Document:

Loan Agreement

 

THIS LOAN AGREEMENT is made on this 5th
day of July, 2012 (the “Effective Date”) between Pavel Alpatov (hereinafter referred to as the “Lender”),
and Innovative Wireless Technologies, Inc. a Delaware corporation (hereinafter referred to as the “Borrower”
and together with the Lender, the “Parties”)

 

2.  SUBJECT OF THE AGREEMENT

 

2.1. Making of the Loan

 

In accordance with terms and provisions set forth herein the
Lender shall make a loan to the Borrower in US Dollars in the maximum principal amount up to USD$ 111,970 (One Hundred and Eleven
Thousand Nine Hundred and Seventy Dollars) (hereinafter the “Loan”).

 

The Borrower undertakes to accept the Loan and to repay to the
Lender all received principal amount of the Loan and all accrued interest thereon within the period of time stipulated herein.

 

2.2. Purpose of the Loan

 

The purpose of the Loan is to enable the Borrower to (i) make
investments research and development and (ii) cover legal, corporate and marketing costs associated with advancing new technology
onto the word market.

 

The Borrower undertakes to provide the Lender without delay
with an appropriate documentary confirmation of the target utilization of the Loan upon Lender’s requests.

 

3. DRAWDOWN OF THE LOAN

 

3.1. The principal amount of the Loan referred to in Section
1.1 herein shall be available in 1 (one) drawing of the amount of USD$ 111,970 (One Hundred and Eleven Thousand Nine Hundred and
Seventy Dollars).

 

3.2. The date of the disbursement of the principal amount of
the Loan or any portion of it shall be considered the date of crediting a respective amount to the bank account of the Borrower
in an authorized bank.

 

4.COMMITMENT PERIOD AND CONDITIONS PRECEDENT

 

4.1. Commitment Period

 

The Loan will be available for the period commencing on the
Effective Date and ending on July 5, 2022 (the “Commitment Period”).

 

5. REPAYMENT AND LOAN INTEREST RATE

 

5.1. Repayment of the Loan

 

All outstanding principal and accrued and unpaid interest on
such principal amount shall be due and payable on the last day of the Effective Period.

 

5.2. Loan Interest Rate

 

The Borrower undertakes to pay interest at a rate of 10% (Ten
Percent) per annum on the outstanding principal amount of the Loan from the date of the disbursement of principal under the Loan
until such principal amount is repaid. Interest shall be payable quarterly in arrears in all principal outstanding during the preceding
quarter. Interest shall be computed on the basis of a 365 day year for the actual number of days elapsed.

 

    	 

    	 

    

 

5.3. Prepayments

 

The Borrower shall be entitled to prepay outstanding principal
and any accrued interest as any time without penalty.

 

6. PAYMENTS AND TAXATION

 

6.1. The total amount payable by the Borrower to the Lender
in respect of the Loan shall be the aggregate of the principal amount of the Loan and including also, interest due thereon as specified
in the Loan Agreement and the additional fees, costs and charges referred to in the Loan Agreement (including costs and charges
arising by reason of any default by the Borrower).

 

6.2. All repayments and payments by the Borrower hereunder shall
be made, without set-off or counterclaim, in the currency of the Loan to such account of the Lenders the Lender may from time to
time notify to the Borrower.

 

6.3. Where any payment under the Loan Agreement falls due on
a day which is not a Business day, it shall be made on the next succeeding Business Day.

 

6.4. The Borrower shall pay all amounts of principal, interest
and fees due under this Agreement in full, free and clear of, and without deduction or withholding for, all present and future
taxes, levies, imposts, duties, fees or other charges, now or hereafter imposed by any federal or political subdivision thereof.
If any such taxes are required by law of the Russian Federation to be deducted or withheld from any payment under this Agreement,
the Borrower shall deduct or withhold such taxes and shall increase the amounts paid under this Agreement so that the Lender receives when
due, after deduction or withholding for such taxes, the full amount of the payments provided for in this Agreement which would
have been received had there been no deduction or withholding.

 

6.5. The Lender and the Borrower will use all reasonable efforts
to file all necessary documents with Russian tax authorities to be granted any reduction of taxes deducted or withheld at source,
in accordance with provisions of the Russian-Cyprus Treaty on Avoiding of Double Taxation.

 

7. LEGAL OPINION

 

Within 15 (fifteen) calendar days of the execution of this Loan
Agreement the Borrower will provide the Lender with a legal opinion issued by lawyers competent to give such an opinion confirming,
inter alia, that: the Borrower is legally incorporated as a corporate entity, and the Borrower is legally able to enter
into and be bound by the terms of this Loan Agreement, and the persons which signed the Loan Agreement can legally bind the Borrower.

 

8. REPRESENTATIONS AND WARRANTIES

 

The Borrower hereby represents and warrants to the Lender that:

 

8.1. It is a legal entity duly organized and registered with
power to own its own assets, to conduct its business, to enter into the Loan Agreement and to exercise its rights and perform its
obligations and all corporate and other action required to authorize its execution of the Loan Agreement and its performance of
its obligations has been duly taken;

 

8.2. the claims of the Lender under the Loan Agreement will
rank above the claims of all other unsecured creditors of Borrower unless otherwise provided by any security, bankruptcy, insolvency,
liquidation or other similar laws of general application;

 

8.3. in any proceedings taken against Borrower in relation to
the Loan Agreement, Borrower shall not be entitled to claim for itself or any of its assets immunity from suit, execution, attachment
or other legal process and

 

8.4. The obligations of Borrower under the Loan Agreement are
legal and valid obligations binding on it in accordance with the terms thereof; and

 

    	 

    	 

    

 

8.5. Borrower has the power to avail of the Loan and no limitation
on its borrowing powers or applicable currency control regulations will be exceeded or breached as a result of borrowing under
this Loan Agreement.

