Document:

Payoff Letter for the Revolving Credit, Term Loan and Security Agreement

 Exhibit 10(jjjjj) 
 August 3, 2006 
 Mr. Shawkat Raslan 
 Access Worldwide Communications, Inc. 
 4950 Communications Avenue, #300 
 Boca Raton, Florida 33431 
  

	 	Re:	Revolving Credit, Term Loan and Security Agreement dated as of June 10, 2003, by and between Access Worldwide Communications, Inc., Ash Creek, Inc., AWWC New Jersey Holdings, Inc.,
Telemanagement Services, Inc. and TLM Holdings Corp. (“Borrowers”), the Lenders party thereto and CAPITALSOURCE FINANCE LLC, as Agent for the Lenders (the “Agent”) (as amended, supplemented or otherwise
modified to date, the “Loan Agreement”) 

 Ladies and Gentlemen: 
 Reference is hereby made to the Loan Agreement described above. Capitalized terms used but not defined herein shall have the meanings given them in the
Loan Agreement. 
 Borrowers have advised Agent and Lenders that Borrowers will, on or prior to 4:00 p.m. (eastern time) on August 3, 2006
(such date and time, the “Payoff Deadline”) complete the sale of Telemanagement Services, Inc. (the “Sale”) and will deposit in the Concentration Account (account information listed below), the net proceeds from such Sale.

 Bank: 
 Account: 
 ABA: 
 Account Name: 
 Ref: 
 Borrowers hereby authorize Agent, upon receipt of good funds in the amount of such net proceeds in the Concentration
Account, to pay to itself on its own behalf and on behalf of the Lenders, the aggregate amount set forth as the “Total Payoff Amount” on Schedule 1 hereto (the “Payoff Amount”). The Payoff Amount assumes that no new
Advances have been made, and no new collections have been received by Agent or Lenders under the Loan Agreement since the date of issuance of this letter agreement and prior to the Payoff Deadline. 
 Borrowers hereby acknowledge and agree that if the net proceeds from the Sale are not remitted to Agent to the Lockbox Account or are not received by
Agent in the Concentration Account by the Payoff Deadline, the Payoff Amount set forth in this letter agreement shall have no force or effect, Agent and Lenders shall not be bound hereby and Borrowers shall not be entitled to rely hereon.

 Upon Agent’s receipt of the Payoff Amount in immediately available funds prior to the Payoff Deadline and receipt by Agent of a copy
of this letter agreement executed by Borrowers: (i) all amounts (other than Continuing Obligations and Indemnity Obligations (defined below)) then owing to Agent and Lenders under the Loan Documents shall have been paid in full, (ii) the Loan
Documents shall be terminated except to the extent provisions therein survive termination by their terms; (iii) all security 

