Document:

Exhibit

EXECUTION VERSION

SECOND AMENDMENT TO THE RECEIVABLES FINANCING AGREEMENT

This SECOND AMENDMENT TO THE RECEIVABLES FINANCING AGREEMENT (this “Amendment”), dated as of September 29, 2017, is entered into by and among the following parties:

(i)    NCR RECEIVABLES, LLC, a Delaware limited liability company, as Borrower
(together with its successors and assigns, the “Borrower”);

(ii)    NCR  CORPORATION,  a  Maryland  corporation  (the  “Servicer”),  as  initial
Servicer;

(iii)      THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., NEW YORK BRANCH, as a Committed Lender and as a Group Agent;

(iv)    VICTORY RECEIVABLES CORPORATION, as a Conduit Lender; and

(v)       PNC BANK, NATIONAL ASSOCIATION, as a Committed Lender, as a Group Agent and as the Administrative Agent (in such capacity, the “Administrative Agent”).

Capitalized  terms  used but  not  otherwise  defined  herein  (including such  terms  used above) have the respective meanings assigned thereto in the Receivables Financing Agreement described below.

BACKGROUND

1.         The parties hereto have entered into a Receivables Financing Agreement, dated as of November 21, 2014 (as amended, amended and restated, supplemented or otherwise modified through the date hereof, the “Receivables Financing Agreement”).

2.         The parties hereto desire to amend the Receivables Financing Agreement as set forth herein.

NOW, THEREFORE, with the intention of being legally bound hereby, and in consideration of the mutual undertakings expressed herein, each party to this Amendment hereby agrees as follows:

SECTION 1.   Amendments to the Receivables Financing Agreement.  The Receivables
Financing Agreement is hereby amended as follows:

(a)    The  following  new  defined  term  is  added  to  Section  1.01  of  the
Receivables Financing Agreement in appropriate alphabetical order:

“Excluded Digital Insight Receivable” means any Receivable (as defined without giving effect to the proviso in the definition thereof) originated by NCR 

that is identified in the Servicer’s accounting system with ORG code “201100037, FIN RF DIG INSIGHT SALES”.

(b)    The definition of “Receivable” set forth in Section 1.01 of the Receivables
Financing Agreement is restated in its entirety as follows:

“Receivable” means any right to payment of a monetary obligation owed to any Originator or the Borrower (as assignee of an Originator), whether constituting an account, chattel paper, payment intangible, instrument or general intangible, in each instance arising in connection with the sale of goods, for services rendered or the license of software, and includes, without limitation, the obligation to pay any finance charges, fees and other charges with respect thereto; provided, however, that “Receivable” does not include any Excluded Digital Insight Receivable. Any such right to payment arising from any one transaction, including, without limitation, any such right to payment represented by an individual invoice or agreement, shall constitute a Receivable separate from a Receivable consisting of any such right to payment arising from any other transaction.

SECTION 2.   Representations and Warranties of the Borrower and Servicer.    The Borrower and the Servicer hereby represent and warrant to each of the parties hereto as of the date hereof as follows:

(a)       Representations and Warranties.    The representations and warranties made by it in Section 6.01 or Section 6.02, as applicable, of the Receivables Financing Agreement are true and correct on and as of the date hereof unless such representations and warranties by their terms refer to an earlier date, in which case they shall be true and correct on and as of such earlier date.

(b)       Power and Authority; Due Authorization.   It (i) has all necessary power and authority to (A) execute and deliver this Amendment, the Receivables Financing Agreement and the other Transaction Documents to which it is a party and (B) perform its obligations under this Amendment, the Receivables Financing Agreement and the other Transaction Documents to which it is a party and (ii) the execution, delivery and performance of, and the consummation of the transactions provided for in, this Amendment, the Receivables Financing Agreement and the other Transaction Documents to which it is a party have been duly authorized by it by all necessary limited liability company action or corporate action, as applicable.