 

The representations and warranties referred to in this Section
8 shall survive the execution of this Loan Agreement and shall be deemed to be repeated on each day on which the Loan remains outstanding
by reference to the facts and circumstances for the time being then pertaining.

 

9. COVENANTS

 

The Borrower hereby covenants and agrees that until all monies
due to the Lender pursuant to the Loan Agreement have been paid in full it shall:

 

9.1. carry on and conduct its business in a proper and efficient
manner and shall not make any substantial alteration in the nature of its business;

 

9.2. ensure that at all times the claims of the Lender against
it rank above the claims of all its other creditors save those whose claims are preferred by any security, bankruptcy, insolvency,
liquidation or other similar laws of general application;

 

9.3. promptly provide to the Lender details of any litigation,
arbitration or administrative proceeding pending, or to the Borrower's knowledge, threatened against the Borrower which could have
a material adverse effect on the business, assets or financial condition of the Borrower or on the ability of the Borrower to perform
its obligations hereunder;

 

9.4. not create any new pledge nor make any security arrangement
over any of its assets without the specific consent of the Lender.

 

10. NEGATIVE COVENANTS

 

The Borrower shall not, without the prior written consent of
the Lender:

 

10.1. use the proceeds of any drawing under the Loan Agreement
for any purpose other than for the purpose stated in the Loan Agreement;

 

10.2. cease to carry on the business carried on at the date
hereof or materially alter the nature of its business or enter into any unrelated business.

 

11. DEFAULT

 

11.1. Any of the following events or circumstances shall constitute
an Event of Default hereunder:

 

		1.	if the Borrower defaults in the repayment on the due date thereof of any amounts due to be paid by the Borrower to the Lender
pursuant to the terms of the Loan Agreement and such default continues for a period of 90 (ninety) Business Days;

 

		2.	if an application is presented or an effective resolution is passed for the liquidation or winding-up on the Borrower other
than for the purpose of a reconstruction or amalgamation pursuant to a scheme the Lender has approved previously;

 

		3.	if any bankruptcy or other similar proceedings shall be initiated by or against the Borrower, or an arbitration court receiver
or manager shall be appointed of the assets or undertaking of the Borrower;

 

		4.	if any distress, execution of other process shall be levied or enforced or sued out upon or against any of the assets of the
Borrower and the same shall not be removed or discharged or paid out within 30 (thirty) calendar days;

 

		5.	if the Borrower shall stop or threaten to stop payment of capital or interest under any agreement or shall cease or threaten
to cease to carry on its business or substantially the whole of its business;

 

		6.	if the Borrower shall suspend payment of its debts or be deemed to be unable under any relevant law to pay its debts;

    	 

    	 

    

 

		7.	if the security constituted by any mortgage or charge of the Borrower shall become enforceable and steps are taken to enforce
the same or any borrowings shall become repayable by default of the Borrower or any of its subsidiaries and steps are taken to
obtain such repayment;

 

		8.	if an application is made for any type of administration order to be made against the Borrower; or

 

		9.	if the Borrower fails for 30 (thirty) calendar days to perform or satisfy any other material condition, undertaking or agreement
herein stated to be performed or satisfied by it.

 

11.2. Upon the occurrence of any Event of Default as defined
in Section 13.1 above:

 

		1.	the Lender will cease to have any obligation to provide further financing under this Agreement; and

 

		2.	all outstanding principal and accrued interest due under the Loan Agreement shall become immediately due and payable together
with all accrued interest and charges upon first demand being made by the Lender.

 

12. ASSIGNMENT

 

12.1. This Loan Agreement shall be binding and inure to the
benefit of the Borrower and the Lender and their respective successors and assigns, provided, however, that the Borrower may not
assign any of its obligations or rights under this Loan Agreement without the prior written approval of the Lender.

 

12.2. Lender may grant participation in all or any part of the
Loan to any third person. The Lender may transfer all or a part of its rights or obligations under this Loan Agreement to
any third person.

 

13. DESIGNATED BANKS

 

All payments and settlements under this Loan Agreement shall
be effected thought the Parties’ bank accounts which shall be specified by each Party.

 

14. FORCE MAJEURE

 

14.1. The Parties shall not be held liable for failure to fulfill
obligations hereof in part or in full if such non-performance is the result of force majeure circumstances, occurred after execution
of the Loan Agreement, which a Party could neither foresee nor prevent by any reasonable means.

 

14.2. Force majeure shall mean circumstances beyond reasonable
control of the Parties including actions of state and/or municipal agencies, adoption of laws of prohibitive character, wars, disturbances,
strikes, as well as acts of God (floods, fires, earthquakes, epidemics, landslides, etc) which result in impossibility to perform
obligations hereunder.

 

14.3. In case of force majeure preventing any of the Parties
hereto from performance of its obligations hereunder, such Party shall be released from liability for non-performance of obligations
which was the result of force majeure, provided that such Party shall immediately notify the other Party in writing on occurrence
of force majeure circumstances.

 

14.4. In case force majeure lasts for more than 6 (six) months,
any of the Parties shall be entitled  to terminate the Loan Agreement upon notifying the other Party with this respect in
writing 15 (fifteen) calendar days in advance.

 

14.5. The disbursements under this Loan Agreement made during
the Commitment Period are subject to acceptance by the Borrower of a force majeure clause, that is that the Lender is satisfied,
at its own discretion, that normal market conditions prevail in Russian Federation. No further disbursements shall be made if the
Lender reasonably comes to the conclusion that the economic, social and other conditions in the Russian Federation deteriorate
significantly.

 

    	 

    	 

    

 

15. APPLICABLE LAW AND ARBITRATION 

 

		15.1.	Any dispute or claim hereunder between the named Parties shall be resolved by binding arbitration
before the American Arbitration Association in San Diego, California under the laws of the State of California. This shall be the
exclusive remedy between the Parties, and both parties hereby give up any rights to trial by jury, court, appeal, or any other
judicial mechanism for resolving disputes.