 Access Worldwide 
 August 2,
2006 
 interests and liens granted to Agent in all collateral of Borrowers pursuant to the Loan Documents shall terminate; (iv) Agent and Lenders authorize
Borrowers to prepare and file any and all releases and terminations necessary to terminate any and all UCC financing statements or other Security Documents filed against Borrowers by or on behalf of Agent and Lenders, and Agent and Lenders agree to
promptly execute all reasonable and customary lien releases to give effect thereto upon Borrowers’ written request; (v) Agent and Lenders hereby agree to promptly deliver to the Lockbox Bank and any depository institution with which a control
agreement is in effect written notice of termination of the Lockbox Agreement, the Lockbox Account and control account arrangements contemplated thereby; and (vi) any amount of net proceeds of the Sale in excess of the Payoff Amount received by
Agent in the Concentration Account shall be remitted to Borrowers. 
 Notwithstanding anything to the contrary contained herein, neither
Borrowers nor any Guarantor is released from, and each of them hereby ratifies and confirms their continuing liability to Agent and Lenders for the indefeasible payment and satisfaction in full of the following (collectively, “Continuing
Obligations”): (i) any and all indemnity obligations under any of the Loan Documents not yet due and payable and which by their terms survive the termination of the Loan Documents (collectively, the “Indemnity
Obligations”); (ii) interest (at the interest rate provided for in the Loan Agreement) upon all amounts owed to Agent and Lenders in respect of the Continuing Obligations, which interest shall accrue from the date on which each such amount
is due under the terms of the Loan Documents as in effect immediately prior to the effectiveness hereof, until Agent has received full and final payment thereof in immediately available funds; (iii) all obligations of Borrowers and any Guarantor to
Agent and Lenders under this letter agreement; (iv) any reasonable costs and expenses incurred by Agent and Lenders, including without limitation reasonable attorneys’ fees and legal expenses, in connection with the termination of the Loan
Documents and the Liens thereunder; and (v) any additional charges, fees or expenses for which Borrowers are obligated to Agent and Lenders not included in the Payoff Amount which are subsequently discovered by Agent and Lenders. In the event any
payment made to, or other amount or value received by, Agent or any Lender from or for the account of Borrowers is avoided, rescinded, set aside or must otherwise be returned or repaid by Agent or any Lender whether in any bankruptcy,
reorganization, insolvency or similar proceeding involving any Borrower, any of its subsidiaries or otherwise, the indebtedness intended to be repaid thereby shall be reinstated (without any further action by any party) and shall be enforceable
against Borrowers and their successors and assigns. In such event, Borrowers shall, be and remain liable to Agent and Lenders for the amount so repaid or recovered to the same extent as if such amount had never originally been received by Agent and
Lenders with interest accruing thereon from and after the date such amount is so repaid or recovered. 
 By execution of this letter
agreement, Borrowers and Guarantor acknowledge and confirm that they do not have any offsets, defenses, recoupments or claims against the Agent or any Lender, or any of the Agent’s or any Lender’s parent company, present and former
affiliates and subsidiaries, predecessors in interest, present and former officers, agents, directors, attorneys and employees, and the respective heirs, executors, successors and assigns of all of the foregoing, whether past, present or future
(collectively with Agent and Lenders, the “Lender Affiliates”), whether asserted or unasserted. To the extent that they may have such offsets, defenses, recoupments or claims, the Borrowers and Guarantor and each of their
successors, assigns, affiliates, predecessors, employees, agents, heirs, executors, shareholders and subsidiaries, whether past present or future (collectively with Borrowers and Guarantor, the “Borrowers Affiliates”) as applicable,
jointly and severally, release and forever discharge the Agent and Lenders and the Lender Affiliates, of and from any and all manner of action and actions, cause and causes of action, suits, debts, torts, controversies, damages, judgments,
executions, recoupments, claims and 

 Access Worldwide 
 August 2,
2006 
 demands whatsoever, asserted or unasserted, in law or in equity which, against the Agent, any Lender and/or the Lender Affiliates, they ever had,
now have or which Borrowers Affiliates ever had or now has, upon or by reason of any matter, cause, causes or thing whatsoever, including, without limitation, any presently existing claim, recoupment or defense, whether or not presently suspected,
contemplated or anticipated. 
 From and after the date of Agent’s receipt of the Pay-Off Amount, Borrowers hereby irrevocably
direct Agent, and Agent agrees, to forward periodically to Borrowers, pursuant to the instructions listed below (the “Borrowers’ Account”) any collected funds (net of any wire transfer or other fees or expenses of Agent
associated therewith and any indemnification amounts described below or any other Continuing Obligations) received by Agent from Borrowers’ Lockbox Accounts in effect pursuant to the Loan Documents on the date hereof and prior to giving effect
hereto. In consideration of the foregoing, Borrowers agree to indemnify and hold harmless Agent and Lender from and against any (i) returned or charged-back items, (ii) reversals or cancellations of payment orders or other electronic fund transfers
and (iii) overdrafts resulting from adjustments or corrections of previous charges or postings, to the extent that such actions occur with respect to funds transferred to Borrowers pursuant to this paragraph. Agent shall transfer any funds pursuant
to this paragraph to Borrowers pursuant to the following instructions: 
  

					
	 Bank Name:
	 	  
	 	
	 City & State:
	 	  
	 	
	 ABA Routing No.:
	 	  
	 	
	 Account No.:
	 	  
	 	
	 Reference:
	 	  
	 	

 Borrowers represent and warrant that (i) they are represented by legal counsel of their choice,
are fully aware of the terms and contained in this letter agreement and has voluntarily and without coercion or duress of any kind entered into this letter agreement and documents executed in connection with this letter agreement or (ii) they have
knowingly and intentionally waived their right to have legal counsel of their choice review and represent them with respect to the negotiation and preparation of this letter agreement. 
 This letter agreement shall be governed by, and construed in accordance with, the laws of the State of Maryland, without reference to the conflicts or
choice of law principles thereof. This letter agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, and by facsimile, each of which when so executed shall be deemed to be an original and
all of which taken together shall constitute one and the same letter agreement. 
 [Remainder of page intentionally left blank.] 