(c)     Binding Obligations.   This Amendment, the Receivables Financing Agreement and each of the other Transaction Documents to which it is a party constitutes its legal, valid and binding obligations, enforceable against it in accordance with their respective terms, except (i) as such enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting the enforcement of creditors’ rights generally and (ii) as such enforceability may be limited by general principles of equity, regardless of whether such enforceability is considered in a proceeding in equity or at law.

(d)       No Termination Event.  No Termination Event or Unmatured Termination Event has occurred and is continuing, and no Termination Event or Unmatured Termination Event would result from this Amendment.

SECTION 3.   Effect of Amendment; Ratification.   All provisions of the Receivables Financing Agreement and the other Transaction Documents, as expressly amended and modified by this Amendment, shall remain in full force and effect. After this Amendment becomes effective, all references in the Receivables Financing Agreement (or in any other Transaction Document) to “this Receivables Financing Agreement”, “this Agreement”, “hereof”, “herein” or words of similar effect referring to the Receivables Financing Agreement shall be deemed to be references to the Receivables Financing Agreement as amended by this Amendment. This Amendment shall not be deemed, either expressly or impliedly, to waive, amend or supplement any provision of the Receivables Financing Agreement other than as set forth herein.  The Receivables Financing Agreement, as amended by this Amendment, is hereby ratified and confirmed in all respects.

SECTION 4.   Conditions to Effectiveness.  This Amendment shall become effective as of the date hereof upon the Administrative Agent’s receipt of counterparts to this Amendment executed by each of the parties hereto.

SECTION 5.   Severability.  Any provisions of this Amendment which are prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction.

SECTION 6.   Transaction   Document.      This   Amendment   shall   be   a   Transaction
Document for purposes of the Receivables Financing Agreement.

SECTION 7.   Counterparts.    This Amendment  may  be  executed  in  any  number  of counterparts and by different parties on separate counterparts, each of which when so executed shall be deemed to be an original and all of which when taken together shall constitute but one and the same instrument.   Delivery of an executed counterpart of a signature page to this Amendment by facsimile or e-mail transmission shall be effective as delivery of a manually executed counterpart hereof.

SECTION 8.   GOVERNING LAW AND JURISDICTION.

(a)      THIS AMENDMENT, INCLUDING THE RIGHTS AND DUTIES OF THE PARTIES HERETO, SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK (INCLUDING SECTIONS 5-1401 AND 5-1402 OF THE GENERAL OBLIGATIONS LAW OF THE STATE OF NEW YORK, BUT WITHOUT REGARD TO ANY OTHER CONFLICTS OF LAW PROVISIONS THEREOF, EXCEPT  TO  THE  EXTENT  THAT  THE  PERFECTION,  THE  EFFECT  OF PERFECTION OR PRIORITY OF THE INTERESTS OF ADMINISTRATIVE AGENT OR ANY LENDER IN THE COLLATERAL IS GOVERNED BY THE LAWS OF A JURISDICTION OTHER THAN THE STATE OF NEW YORK).

(b)       EACH PARTY HERETO HEREBY IRREVOCABLY SUBMITS TO (I) WITH RESPECT  TO  THE  BORROWER  AND  THE  SERVICER,  THE  EXCLUSIVE JURISDICTION,  AND  (II)  WITH  RESPECT  TO  EACH  OF  THE  OTHER  PARTIES HERETO, THE NON-EXCLUSIVE JURISDICTION, IN EACH CASE, OF ANY NEW YORK STATE OR FEDERAL COURT SITTING IN NEW YORK CITY, NEW YORK IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AMENDMENT, AND EACH PARTY HERETO 