 

16. MISCELLANEOUS

 

16.1. If any provision hereof is held to be illegal, invalid,
or unenforceable under present or future laws effective during the term thereof, such provision shall be fully severable, and this
Agreement shall be construed and enforced as if such illegal, invalid, or unenforceable provision had never comprised a part hereof;
and the remaining provisions hereof shall remain in full force and effect and shall not be affected by the illegal, invalid, or
unenforceable provision or by its severance therefrom.

 

16.2. A certificate by any director, secretary or manager of
the Lender as to the amount due from the Borrower hereunder or the amount of any interest, fees or other sums owing hereunder shall
save for manifest error be conclusive evidence thereof.

 

16.3. All rights of the Lender contained in the Loan Agreement
are in addition to all rights vested or to be vested in the Lender pursuant to the Security Documents or under the applicable law.

 

16.4. Any notice or demand to be given under the Loan Agreement
shall be in writing and shall be effective and shall be deemed to have been duly given if sent by hand or by courier immediately
upon delivery, or if sent by prepaid ordinary mail to the Parties' addresses specified below or such other address of the Party
as may be advised in writing to other Party, at the expiration of 15 (fifteen) Business Days after the date of posting.

 

16.5. Any amendment or supplement hereto shall be effective
if made in writing and duly signed by the authorized representatives of the Parties.

 

16.6. This Loan Agreement is executed in two original copies
in each of the Russian and English languages; one original copy for each of the Parties. In case of any inconsistency of conflict
the English version language shall prevail.

 

	Lender:	 
	Pavel Alpatov	 
	Signature  	/s Pavel Alpatov	 
	 	 
	Borrower:	 
	Innovative Wireless Technologies, Inc.	 
	Pavel Alpatov	 
	President, CEO, CFO	 
	Signature	/s Pavel AlpatovEXECUTION VERSION

 

SUPPLEMENT NO. 1 TO SERIES 2010-1 INDENTURE
SUPPLEMENT

 

This SUPPLEMENT NO.
1 TO SERIES 2010-1 INDENTURE SUPPLEMENT, dated as of November 27, 2012 (this “Supplement”) is entered into between
GE CAPITAL CREDIT CARD MASTER NOTE TRUST, a Delaware statutory trust, as issuer (the “Issuer”), and DEUTSCHE
BANK TRUST COMPANY AMERICAS, a New York banking corporation, as indenture trustee (the “Indenture Trustee”).

 

BACKGROUND

 

WHEREAS, the Issuer
and the Indenture Trustee are parties to a Master Indenture, dated as of September 25, 2003, as amended by the Omnibus Amendment
No. 1 to Securitization Documents, dated as of February 9, 2004, among RFS Holding, L.L.C., RFS Funding Trust, the Issuer, Deutsche
Bank Trust Company Delaware, as trustee of RFS Funding Trust, RFS Holding, Inc. and the Indenture Trustee, the Second Amendment
to Master Indenture, dated as of June 17, 2004, between the Issuer and the Indenture Trustee, the Third Amendment to Master Indenture,
dated as of August 31, 2006, between the Issuer and the Indenture Trustee, the Fourth Amendment to Master Indenture, dated as of
June 28, 2007, between the Issuer and the Indenture Trustee, the Fifth Amendment to Master Indenture, dated as of May 22, 2008,
between the Issuer and the Indenture Trustee and the Sixth Amendment to Master Indenture, dated as of August 7, 2009, between the
Issuer and the Indenture Trustee (as amended, the “Master Indenture”), and as supplemented by the Series 2010-1
Indenture Supplement, dated as of March 31, 2010 (as amended prior to the date hereof, the “Indenture Supplement”).

 

WHEREAS, the parties
hereto intend to amend the Indenture Supplement as set forth herein.

 

NOW, THEREFORE, in
consideration of the foregoing and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
the parties hereto hereby agree as follows:

 

AMENDMENTS

 

SECTION
1. Definitions. Capitalized terms defined in the Master Indenture and used but not otherwise defined herein have
the meanings given to them in the Master Indenture, and terms defined in the Indenture Supplement and used but not otherwise defined
herein or in the Master Indenture have the meanings given to them in such Indenture Supplement.

 

SECTION
2. Amendments to the Indenture Supplement.

 

(a)               
Section 1.1 of the Indenture Supplement is hereby amended by adding the following definition:

 

“ “Amendment
Date” means November 27, 2012.”

 

(b)              
Section 1.1 of the Indenture Supplement is hereby amended by deleting the definition of “Class B Notes”
and replacing it with the following definition:

 

    	 

    	 

    
 

“ “Class
B Notes” means any one of the Notes executed by the Issuer and authenticated by or on behalf of the Indenture Trustee,
substantially in the form of Exhibit A-2 or Exhibit A-4.”

 

(c)               
Section 1.1 of the Indenture Supplement is hereby amended by deleting the definition of “Class C Notes”
and replacing it with the following definition:

 

“ “Class
C Notes” means any one of the Notes executed by the Issuer and authenticated by or on behalf of the Indenture Trustee,
substantially in the form of Exhibit A-3 or Exhibit A-5.”

 

(d)              
Section 8.2 of the Indenture Supplement is hereby amended and restated in its entirety to read as follows:

 

“The
Class A Notes shall be Book-Entry Notes and shall be delivered as provided in Sections 2.1 and 2.2 of the Indenture. 
On the Closing Date, the Class B Notes and Class C Notes were initially issued as Definitive Notes and registered in the name of
the initial purchasers of such Class B Notes and Class C Notes identified in the applicable Note Purchase Agreement. On the Amendment
Date, the Owner Trustee on behalf of the Issuer and, upon written instruction from the Issuer, the Indenture Trustee shall execute
and deliver global Class B Notes and Class C Notes as Book-Entry Notes to replace the Class B Notes and the Class C Notes issued
on the Closing Date in definitive, fully registered form.”