 Access Worldwide 
 August 2,
2006 
 Please acknowledge your receipt of and agreement to the terms and conditions set forth in this letter agreement by executing a copy
of this letter agreement in the appropriate space indicated below and returning it to Agent via fax. 
  

			
	 Very truly yours,

	
	 CAPITALSOURCE FINANCE LLC, as Agent for the
 Lenders

		
	 By:
	 	  

	 Name:
	 	  

	 Title:
	 	  

 ACKNOWLEDGED AND AGREED TO 
 this          day of August, 2006: 
  

			
	 BORROWERS:

	
	ACCESS WORLDWIDE COMMUNICATIONS, INC.
		
	 By:
	 	  

	 Name:
	 	  

	 Title:
	 	  

	
	 ASH CREEK, INC.

		
	 By:
	 	  

	 Name:
	 	  

	 Title:
	 	  

	
	 AWWC NEW JERSEY HOLDINGS, INC.

		
	 By:
	 	  

	 Name:
	 	  

	 Title:
	 	  

 Access Worldwide 
 August 2,
2006 
  

			
	TELEMANAGEMENT SERVICES, INC.
		
	 By:
	 	  

	 Name:
	 	  

	 Title:
	 	  

	
	TLM HOLDINGS CORP.
		
	 By:
	 	  

	 Name:
	 	  

	 Title:
	 	  

	
	  

	SHAWKAT RASLAN, individually as a Guarantor

 Schedule 1 
 Payoff Amount 
  

			
	Outstanding Principal (Exclusive of Letters of Credit)	  	
		
	105% of Outstanding Letters of Credit	  	
		
	Accrued and Unpaid interest (through Payoff Deadline)	  	
		
	Accrued and Unpaid Collateral Management Fee (through Payoff Deadline)	  	
		
	Accrued and Unpaid Unused Line Fee (through Payoff Deadline)	  	
		
	Legal Fees and Expenses (through Payoff Deadline)	  	
		
	Early Termination Fee	  	
		
	Holdback Reserve	  	
		
	Total Payoff Amount:Third Supplemental Indenture

 EXHIBIT 4.1 
 HEXION U.S. FINANCE CORP. 
 HEXION NOVA SCOTIA FINANCE, ULC 
 THE GUARANTORS SIGNATORY HERETO 
 AND

 WILMINGTON TRUST COMPANY 
 as Trustee 
  

 SUPPLEMENTAL INDENTURE 
 Dated as of October 26, 2006 
 to 
 Indenture 
 Dated as of May 20, 2005 
 Second-Priority Senior Secured Floating Rate Notes due
2010 

 THIS THIRD SUPPLEMENTAL INDENTURE, dated as of October 26, 2006 (this
“Supplemental Indenture”), is by and between Hexion U.S. Finance Corp. (formerly known as BCI U.S. Finance Corp.), a Delaware corporation (“Hexion U.S. Finance”), Hexion Nova Scotia Finance, ULC (formerly
known as Borden 2 Nova Scotia Finance, ULC), a Nova Scotia unlimited liability company (“Hexion Nova Scotia” and, together with Hexion, the “Issuers”), the Guarantors and Wilmington Trust Company, as trustee (the
“Trustee”). 
 WHEREAS, the Issuers and the Trustee have entered into that certain Indenture dated as of May 20,
2005, (as amended by the First Supplemental Indenture dated as of May 31, 2005, and the Second Supplemental Indenture dated as of December 23, 2005, the “Indenture”), providing for the issuance of Second-Priority Senior
Secured Floating Rate Notes due 2010 (the “Notes”); 
 WHEREAS, the Issuers originally issued $150 million aggregate
principal amount of the Notes; 
 WHEREAS, Section 9.02 of the Indenture provides that the Indenture may be amended with the consent of
the Holders of two thirds in principal amount of the Notes then outstanding (including without limitation, consents obtained in connection with a purchase of, or tender offer or exchange offer for, Notes) (subject to certain exceptions); 