HEREBY IRREVOCABLY AGREES THAT ALL CLAIMS IN RESPECT OF SUCH ACTION OR PROCEEDING (I) IF BROUGHT BY THE BORROWER, THE SERVICER OR ANY AFFILIATE THEREOF, SHALL BE HEARD AND DETERMINED,  AND  (II)  IF  BROUGHT  BY  ANY  OTHER  PARTY  TO  THIS AMENDMENT, MAY BE HEARD AND DETERMINED, IN EACH CASE, IN SUCH NEW YORK STATE COURT OR, TO THE EXTENT PERMITTED BY LAW, IN SUCH FEDERAL COURT.   NOTHING IN THIS SECTION 8 SHALL AFFECT THE RIGHT OF THE ADMINISTRATIVE AGENT OR ANY OTHER CREDIT PARTY TO BRING ANY ACTION OR PROCEEDING AGAINST THE BORROWER OR THE SERVICER OR ANY OF THEIR RESPECTIVE PROPERTY IN THE COURTS OF OTHER JURISDICTIONS.  EACH OF THE BORROWER AND THE SERVICER HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT IT MAY EFFECTIVELY DO SO, THE DEFENSE OF AN INCONVENIENT FORUM TO THE MAINTENANCE OF SUCH ACTION OR PROCEEDING.   THE PARTIES HERETO AGREE THAT A FINAL JUDGMENT IN ANY SUCH ACTION OR PROCEEDING SHALL BE CONCLUSIVE AND MAY BE ENFORCED IN OTHER  JURISDICTIONS  BY  SUIT  ON  THE  JUDGMENT  OR  IN  ANY  OTHER MANNER PROVIDED BY LAW.

SECTION 9.   Section Headings.  The various headings of this Amendment are included for convenience only and shall not affect the meaning or interpretation of this Amendment, the Receivables Financing Agreement or any provision hereof or thereof.

[Signature pages follow.]

IN WITNESS WHEREOF, the parties hereto have executed this Amendment as of the date first written above.

NCR RECEIVABLES LLC, as the Borrower
By:  /s/ Richard P. McKenzie                         29/9/17
Name:    Richard P. McKenzie
Title: Vice President NCR Receivables

NCR CORPORATION,
as the Servicer
         By:  /s/ John Boudreau                                  29/9/17 
         Name:    John Boudreau
         Title: Treasurer NCR Corporation 

S-1

Second Amendment to
Receivables Financing Agreement (N C R)

PNC BANK, NATIONAL ASSOCIATION, as Administrative Agent
    
          By:  /s/ Eric Bruno
Name: Eric Bruno
Title: Senior Vice President

		
	PNC BANK, NATIONAL ASSOCIATION, as a Group Agent
	            

By:  /s/ Eric Bruno
Name: Eric Bruno
Title: Senior Vice President

		
	PNC BANK, NATIONAL ASSOCIATION, as a Committed Lender
	            By:  /s/ Eric Bruno

Name: Eric Bruno
Title: Senior Vice President

S-2
 

Second Amendment to
Receivables Financing Agreement (NCR)

THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., NEW YORK BRANCH,
as a Committed Lender

By:  /s/ Christopher Pohl    _
Name: Christopher Pohl
Title:  Managing Director

THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., NEW YORK BRANCH,
as a Group Agent

By:  /s/ Christopher Pohl    _
Name: Christopher Pohl
Title:  Managing Director

VICTORY RECEIVABLES CORPORATION, as a Conduit  Lender

By:  /s/ David V. DeAngelis    _
Name:  David V. DeAngelis
Title:   Vice President

 
S-3
 

Second Amendment to
Receivables Financing Agreement (NCR)

As of the date first set forth above, NCR Corporation, in its capacity as Originator  under the Purchase  and Sale Agreement, and NCR Receivables LLC, in its capacity as Buyer under the Purchase  and Sale  Agreement, hereby  acknowledge this Amendment  and agree to be bound  by the terms of this Amendment  to the extent such terms amend  the provisions  of the Purchase  and Sale  Agreement.     In furtherance of the foregoing, Originator   agrees  it  shall  not  sell  and/or contribute, and Buyer agrees it shall not purchase and/or receive, any Excluded Digital Insight Receivables pursuant to the Purchase and Sale Agreement.