 

(e)               
A new Exhibit A-4 shall be added to the Indenture Supplement in the form of Annex I hereto.

 

(f)               
A new Exhibit A-5 shall be added to the Indenture Supplement in the form of Annex II hereto.

 

SECTION
3. Execution; Binding Effect; Ratification.

 

(a)               
This Supplement shall become effective as of the date first set forth above when counterparts hereof shall have been executed
and delivered by the parties hereto, and thereafter shall be binding on the parties hereto and their respective successors and
assigns.

 

(b)              
The Indenture Supplement, as supplemented hereby, remains in full force and effect. Any reference to the Indenture Supplement
from and after the date hereof shall be deemed to refer to the Indenture Supplement as supplemented hereby, unless otherwise expressly
stated.

 

(c)               
Except as expressly supplemented hereby, the Indenture Supplement shall remain in full force and effect and is hereby ratified
and confirmed by the parties hereto.

 

    	2

    	 

    
 

SECTION
4. No Recourse. It is expressly understood and agreed by the parties hereto that (a) this Supplement is executed
and delivered by BNY Mellon Trust of Delaware, not individually or personally but solely as trustee of the Issuer, in the exercise
of the powers and authority conferred and vested in it, (b) each of the representations, undertakings and agreements herein made
on the part of the Issuer is made and intended not as personal representations, undertakings and agreements by BNY Mellon Trust
of Delaware but is made and intended for the purpose of binding only the Issuer, (c) nothing herein contained shall be construed
as creating any liability on BNY Mellon Trust of Delaware, individually or personally, to perform any covenant either expressed
or implied contained herein, all such liability, if any, being expressly waived by the parties hereto and by any Person claiming
by, through or under the parties hereto and (d) under no circumstances shall BNY Mellon Trust of Delaware be personally liable
for the payment of any indebtedness or expenses of the Issuer or be liable for the breach or failure of any obligation, representation,
warranty or covenant made or undertaken by the Issuer under this Supplement or any other related documents.

 

SECTION
5. No Petition. The Trustee on behalf of the Issuer, by entering into this Supplement hereby covenants and agrees
that it will not at any time institute against the Transferor or the Issuer, or join in any institution against the Transferor
or the Issuer of, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings, or other proceedings under
any Federal or State bankruptcy or similar law in connection with any obligations relating to this Supplement or any of the Related
Documents; provided that nothing in this paragraph shall preclude, or be deemed to estop, the Trustee from taking any action
prior to the expiration of the applicable preference period in any involuntary proceeding filed or commenced against the Transferor
or the Issuer by a Person other than the Trustee or to otherwise limit any claims that the Trustee may have against the Transferor
or the Issuer. This Section 5 shall survive the termination of this Supplement.

 

SECTION
6. Miscellaneous.

 

(a)               
THIS SUPPLEMENT AND THE OBLIGATIONS ARISING HEREUNDER SHALL IN ALL RESPECTS, INCLUDING ALL MATTERS OF CONSTRUCTION, VALIDITY,
AND PERFORMANCE, BE GOVERNED BY AND ENFORCED IN ACCORDANCE WITH, THE INTERNAL LAWS OF THE STATE OF NEW YORK (INCLUDING SECTION
5-1401 OF THE GENERAL OBLIGATIONS LAW BUT WITHOUT REGARD TO ANY OTHER CONFLICT OF LAW PROVISIONS THEREOF) AND ANY APPLICABLE LAWS
OF THE UNITED STATES OF AMERICA.

 

(b)              
Headings used herein are for convenience of reference only and shall not affect the meaning of this Supplement.

 

(c)               
This Supplement may be executed in any number of counterparts, and by the parties hereto on separate counterparts, each
of which shall be an original and all of which taken together shall constitute one and the same agreement. Executed counterparts
may be delivered electronically.

 

    	3

    	 

    

IN WITNESS WHEREOF,
the parties hereto have caused this Supplement to be duly executed as of the date first above written.

 

GE CAPITAL CREDIT CARD MASTER NOTE TRUST, as Issuer

 

		By:	BNY mellon trust of delaware, not in its individual capacity, but solely on
behalf of the Issuer

 

 

By: /s/ Kristine K. Gullo___________

 

Name: Kristine K. Gullo

 

Title:
Vice President

	 
	 	 

 

	S-1	
        Supplement No. 1 to

        2010-1 Indenture Supplement

    	 

    	 

    

 

 

DEUTSCHE BANK TRUST COMPANY AMERICAS,

 

not in its individual capacity, but solely as the

Indenture Trustee

 

By: /s/ Susan Barstock__________

 

Name: Susan Barstock

Title: Vice President

 

 

 

By: /s/ Mark DiGiacomo_________

 

Name: Mark DiGiacomo

Title: Asst. Vice President

 

	S-2	
        Supplement No. 1 to

        2010-1 Indenture Supplement

    	 

    	 

    

 

 

Acknowledged and accepted as to

 

Section 3 of the Supplement,

 

 

 

RFS HOLDING, L.L.C., as Transferor

 

 

 

By: /s/ Joseph Ressa___________ 

 

Name: Joseph Ressa

Title: Vice President

 

	S-3	
        Supplement No. 1 to

        2010-1 Indenture Supplement

 

    	 

    	 

    

ANNEX I

 

 

EXHIBIT A-4

FORM OF CLASS B SERIES 2010-1 4.67% ASSET
BACKED NOTE

 

UNLESS THIS NOTE IS
PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER
OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO.
OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH
OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE
BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY
NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT AS SET FORTH IN THE NEXT SENTENCE. BY ITS ACQUISITION HEREOF OR OF
A BENEFICIAL INTEREST HEREIN, THE HOLDER OF THIS NOTE:

 