WHEREAS, the Issuers desire and have requested the Trustee to join with them in entering into this Supplemental Indenture for the purpose of amending
the Indenture in certain respects as permitted by Section 9.02 of the Indenture; 
 WHEREAS, the execution and delivery of this
Supplemental Indenture has been authorized by the Board of Directors of each Issuer and of each Guarantor; 
 WHEREAS, (1) the Issuers
have received the consent of the Holders of the entire principal amount of the outstanding Notes and have satisfied all other conditions precedent, if any, provided under the Indenture to enable the Issuers and the Trustee to enter into this
Supplemental Indenture, all as certified by an Officers’ Certificate, delivered to the Trustee simultaneously with the execution and delivery of this Supplemental Indenture as contemplated by Sections 9.02 and 9.06 of the Indenture, and
(2) the Issuers have delivered to the Trustee simultaneously with the execution and delivery of this Supplemental Indenture an Opinion of Counsel relating to this Supplemental Indenture as contemplated by Section 9.06 of the Indenture; and

 NOW, THEREFORE, in consideration of the above premises, each party hereby agrees, for the benefit of the others and for the equal and
ratable benefit of the Holders of the Notes, as follows: 
 ARTICLE I 
 DEFINITIONS 
 Section 1.1 Deletion of Definitions and Related References.
Section 1.01 of the Indenture is hereby amended to delete in their entirety all terms and their respective definitions for which all references are eliminated in the Indenture as a result of the amendments set forth in Article II of this
Supplemental Indenture. 
 ARTICLE II 
 AMENDMENTS TO INDENTURE 
 Section 2.1 Amendments to the Indenture. The Indenture is hereby
amended by: 
 (i) deleting the following sections of the Indenture and all references thereto in the Indenture in their entirety:

 Section 4.02 (Reports and Other Information) 
 Section 4.03 (Limitation on Incurrence of Indebtedness and Issuance of Disqualified Stock and Preferred Stock) 
  

 2 

 Section 4.04 (Limitation on Restricted Payments) 
 Section 4.05 (Dividend and Other Payment Restrictions Affecting Subsidiaries) 
 Section 4.06 (Asset Sales)

 Section 4.07 (Transactions with Affiliates) 
 Section 4.08 (Change of Control) 
 Section 4.09 (Compliance Certificate) 
 Section 4.10 (Further Instruments and Acts) 
 Section 4.11 (Future Guarantors) 
 Section 4.12 (Liens) 
 Section 4.13 (Maintenance of Office or
Agency) 
 Section 4.14 (Impairment of Security Interest) 
 Section 4.15 (After-Acquired Property) 
 Section 4.16 (Limitation on Indenture Restricted Subsidiaries) 
 Section 4.17 (Limitation on Issuers) 
 Sections 5.01(a)(iii),
5.01(a)(iv), 5.01(a)(v), 5.01(b)(iii), 5.01(b)(iv), 5.01(c)(iii) and 5.01(c)(iv) (Merger, Consolidation, or Sale of all or substantially all Assets) 
 Sections 6.01(c), 6.01(d), 6.01(e), 6.01(f), 6.01(g), 6.01(h), 6.01(i), 6.01(j), 6.01(k), 6.01(l) and 6.01(m) (events of default); 
 (ii) deleting all references to the Collateral in the Indenture and the Notes including, without limitation, all references to the Collateral, the Security Documents and the Collateral Agent; 
 and 
 (iii) deleting all references to
“Secured” in the title of the Indenture and from all references to the Notes in the Indenture. 
 ARTICLE III 
 MISCELLANEOUS PROVISIONS 
 Section 3.1
Indenture. Except as amended hereby, the Indenture is in all respects ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect. This Supplemental Indenture shall form a part of the
Indenture for all purposes, and every Holder of Notes heretofore or hereafter authenticated and delivered under the Indenture shall be bound by the Indenture as amended hereby. Subject to Section 13.01 of the Indenture, in the case of conflict
between the Indenture and this Supplemental Indenture, the provisions of this Supplemental Indenture shall control. 
 Section 3.2
Severability. In case any provision in this Supplemental Indenture shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.