NCR CORPORATION, as Originator

          By: /s/ John Boudreau                  29/9/17
Name:  John Boudreau
Title:  Treasurer NCR Corporation

NCR RECEIVABLES LLC, as Buyer
           
 By: /s/ Richard P. McKenzie                  29/9/17
Name:  Richard P. McKenzie
Title:  Vice President NCR Receivables

 
S-4
 

Second Amendment to
Receivables Financing Agreement (N C R)arcb_EX_10_17

		

			EXHIBIT 10.17

		

		
			AMENDMENT ONE TO

Arcbest CORPORATION VOLUNTARY SAVINGS PLAN
		

		
			As Amended and Restated Effective January 1, 2017
		

		
			WHEREAS, ArcBest Corporation (the “Company”) sponsors the ArcBest Corporation Voluntary Savings Plan (the “Plan”) last amended and restated effective as of January 1, 2017;
		

		
			 
		

		
			WHEREAS, by the terms of Section 9, the Company, through its Board of Directors, has the authority to amend the Plan; and
		

		
			 
		

		
			WHEREAS, the Company desires to adopt Amendment One to the Plan to comply with new disability claims procedure regulations, effective April 1, 2018.
		

		
			 
		

		
			NOW THEREFORE, the Plan is hereby amended, effective as of April 1, 2018, by restating Section 10.3, “Claims Procedure” as follows:
		

		
			 
		

		
			10.3Claims Procedure. A claim for benefits under this Plan shall be made in writing by the Participant or, if applicable, the Participant’s Beneficiary, executor or administrator, or authorized representative (collectively, “Claimant”) to the Administrator within sixty (60) days of the event by which Claimant claims entitlement to benefits under the Plan.
		

		
			 
		

		
			(a)Initial Determination of Claim
		

		
			 
		

			
	
			
				 (i)
			Notice of Adverse Benefit Determination.  In any case in which a claim for Plan benefits of Claimant is denied or modified, the Administrator will notify such person of its decision in writing.  Such notification will contain (A) specific reasons for the denial, (B) specific reference to pertinent Plan provisions, (C) a description of any additional material or information necessary for such person to perfect such claim and an explanation of why such material or information is necessary, and (D) information as to the Plan’s claim review procedure, including a statement of Claimant’s right to bring a civil action under Section 502(a) of ERISA following an adverse benefit determination.

		
			 
		

		
			(ii)Timing. Notice of an adverse benefit determination will be given within ninety (90) days after the claim is received by the Administrator (or within 180 days if special circumstances require an extension of time for processing the claim and if written notice of such extension and circumstances is given to such person within the initial 90 day period).  If such notification is not given within such period, the claim will be considered denied as of the last day of such period and Claimant may request a review of his or her claim.
		

		
			 
		

		
			(b)Request for Review of an Adverse Benefit Determination    
		

		
			 
		

		
			(i)In General. Within sixty (60) days after the date on which Claimant receives a written notice of an adverse benefit determination (or, if applicable, within 60 days after the date on which denial is considered to have occurred), such person (or his or her duly authorized representative) may (A) file a written request with the Administrator for a review of his or her adverse benefit determination and of pertinent documents, and (B) submit written issues and comments to the Administrator. 
		

		
			

		 

 

		

		
			 
		

		
			(ii)Review Procedures. The Administrator will review the adverse benefit determination taking into account all comments, documents, records, and other information submitted regardless of whether the information was previously considered on initial review. Such decisions shall be made in accordance with the governing Plan documents and, where appropriate, Plan provisions will be applied consistently with respect to similarly situated Claimants. The Administrator shall have the discretion to determine which Claimants are similarly situated. 
		

		
			 
		

		
			(iii)Notice. The Administrator will notify Claimant of its decision in writing.  Such notification will be written in a manner calculated to be understood by Claimant and will contain (A) specific reasons for the decision, (B) specific references to pertinent Plan provisions, (C) a statement of Claimant's right to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records, and other information relevant to Claimant's claim for benefits (whether a document, record, or other information is relevant to a claim for benefits shall be determined by reference to the United States Department of Labor’s Regulations for Claims Procedures, Section 2560.503-1(m)(8)),  and (D) a statement of Claimant’s right to bring a civil action under Section 502(a) of ERISA following an adverse benefit determination on review. 
		