		(1)	AGREES FOR THE BENEFIT OF THE ISSUER AND THE TRANSFEROR THAT THIS NOTE MAY BE SOLD, TRANSFERRED,
ASSIGNED, PARTICIPATED, PLEDGED OR OTHERWISE DISPOSED OF ONLY IN COMPLIANCE WITH THE SECURITIES ACT AND OTHER APPLICABLE LAWS,
AND ONLY (I) PURSUANT TO RULE 144A UNDER THE SECURITIES ACT (“RULE 144A”) TO A PERSON THAT THE HOLDER REASONABLY
BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER, WITHIN THE MEANING OF RULE l44A (A “QIB”), PURCHASING FOR ITS OWN
ACCOUNT OR FOR THE ACCOUNT OF A QIB, WHOM THE HOLDER HAS INFORMED, IN EACH CASE, THAT THE REOFFER, RESALE, PLEDGE, OR OTHER TRANSFER
IS BEING MADE IN RELIANCE ON RULE 144A, OR (II) TO THE DEPOSITOR OR ITS AFFILIATES, IN EACH CASE IN ACCORDANCE WITH ALL APPLICABLE
SECURITIES LAWS OF THE UNITED STATES; AND

 

		(2)	AGREES THAT IT WILL DELIVER TO EACH PERSON TO WHOM THIS NOTE OR AN INTEREST HEREIN IS TRANSFERRED
A NOTICE SUBSTANTIALLY TO THE EFFECT OF THIS LEGEND.

 

    	A-I-1

    	 

    
 

THE HOLDER OF THIS
NOTE BY ITS ACCEPTANCE HEREOF COVENANTS AND AGREES THAT IT WILL NOT AT ANY TIME DIRECTLY OR INDIRECTLY INSTITUTE OR CAUSE TO BE
INSTITUTED AGAINST THE ISSUER ANY BANKRUPTCY, REORGANIZATION, ARRANGEMENT, INSOLVENCY OR LIQUIDATION PROCEEDING OR OTHER PROCEEDING
UNDER ANY FEDERAL OR STATE BANKRUPTCY LAW UNLESS NOTEHOLDERS OF NOT LESS THAN 662⁄3% OF THE OUTSTANDING PRINCIPAL AMOUNT OF
EACH CLASS OF EACH SERIES HAS APPROVED SUCH FILING AND IT WILL NOT DIRECTLY OR INDIRECTLY INSTITUTE OR CAUSE TO BE INSTITUTED AGAINST
THE TRANSFEROR ANY BANKRUPTCY, REORGANIZATION, ARRANGEMENT, INSOLVENCY OR LIQUIDATION PROCEEDING OR OTHER PROCEEDING UNDER ANY
FEDERAL OR STATE BANKRUPTCY LAW IN ANY INSTANCE; PROVIDED, THAT THE FOREGOING SHALL NOT IN ANYWAY LIMIT THE NOTEHOLDER’S
RIGHTS TO PURSUE ANY OTHER CREDITOR RIGHTS OR REMEDIES THAT THE NOTEHOLDERS MAY HAVE FOR CLAIMS AGAINST THE ISSUER.

  

THE HOLDER OF THIS
CLASS B NOTE, BY ACCEPTANCE OF THIS NOTE, AND EACH HOLDER OF A BENEFICIAL INTEREST THEREIN, AGREE TO TREAT THE CLASS B NOTES AS
INDEBTEDNESS OF THE ISSUER FOR APPLICABLE FEDERAL, STATE, AND LOCAL INCOME AND FRANCHISE TAX LAW AND FOR PURPOSES OF ANY OTHER
TAX IMPOSED ON, OR MEASURED BY, INCOME.

 

THE
HOLDER OF THIS NOTE BY ITS ACCEPTANCE OF THIS NOTE, AND EACH HOLDER OF A BENEFICIAL INTEREST THEREIN, SHALL BE DEEMED TO REPRESENT
AND WARRANT THAT EITHER (I) SUCH HOLDER IS NOT (AND FOR SO LONG AS IT HOLDS SUCH NOTE WILL NOT BE), IS NOT ACTING ON BEHALF OF
(AND FOR SO LONG AS IT HOLDS SUCH NOTE WILL NOT BE ACTING ON BEHALF OF), AND IS NOT INVESTING THE ASSETS OF (A) AN "EMPLOYEE
BENEFIT PLAN" (AS DEFINED IN SECTION 3(3) OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"))
THAT IS SUBJECT TO TITLE I OF ERISA, (B) A "PLAN" (AS DEFINED IN SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS
AMENDED (THE "CODE")) THAT IS SUBJECT TO SECTION 4975 OF THE CODE, (C) AN ENTITY WHOSE
UNDERLYING ASSETS ARE DEEMED TO BE PLAN ASSETS OF A PLAN DESCRIBED IN (A) OR (B) ABOVE OR (D) A GOVERNMENTAL PLAN, CHURCH PLAN
OR NON-U.S. PLAN THAT IS SUBJECT TO ANY APPLICABLE LAW THAT IS SUBSTANTIALLY SIMILAR TO THE FIDUCIARY RESPONSIBILITY PROVISIONS
OF ERISA OR SECTION 4975 OF THE CODE (“SIMILAR LAW”) OR (II) ITS ACQUISITION, CONTINUED HOLDING AND DISPOSITION OF
THIS NOTE WILL NOT RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER ERISA OR SECTION 4975 OF THE CODE OR A VIOLATION OF ANY
SIMILAR LAW.