 Section 3.3 Capitalized Terms. Capitalized terms used herein but not defined shall have the meanings assigned to them in the
Indenture. 
 Section 3.4 Effect of Headings. The Article and Section headings used herein are for convenience only and shall
not affect the construction of this Supplemental Indenture. 
 Section 3.5 Trustee Makes No Representations. The Trustee makes
no representation as to the validity or sufficiency of this Supplemental Indenture. 
 Section 3.6 Certain Duties and Responsibilities
of the Trustee. In entering into this Supplemental Indenture, the Trustee shall be entitled to the benefit of every provision of the Indenture relating to the conduct or affecting the liability or affording protection to the Trustee, whether
or not elsewhere herein so provided. 
  

 3 

 Section 3.7 Governing Law. THIS SUPPLEMENTAL INDENTURE AND THE NOTES WILL BE GOVERNED BY
AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, AS APPLIED TO CONTRACTS MADE AND PERFORMED WITHIN THE STATE OF NEW YORK, WITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF LAW. Each of the parties hereto agrees to submit to the
jurisdiction of the courts of the State of New York in any action or proceeding arising out of, or relating to, this Supplemental Indenture or the Notes. 
 Section 3.8 Counterparts. The parties may sign any number of copies of this Supplemental Indenture. Each signed copy shall be an original, but all of them together represent one and the same agreement.

 Section 3.9 Successors. All agreements of the Issuers, the Guarantors and the Trustee in this Supplemental Indenture and the
Notes shall bind their respective successors. 
 Section 3.10 Effectiveness. The provisions of Articles I and II of this
Supplemental Indenture shall be effective at the time Hexion accepts for purchase two thirds in principal amount of the outstanding Notes issued under the Indenture. 
 Section 3.11 Endorsement and Change of Form of Notes. Any Notes authenticated and delivered after the close of business on the date that this Supplemental Indenture becomes effective (i) shall be
affixed to, stamped, imprinted or otherwise legended by the Trustee, with a notation as follows: 
 “Effective as of
                    , 2006, the restrictive covenants of the Issuers and certain of the Events of Default have been eliminated, as provided in
the Third Supplemental Indenture, dated as of October 26, 2006. Reference is hereby made to said Third Supplemental Indenture, copies of which are on file with the Trustee, for a description of the amendments made therein.” 
 and (ii) shall have the text of Section 9 “Security” of such Notes deleted and replaced with the words “Not Used” and shall
have all references to the “Security Documents” and the “Intercreditor Agreement” and the word “Secured” in the title of the Notes deleted from the Notes. 
 (THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK) 
  

 4 

 IN WITNESS WHEREOF, the parties hereto have caused this Third Supplemental Indenture to be duly
executed as of the day and year written above. 
  

					
	HEXION U.S. FINANCE CORP.
		
	 By: 
	 	  
		 	 Name: 
	 	
		 	 Title: 
	 	
	
	HEXION NOVA SCOTIA FINANCE, ULC
		
	 By: 
	 	  
		 	 Name: 
	 	
		 	 Title: 
	 	
	
	HEXION SPECIALTY CHEMICALS, INC.
		
	 By: 
	 	  
		 	 Name: 
	 	
		 	 Title: 
	 	
	
	 BORDEN CHEMICAL FOUNDRY, INC.
 BORDEN CHEMICAL INTERNATIONAL, INC.
 BORDEN CHEMICAL INVESTMENTS, INC.
 HEXION CI HOLDING COMPANY (CHINA) LLC
 HSC CAPITAL CORPORATION
 LAWTER INTERNATIONAL INC.
 OILFIELD TECHNOLOGY GROUP,
INC.

		
	 By: 
	 	  
		 	 Name: 
	 	
		 	 Title: 
	 	

 (Third Supplemental Indenture to May 20, 2005 Indenture) 

					
	WILMINGTON TRUST COMPANY, as Trustee
		
	 By: 
	 	  
		 	 Name: 
	 	
		 	 Title: 
	 	

 (Third Supplemental Indenture to May 20, 2005 Indenture)

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