		
			 
		

		
			(iv)Timing. The decision on review will be made within sixty (60) days after the request for review is received by the Administrator (or within 120 days if special circumstances, such as an election by the Administrator to hold a hearing, require an extension of time for processing the request, and if written notice of such extension and circumstances is given to such person within the initial 60 day period).  If the decision on review is not made within such period, the claim will be considered denied.
		

		
			 
		

		
			(c)Initial Determination of Claim Based on Disability. If a claim for Plan benefits is based on the Participant’s Disability, the claim will be processed as specified in Section 10.3(a), except that the following additional rules shall apply:
		

		
			 
		

		
			(i)In General.  The Administrator will notify Claimant of its decision within forty-five (45) days of receipt of the claim.  The 45-day period may be extended for an additional thirty (30) days if the extension is necessary due to matters beyond the Administrator’s control, and the Administrator notifies Claimant prior to the expiration of the initial 45-day period of the circumstances requiring the extension and the date by which the Administrator expects to render a decision.  The 30-day extension period can be extended for a second period of thirty (30) days due to matters beyond the Administrator’s control, provided the Administrator again notifies Claimant prior to the expiration of the first extension period in the same manner as the first extension.  If Claimant is asked to provide additional information so that the claim can be processed, Claimant will have forty-five (45) days to provide the additional information.  In the case of an adverse benefit determination with respect to a claim based on Disability, if an internal rule, guideline, protocol or other similar criterion was relied upon in making the decision, the Administrator will notify Claimant of such reliance and that a copy of such rule, guideline, protocol or other criterion will be provided free of charge to Claimant upon written request.
		

		
			 
		

		
			(ii)Notice. In the event of an adverse benefit determination involving a Disability benefit, the Administrator will provide a written notice of adverse benefit determination, which shall be written in a culturally and linguistically appropriate manner 

		 

		

			2

		

		

			4834-6514-0836.1

		

 

(as described in the United States Department of Labor’s Regulations for Claims Procedures, Section 2560.503-1(o)), and shall also include:
		

		
			 
		

		
			(A)A discussion of the decision, including an explanation of the basis for disagreeing with or not following (1) the views presented by Claimant to the Plan of health care professionals treating Claimant and vocational professionals who evaluated Claimant, (2) the views of medical or vocational experts whose advice was obtained on behalf of the Plan in connection with Claimant’s adverse benefit determination, without regard to whether the advice was relied upon in making the determination, and (3) a Disability determination regarding Claimant presented by Claimant to the Plan made by the Social Security Administration;
		

		
			 
		

		
			(B)Either the specific internal rule, guideline, protocol, standard or other similar criterion, relied upon in making the adverse benefit determination, or, alternatively, a statement that such rule, guideline, protocol, standard or other similar criterion of the Plan do not exist;
		

		
			 
		

		
			(C)If the determination is based on a medical necessity or experimental treatment or similar exclusion or limit, either an explanation of the scientific or clinical judgment for the determination, applying the terms of the Plan to Claimant's medical circumstances, or a statement that such explanation will be provided free of charge upon request; and
		

		
			 
		

		
			(D)A statement that Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records, and other information relevant to Claimant’s claim for Plan benefits (whether a document, record, or other information is relevant to a claim for benefits shall be determined by reference to the United States Department of Labor’s Regulations for Claims Procedures, Section 2560.503-1(m)(8)).
		

		
			 
		

		
			(d)Request for Review of an Adverse Benefit Determination Based on Disability. In the event of an adverse benefit determination involving a Disability benefit, Claimant may request review of the adverse benefit determination. 
		

		
			 
		

		
			(i)In General.  Claimant will have one hundred eighty (180) days following the receipt of an adverse benefit determination involving a Disability benefit to request review of the determination.  If a review of the adverse benefit determination is requested, the request will be processed as specified in Section 10.3(b), except that the following shall apply:
		

		
			(A)No deference will be given to the initial decision and the review will be conducted by an appropriate individual who is neither the individual who made the initial decision nor a subordinate of that individual.
		