 

    	A-I-2

    	 

    

 

	REGISTERED

No. R-1	$80,000,000

CUSIP NO. 36159J BX8

 

GE CAPITAL CREDIT CARD

MASTER NOTE TRUST SERIES 2010-1

CLASS B SERIES 2010-1 4.67% ASSET BACKED NOTE

 

GE Capital Credit Card
Master Note Trust (herein referred to as the “Issuer” or the “Trust”), a Delaware statutory trust governed
by a Trust Agreement dated as of September 25, 2003, for value received, hereby promises to pay to Cede & Co., or registered
assigns, subject to the following provisions, the principal sum of EIGHTY MILLION DOLLARS, or such greater or lesser amount as
determined in accordance with the Indenture, on the March 2018 Payment Date, except as otherwise provided below or in the Indenture.
The Issuer will pay interest on the unpaid principal amount of this Note at the Class B Note Interest Rate on each Payment Date
until the Final Payment Date (which is the earlier to occur of (a) the Payment Date on which the Note Principal Balance is paid
in full, (b) the date on which the Collateral Amount is reduced to zero and (c) the March 2018 Payment Date). Interest on this
Note will accrue for each Payment Date from and including the most recent Payment Date on which interest has been paid to but excluding
such Payment Date or, for the initial Payment Date, from and including the Closing Date to but excluding such Payment Date. Interest
will be computed on the basis of a 360-day year of twelve 30-day months. Principal of this Note shall be paid in the manner specified
in the Indenture Supplement referred to on the reverse hereof.

 

The principal of and
interest on this Note are payable in such coin or currency of the United States of America as at the time of payment is legal tender
for payment of public and private debts.

 

Reference is made to
the further provisions of this Note set forth on the reverse hereof, which shall have the same effect as though fully set forth
on the face of this Note.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Indenture Trustee, by manual signature, this Note shall not be
entitled to any benefit under the Indenture or the Indenture Supplement referred to on the reverse hereof, or be valid for any
purpose.

 

THIS CLASS B NOTE IS
SUBORDINATED TO THE EXTENT NECESSARY TO FUND PAYMENTS ON THE CLASS A NOTES TO THE EXTENT SPECIFIED IN THE INDENTURE SUPPLEMENT.

 

    	A-I-3

    	 

    

 

IN WITNESS WHEREOF, the Issuer has caused this Class B Note
to be duly executed.

 

GE
CAPITAL CREDIT CARD MASTER NOTE TRUST, as Issuer

 

		By:	BNY Mellon Trust of Delaware, not in its individual capacity but solely as

Trustee on behalf of Issuer

 

 

By:                                                                                                 

Name:

Title:

 

Dated:                          ,             

 

    	A-I-4

    	 

    

 

INDENTURE TRUSTEE’S CERTIFICATE OF
AUTHENTICATION

 

This is one of the Class B Notes described in the within-mentioned
Indenture.

 

DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee

  

 

By:                                                                                                 

Name:

Title:

 

    	A-I-5

    	 

    

 

GE CAPITAL CREDIT CARD

MASTER NOTE TRUST SERIES 2010-1

CLASS B SERIES 2010-1 4.67% ASSET BACKED NOTE

Summary of Terms and Conditions

 

This Class B Note is
one of a duly authorized issue of Notes of the Issuer, designated as GE Capital Credit Card Master Note Trust, Series 2010-1 (the
“Series 2010-1 Notes”), issued under a Master Indenture dated as of September 25, 2003 (as amended, the “Master
Indenture”), between the Issuer and Deutsche Bank Trust Company Americas, as indenture trustee (the “Indenture
Trustee”), as supplemented by the Indenture Supplement dated as of March 31, 2010 (the “Indenture Supplement”),
and representing the right to receive certain payments from the Issuer. The term “Indenture,” unless the context otherwise
requires, refers to the Master Indenture as supplemented by the Indenture Supplement. The Notes are subject to all of the terms
of the Indenture. All terms used in this Note that are defined in the Indenture shall have the meanings assigned to them in or
pursuant to the Indenture. In the event of any conflict or inconsistency between the Indenture and this Note, the Indenture shall
control.

 

The Class A Notes and
the Class C Notes will also be issued under the Indenture.

 

The Noteholder, by
its acceptance of this Note, agrees that it will look solely to the property of the Issuer allocated to the payment of this Note
for payment hereunder and that neither the Owner Trustee nor the Indenture Trustee is liable to the Noteholders for any amount
payable under the Notes or the Indenture or, except in the case of the Indenture Trustee as expressly provided in the Indenture,
subject to any liability under the Indenture.

 

This Note does not
purport to summarize the Indenture and reference is made to the Indenture for the interests, rights and limitations of rights,
benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Indenture Trustee.

 

THIS CLASS B NOTE DOES
NOT REPRESENT AN OBLIGATION OF, OR AN INTEREST IN, THE ISSUER, GE MONEY BANK, RFS HOLDING, L.L.C., OR ANY OF THEIR AFFILIATES,
AND IS NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY OR INSTRUMENTALITY.

 

The Issuer, the Indenture
Trustee and any agent of the Issuer or the Indenture Trustee shall treat the person in whose name this Class B Note is registered
as the owner hereof for all purposes, and neither the Issuer, the Indenture Trustee nor any agent of the Issuer or the Indenture
Trustee shall be affected by notice to the contrary.

 

THIS CLASS B NOTE SHALL
BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE
OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

 

    	A-I-6

    	 

    
 

ASSIGNMENT

 

Social Security or other identifying number of assignee                              
                 

 

FOR VALUE RECEIVED,
the undersigned hereby sells, assigns and transfers unto                                  
(name and address of assignee) the within certificate and all rights thereunder, and hereby irrevocably constitutes and appoints
                            
attorney, to transfer said certificate on the books kept for registration thereof, with full power of substitution in the premises.

 

	Dated:	 	 	 	**
	 	 	 	Signature Guaranteed:	 

 

 

 

 

 

 

**         The
signature to this assignment must correspond with the name of the registered owner as it appears on the face of the within Note
in every particular, without alteration, enlargement or any change whatsoever.

