submission
and compliance requirements. This Loan is a business loan and has been made by the Lender, and accepted by Borrower, in accordance
with the PPP and all rules, guidance and regulations therewith.

 

g. To the extent allowed
by law, Borrower waives all demand and notices in connection with this Note, including presentment, demand, protest, and notice
of dishonor. Borrower also waives any defenses based upon any claim that Lender did not obtain any guarantee; or that all or any
portion of this Loan is not subject to forgiveness.

 

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h. In consideration of
the Lender’s extension of the Loan to the Borrower, and other agreements and considerations the adequacy and sufficiency
of which are hereby acknowledged, Borrower hereby agrees to indemnify, defend and hold Lender and its employees, officers, directors,
shareholders, agents, representatives and attorneys harmless from and against all claims, costs, expenses, fees (including, without
limitation, attorneys’ fees and expenses), liabilities, claims, damages, losses, actions and causes of action arising from,
related to or suffered by Lender in connection with the Loan, Borrower’s use of the proceeds of the Loan, the relationship
of Borrower and Lender, or any transaction contemplated by this Note or any other Loan Document (including, without limitation,
Borrower’s request for full or partial Loan forgiveness as provided herein).

 

i. If the interest or
charges in the nature of interest, if any, provided for by this Note or by any other Loan Document, contravenes a legal or statutory
limitation applicable to the Loan, if any, Borrower will pay only such amounts as legally permitted; provided, however, that if
the defense of usury and all similar defenses are unavailable to Borrower, Borrower will pay all amounts provided for in this Note
and in the other Loan Documents. If, for any reason, amounts in excess of the amounts permitted in the preceding sentence have
been paid, received, collected or applied to this Note, whether by reason of acceleration or otherwise, then, and in that event,
any such excess amounts will be applied to principal, unless principal has been fully paid, in which event such excess amount will
be refunded to Borrower.

 

j. Time is of the essence
hereof with respect to the dates, terms and conditions of this Note and the other Loan Documents.

 

k. Borrower acknowledges
that in executing this Note, Borrower is not relying on, and has not relied on, any representation or statement (whether written
or oral) by Lender or any of its affiliates, employees, officers, agents or representatives including, without limitation, respecting
the benefits of, and Borrower’s choice of, participating in the PPP, Borrower’s ability to receive loan forgiveness
under the PPP or any other requirements or benefits of the PPP. Borrower further acknowledges that this Note and the other Loan
Documents may only be amended or modified, or the provisions hereof or thereof waived or supplemented, by an instrument in writing
signed by the Borrower and Lender.

 

l. THIS NOTE AND THE
OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT AMONG THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS,
OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS AMONG THE PARTIES.

 

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12. EXECUTION/EFFECTIVENESS.
Delivery of an executed counterpart of a signature page of this Note and any other Loan Document by telecopy, emailed pdf., tif.
or any other electronic means that reproduces an image of the actual executed signature page shall be effective as delivery of
a manually executed counterpart of this Note and such other Loan Documents. The words “execution,” “signed,”
“signature,” “delivery,” and words of like import in or relating to any document to be signed in connection
with this Note, the other Loan Documents and the transactions contemplated hereby and thereby shall be deemed to include Electronic
Signatures, deliveries or the keeping of records in electronic form, each of which shall be of the same legal effect, validity
or enforceability as a manually executed signature, physical delivery thereof or the use of a paper-based recordkeeping system,
as the case may be, to the extent and as provided for in any applicable law, including the Federal Electronic Signatures in Global
and National Commerce Act, the New York State Electronic Signatures and Records Act, or any other similar state laws based on the
Uniform Electronic Transactions Act. Upon the written request of Lender, Borrower shall promptly deliver to Lender an original
manually executed original of this Note and such other Loan Documents and Borrower’s failure to provide such original signatures
in a reasonable period of time (as determined by Lender in its discretion) shall constitute a Default hereunder. For purposes hereof,
an “Electronic Signature” means an electronic sound, symbol, or process attached to, or associated with, a contract
or other record and adopted by a person with the intent to sign, authenticate or accept such contract or record.

 

Lender is making this loan pursuant
to the Paycheck Protection Program (the “PPP”) created by Section 1102 of the Coronavirus Aid, Relief, and Economic
Security Act (the “CARES Act”) and governed by the CARES Act, section 7(a)(36) of the Small Business Act, any rules
or guidance that has been issued by the Small Business Administration implementing the PPP, or any other applicable Loan Program
Requirements, as defined in 13 CFR § 120.10, as amended from time to time (collectively “PPP Loan Program Requirements”).
Notwithstanding anything to the contrary herein, the Borrower (a) agrees that this Promissory Note shall be interpreted and construed
to be consistent with the PPP Loan Program Requirements and (b) authorizes the Lender to unilaterally amend any provision of this
Promissory Note to the extent required to comply with the PPP Loan Program Requirements.

 

BORROWER’S NAME(S) AND SIGNATURES(S):

 

By signing below, each individual or entity
executing this Note is attesting to his/her/their authority to execute this Note on behalf of the Borrower and bind the Borrower
hereunder. As of the date hereof, the Borrower is fully obligated under this Note for all intents and purposes hereof.

 

	BORROWER:	 
	 	 
	EVO Transportation & Energy Services, Inc.	 
	 	 	 
	X	/s/ Thomas J. Abood	 
	BY	Thomas J. Abood, Chief Executive Officer	 

 

 

6

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