		
			 
		

		
			(B)If the initial decision was based in whole or in part on a medical judgment, the appropriate individual will consult with a health care professional who has the appropriate training and experience in the field of medicine involved in the medical judgment. Any health care professional engaged for purposes of reviewing the initial decision will be an individual who is neither an individual who was consulted in connection with the initial decision, nor a subordinate of that individual.
		

		
			 
		

		
			

		 

		

			3

		

		

			4834-6514-0836.1

		

 

		

		
			(C)The Administrator will provide Claimant the identity of the medical or vocational experts whose advice was obtained on behalf of the Plan in connection with the adverse benefit determination, without regard to whether the advice was relied on in making the determination.
		

		
			 
		

		
			(D)The Administrator will provide Claimant, free of charge, with any new or additional evidence or rationale considered, relied upon, or generated by the Plan, insurer, or other person making the benefit determination (or at the direction of the Plan, insurer, or such other person) in connection with the claim and any new or additional rationale. Such evidence or rationale shall be provided as soon as possible and sufficiently in advance of the date on which the notice of adverse benefit determination on review is required to be provided to give Claimant a reasonable opportunity to respond prior to that date.
		

		
			 
		

		
			(E)The Administrator shall notify Claimant of its decision on review within forty-five (45) days after the request for review is received, or within ninety (90) days if special circumstances require an extension of time, Claimant is given written notice of the extension within the first 45-day period, and the notice describes the special circumstances and indicates the date a decision is expected to be made.
		

		
			 
		

		
			(ii)Notice. In the event of an adverse benefit determination on review involving Disability, in addition to the information described in Section 10.3(b)(iii) above, the Administrator’s written notice, which shall be written in a culturally and linguistically appropriate manner (as described in the United States Department of Labor’s Regulations for Claims Procedures, Section 2560.503-1(o)), shall also include:
		

		
			 
		

		
			(A)In the statement of Claimant’s right to bring a civil action in accordance with Section 502(a) of ERISA, the statement will also describe any applicable contractual limitations period that applies to Claimant’s right to bring such an action, including the calendar date on which the contractual limitations period expires for the claim.
		

		
			 
		

		
			(B)A discussion of the decision, including an explanation of the basis for disagreeing with or not following: (1) the views presented by Claimant to the Plan of health care professionals treating Claimant and vocational professionals who evaluated Claimant, (2) the views of medical or vocational experts whose advice was obtained on behalf of the Plan in connection with Claimant’s adverse benefit determination, without regard to whether the advice was relied upon in making the benefit determination, and (3) a Disability determination regarding Claimant presented by Claimant to the Plan made by the Social Security Administration.
		

		
			
		

		
			(C)If the adverse benefit determination is based on a medical necessity or experimental treatment or similar exclusion or limit, either an explanation of the scientific or clinical judgment for the determination, applying the terms of the Plan to Claimant's medical circumstances, or a statement that such explanation will be provided free of charge upon request.
		

		
			 
		

		
			(D)The specific rule, guideline, protocol, standard, or other similar criterion, if any, which was relied upon in making the adverse benefit determination, or, alternatively, a statement that such rule, guideline, protocol, standard, or other similar criterion of the Plan do not exist.
		

		
			

		 

		

			4

		

		

			4834-6514-0836.1

		

 

		

		
			 
		

		
			Compliance with the claims procedures set forth in this Section 10.3 shall be a condition precedent to the filing of a lawsuit by a Participant or his or her Beneficiary or any person claiming through a Participant or Beneficiary in connection with a Plan benefit, and a failure to timely exhaust the administrative remedies set forth herein shall bar any such proceeding in federal or state court. No legal action may be taken against the Company after the earlier of three years after the Administrator notifies the Participant or Beneficiary of the denial of his or her claim or the expiration of the relevant statute of limitations in the state having jurisdiction of the claim.
		

		 

		

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			4834-6514-0836.1

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