 

    	A-I-7

    	 

    

ANNEX II

 

EXHIBIT A-5

FORM OF CLASS C SERIES 2010-1 5.75% ASSET
BACKED NOTE

 

UNLESS THIS NOTE IS
PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER
OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO.
OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH
OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE
BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

 

THIS NOTE HAS NOT BEEN
REGISTERED UNDER THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY
NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT AS SET FORTH IN THE NEXT SENTENCE. BY ITS ACQUISITION HEREOF OR OF
A BENEFICIAL INTEREST HEREIN, THE HOLDER OF THIS NOTE:

 

		(1)	AGREES FOR THE BENEFIT OF THE ISSUER AND THE TRANSFEROR
THAT THIS NOTE MAY BE SOLD, TRANSFERRED, ASSIGNED, PARTICIPATED, PLEDGED OR OTHERWISE DISPOSED OF ONLY IN COMPLIANCE WITH THE
SECURITIES ACT AND OTHER APPLICABLE LAWS, AND ONLY (I) PURSUANT TO RULE 144A UNDER THE SECURITIES ACT (“RULE 144A”)
TO A PERSON THAT THE HOLDER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER, WITHIN THE MEANING OF RULE l44A (A “QIB”),
PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QIB, WHOM THE HOLDER HAS INFORMED, IN EACH CASE, THAT THE REOFFER, RESALE,
PLEDGE, OR OTHER TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, OR (II) TO THE DEPOSITOR OR ITS AFFILIATES, IN EACH CASE IN
ACCORDANCE WITH ALL APPLICABLE SECURITIES LAWS OF THE UNITED STATES; AND

 

		(2)	AGREES THAT IT WILL DELIVER TO EACH PERSON TO WHOM
THIS NOTE OR AN INTEREST HEREIN IS TRANSFERRED A NOTICE SUBSTANTIALLY TO THE EFFECT OF THIS LEGEND.

 

    	A-II-1

    	 

    
 

THE HOLDER OF THIS
NOTE BY ITS ACCEPTANCE HEREOF COVENANTS AND AGREES THAT IT WILL NOT AT ANY TIME DIRECTLY OR INDIRECTLY INSTITUTE OR CAUSE TO BE
INSTITUTED AGAINST THE ISSUER ANY BANKRUPTCY, REORGANIZATION, ARRANGEMENT, INSOLVENCY OR LIQUIDATION PROCEEDING OR OTHER PROCEEDING
UNDER ANY FEDERAL OR STATE BANKRUPTCY LAW UNLESS NOTEHOLDERS OF NOT LESS THAN 662⁄3% OF THE OUTSTANDING PRINCIPAL AMOUNT OF
EACH CLASS OF EACH SERIES HAS APPROVED SUCH FILING AND IT WILL NOT DIRECTLY OR INDIRECTLY INSTITUTE OR CAUSE TO BE INSTITUTED AGAINST
THE TRANSFEROR ANY BANKRUPTCY, REORGANIZATION, ARRANGEMENT, INSOLVENCY OR LIQUIDATION PROCEEDING OR OTHER PROCEEDING UNDER ANY
FEDERAL OR STATE BANKRUPTCY LAW IN ANY INSTANCE; PROVIDED, THAT THE FOREGOING SHALL NOT IN ANYWAY LIMIT THE NOTEHOLDER’S
RIGHTS TO PURSUE ANY OTHER CREDITOR RIGHTS OR REMEDIES THAT THE NOTEHOLDERS MAY HAVE FOR CLAIMS AGAINST THE ISSUER.

 

THE HOLDER OF THIS
CLASS C NOTE, BY ACCEPTANCE OF THIS NOTE, AND EACH HOLDER OF A BENEFICIAL INTEREST THEREIN, AGREE TO TREAT THE CLASS C NOTES AS
INDEBTEDNESS OF THE ISSUER FOR APPLICABLE FEDERAL, STATE, AND LOCAL INCOME AND FRANCHISE TAX LAW AND FOR PURPOSES OF ANY OTHER
TAX IMPOSED ON, OR MEASURED BY, INCOME.

 

THE
HOLDER OF THIS NOTE BY ITS ACCEPTANCE OF THIS NOTE, AND EACH HOLDER OF A BENEFICIAL INTEREST THEREIN, SHALL BE DEEMED TO REPRESENT
AND WARRANT THAT EITHER (I) SUCH HOLDER IS NOT (AND FOR SO LONG AS IT HOLDS SUCH NOTE WILL NOT BE), IS NOT ACTING ON BEHALF OF
(AND FOR SO LONG AS IT HOLDS SUCH NOTE WILL NOT BE ACTING ON BEHALF OF), AND IS NOT INVESTING THE ASSETS OF (A) AN "EMPLOYEE
BENEFIT PLAN" (AS DEFINED IN SECTION 3(3) OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"))
THAT IS SUBJECT TO TITLE I OF ERISA, (B) A "PLAN" (AS DEFINED IN SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS
AMENDED (THE "CODE")) THAT IS SUBJECT TO SECTION 4975 OF THE CODE, (C) AN ENTITY WHOSE
UNDERLYING ASSETS ARE DEEMED TO BE PLAN ASSETS OF A PLAN DESCRIBED IN (A) OR (B) ABOVE OR (D) A GOVERNMENTAL PLAN, CHURCH PLAN
OR NON-U.S. PLAN THAT IS SUBJECT TO ANY APPLICABLE LAW THAT IS SUBSTANTIALLY SIMILAR TO THE FIDUCIARY RESPONSIBILITY PROVISIONS
OF ERISA OR SECTION 4975 OF THE CODE (“SIMILAR LAW”) OR (II) ITS ACQUISITION, CONTINUED HOLDING AND DISPOSITION OF
THIS NOTE WILL NOT RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER ERISA OR SECTION 4975 OF THE CODE OR A VIOLATION OF ANY
SIMILAR LAW.

 

    	A-II-2

    	 

    

	REGISTERED

No. R-1	$55,000,000

CUSIP NO. 36159J BY6

 

GE CAPITAL CREDIT CARD

MASTER NOTE TRUST SERIES 2010-1

 

CLASS C SERIES 2010-1 5.75% ASSET BACKED
NOTE

 

GE Capital Credit Card
Master Note Trust (herein referred to as the “Issuer” or the “Trust”), a Delaware statutory
trust governed by a Trust Agreement dated as of September 25, 2003, for value received, hereby promises to pay to Cede & Co.,
or registered assigns, subject to the following provisions, the principal sum of FIFTY FIVE MILLION DOLLARS, or such greater or
lesser amount as determined in accordance with the Indenture, on the March 2018 Payment Date, except as otherwise provided below
or in the Indenture. The Issuer will pay interest on the unpaid principal amount of this Note at the Class C Note Interest Rate
on each Payment Date until the Final Payment Date (which is the earlier to occur of (a) the Payment Date on which the Note Principal
Balance is paid in full, (b) the date on which the Collateral Amount is reduced to zero and (c) the March 2018 Payment Date). Interest
on this Note will accrue for each Payment Date from and including the most recent Payment Date on which interest has been paid
to but excluding such Payment Date or, for the initial Payment Date, from and including the Closing Date to but excluding such
Payment Date. Interest will be computed on the basis of a 360-day year of twelve 30-day months. Principal of this Note shall be
paid in the manner specified in the Indenture Supplement referred to on the reverse hereof.

 

The principal of and
interest on this Note are payable in such coin or currency of the United States of America as at the time of payment is legal tender
for payment of public and private debts.

 

Reference is made to
the further provisions of this Note set forth on the reverse hereof, which shall have the same effect as though fully set forth
on the face of this Note.

 

Unless the certificate
of authentication hereon has been executed by or on behalf of the Indenture Trustee, by manual signature, this Note shall not be
entitled to any benefit under the Indenture or the Indenture Supplement referred to on the reverse hereof, or be valid for any
purpose.

 

THIS CLASS C NOTE IS
SUBORDINATED TO THE EXTENT NECESSARY TO FUND PAYMENTS ON THE CLASS A AND CLASS B NOTES TO THE EXTENT SPECIFIED IN THE INDENTURE
SUPPLEMENT.

 

    	A-II-3

    	 

    

 

IN WITNESS WHEREOF,
the Issuer has caused this Class C Note to be duly executed.

 

GE
CAPITAL CREDIT CARD MASTER NOTE TRUST, as Issuer

 

 

		By:	BNY MELLON TRUST OF DELAWARE not in its individual capacity but solely as

Trustee on behalf of Issuer

 

 

 

By:                                                                                                 

Name:

Title:

 

Dated:                          ,             

  

    	A-II-4

    	 

    

 

INDENTURE TRUSTEE’S CERTIFICATE OF
AUTHENTICATION

 

This is one of the Class C Notes described in the within-mentioned
Indenture.

 

DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee

 

		By:	

	 
	 	 	Authorized Signatory	 

 

    	A-II-5

    	 

    

 

GE CAPITAL CREDIT CARD

MASTER NOTE TRUST SERIES 2010-1

 

CLASS C SERIES 2010-1 5.75% ASSET BACKED
NOTE

Summary of Terms and Conditions

 

This Class C Note is
one of a duly authorized issue of Notes of the Issuer, designated as GE Capital Credit Card Master Note Trust, Series 2010-1 (the
“Series 2010-1 Notes”), issued under a Master Indenture dated as of September 25, 2003 (as amended, the “Master
Indenture”), between the Issuer and Deutsche Bank Trust Company Americas, as indenture trustee (the “Indenture
Trustee”), as supplemented by the Indenture Supplement dated as of March 31, 2010 (the “Indenture Supplement”),
and representing the right to receive certain payments from the Issuer. The term “Indenture,” unless the context otherwise
requires, refers to the Master Indenture as supplemented by the Indenture Supplement. The Notes are subject to all of the terms
of the Indenture. All terms used in this Note that are defined in the Indenture shall have the meanings assigned to them in or
pursuant to the Indenture. In the event of any conflict or inconsistency between the Indenture and this Note, the Indenture shall
control.

 

The Class A Notes and
the Class B Notes will also be issued under the Indenture.

 

The Noteholder, by
its acceptance of this Note, agrees that it will look solely to the property of the Issuer allocated to the payment of this Note
for payment hereunder and that neither the Owner Trustee nor the Indenture Trustee is liable to the Noteholders for any amount
payable under the Notes or the Indenture or, except in the case of the Indenture Trustee as expressly provided in the Indenture,
subject to any liability under the Indenture.

 

This Note does not
purport to summarize the Indenture and reference is made to the Indenture for the interests, rights and limitations of rights,
benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Indenture Trustee.

 

THIS CLASS C NOTE DOES
NOT REPRESENT AN OBLIGATION OF, OR AN INTEREST IN, THE ISSUER, GE MONEY BANK, RFS HOLDING, L.L.C., OR ANY OF THEIR AFFILIATES,
AND IS NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY OR INSTRUMENTALITY.

 

The Issuer, the Indenture
Trustee and any agent of the Issuer or the Indenture Trustee shall treat the person in whose name this Class C Note is registered
as the owner hereof for all purposes, and neither the Issuer, the Indenture Trustee nor any agent of the Issuer or the Indenture
Trustee shall be affected by notice to the contrary.

 

THIS CLASS C NOTE SHALL
BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE
OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

 

    	A-II-6

    	 

    
 

ASSIGNMENT

 

Social Security or other identifying number of assignee                              

 

FOR VALUE RECEIVED,
the undersigned hereby sells, assigns and transfers unto                                  
(name and address of assignee) the within certificate and all rights thereunder, and hereby irrevocably constitutes and appoints
                            
attorney, to transfer said certificate on the books kept for registration thereof, with full power of substitution in the premises.

 

	Dated:	 	 	 	**
	 	 	 	Signature Guaranteed:	 

 

 

 

 

 

 

**          The signature to this assignment must correspond
with the name of the registered owner as it appears on the face of the within Note in every particular, without alteration, enlargement
or any change whatsoever.

 

    	A-II-7

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