Document:

toca-ex103_192.htm

 

Exhibit 10.3

FIRST AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT

THIS FIRST AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this “Amendment”) is entered into as of August 3, 2018 (the “First Amendment Date”), by and among OXFORD FINANCE LLC, a Delaware limited liability company with an office located at 133 North Fairfax Street, Alexandria, Virginia 22314, as collateral agent (in its individual capacity, “Oxford”; and in its capacity as collateral agent, “Collateral Agent”), the Lenders listed on Schedule 1.1 of the Loan Agreement (as defined below) or otherwise party thereto from time to time including Oxford in its capacity as a Lender and SILICON VALLEY BANK, a California corporation with an office located at 3003 Tasman Drive, Santa Clara, CA 95054 (“Bank” or “SVB”) (each a “Lender” and collectively, the “Lenders”), and TOCAGEN INC., a Delaware corporation with offices located at 4242 Campus Point Ct., San Diego, CA 92121 (“Borrower”). 

WHEREAS, Collateral Agent, Borrower and the Lenders party to the Loan Agreement from time to time have entered into that certain Amended and Restated Loan and Security Agreement, dated as of May 18, 2018 (as amended, supplemented or otherwise modified from time to time, the “Loan Agreement”) pursuant to which the Lenders have provided to Borrower certain loans in accordance with the terms and conditions thereof; 

WHEREAS, Borrower, the Lenders and Collateral Agent desire to amend certain provisions of the Loan Agreement, but only to the extent, in accordance with the terms, subject to the conditions and in reliance upon the representations and warranties set forth below;

NOW, THEREFORE, in consideration of the promises, covenants and agreements contained herein, and other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, Borrower, the Lenders and Collateral Agent hereby agree as follows:

	
 
	
1.
	
Capitalized terms used herein but not otherwise defined shall have the respective meanings given to them in the Loan Agreement.

 

	
 
	
2.
	
Borrower hereby reaffirms the security interest granted by Borrower previously in Section 4.1 of the Loan Agreement with respect to the Collateral.

 

	
 
	
3.
	
Section 6.2 of the Loan Agreement is hereby amended by amending and restating clause (a)(i) therein as in its entirety as follows:

 

“(i)as soon as available, but no later than thirty (30) days after the last day of each quarter, a company prepared consolidated (and consolidating, if applicable) balance sheet, income statement and cash flow statement covering the consolidated operations of Borrower and its Subsidiaries for such quarter certified by a Responsible Officer and in a form reasonably acceptable to Collateral Agent;”

	
 
	
4.
	
Section 6.2 of the Loan Agreement is hereby amended by amending and restating clause (b) therein as in its entirety as follows:

 

“(b)Concurrently with the delivery of the financial statements specified in Section 6.2(a)(i) above but no later than thirty (30) days after the last day of each quarter, deliver to each Lender, a duly completed Compliance Certificate signed by a Responsible Officer.”

	
 
	
5.
	
Section 7.1 of the Loan Agreement is hereby amended by amending and restating it in its entirety as follows:

 

“7.1Dispositions. Convey, sell, lease, transfer, assign, or otherwise dispose of (collectively, “Transfer”), or permit any of its Subsidiaries to Transfer, all or any part of its business or property, except for Transfers (a) of Inventory in the ordinary course of business; (b) of worn-out or obsolete Equipment; (c) other than Transfers permitted pursuant to Section 7.1(d) below, in the ordinary course of business in an aggregate amount not to exceed Two Hundred Fifty Thousand Dollars ($250,000.00) in any fiscal year so 

1

 

long as such Transfers are not otherwise prohibited by this Agreement; (d) consisting of the sale and lease back of Equipment, provided that the aggregate the cost or fair market value of all such Equipment does not exceed Two Million Dollars ($2,000,000.00) at any time; and (e) in connection with Permitted Liens, Permitted Investments and Permitted Licenses.”

	
 
	
6.
	
Section 13.1 of the Loan Agreement is hereby amended by amending and restating clause (e) of the definition of “Permitted Indebtedness” therein in its entirety as follows:

 

“(e) Indebtedness consisting of capitalized lease obligations, equipment financings (including in connection with sale and lease backs permitted pursuant to Section 7.1(d) of this Agreement) and purchase money Indebtedness, in each case incurred by Borrower or any of its Subsidiaries to finance the acquisition, repair, improvement or construction of fixed or capital assets of such person, provided that (i) the aggregate outstanding principal amount of all such Indebtedness does not exceed Two Million Dollars ($2,000,000.00) at any time and (ii) the principal amount of such Indebtedness does not exceed the lower of the cost or fair market value of the property so acquired or built or of such repairs or improvements financed with such Indebtedness (each measured at the time of such acquisition, repair, improvement or construction is made);

 

	
 
	
7.
	
Section 13.1 of the Loan Agreement is hereby amended by amending and restating clause (d) of the definition of “Permitted Liens” therein in its entirety as follows:

 

“(d) Liens of carriers, warehousemen, suppliers, or other Persons that are possessory in nature arising in the ordinary course of business so long as such Liens attach only to Inventory, securing liabilities in the aggregate amount not to exceed Two Hundred Fifty Thousand Dollars ($250,000.00) (except that such limit shall not apply to statutory Liens of any contract manufacturers identified on the Perfection Certificate to the extent that any such Lien arises as a matter of law, is in the ordinary course of business, attaches only to Inventory, and is disclosed in writing to Collateral Agent), and which are not delinquent or remain payable without penalty or which are being contested in good faith and by appropriate proceedings which proceedings have the effect of preventing the forfeiture or sale of the property subject thereto;

 

	
 
	
8.
	
Exhibit C to the Loan Agreement is hereby amended by amending and restating it in its entirety as set forth on Exhibit C attached thereto.

 

	
 
	
9.
	
Limitation of Amendment.

 

	
 
	
a.
	
The amendments set forth in Sections 3 through 8, above, are effective for the purposes set forth herein and shall be limited precisely as written and shall not be deemed to (i) be a consent to any amendment, waiver or modification of any other term or condition of any Loan Document, or (ii) otherwise prejudice any right or remedy which the Lenders, or obligation which Borrower, may now have or may have in the future under or in connection with any Loan Document.

 

	
 
	
b.
	
This Amendment shall be construed in connection with and as part of the Loan Documents and all terms, conditions, representations, warranties, covenants and agreements set forth in the Loan Documents, except as herein amended, are hereby ratified and confirmed and shall remain in full force and effect.

 

	
 
	
10.
	
Release by Borrower.

 

	
 
	
a.
	
FOR GOOD AND VALUABLE CONSIDERATION, Borrower hereby forever relieves, releases, and discharges Collateral Agent and each Lender and their respective present or former employees, officers, directors, agents, representatives, attorneys, and each of them, from any and all claims, debts, liabilities, demands, obligations, promises, acts, agreements, costs and expenses, actions and causes of action, of every type, kind, nature, description or character whatsoever, whether known or unknown, suspected or unsuspected, absolute or contingent, arising out of or in any manner whatsoever connected with or related to facts, circumstances, issues, controversies or claims existing or arising from the beginning of time through and including the date of execution 

2

 

	
 
		
of this Amendment solely to the extent such claims arise out of or are in any manner whatsoever connected with or related to the Loan Documents, the Recitals hereto, any instruments, agreements or documents executed in connection with any of the foregoing or the origination, negotiation, administration, servicing and/or enforcement of any of the foregoing (collectively “Released Claims”).

 

	
 
	
b.
	
In furtherance of this release, Borrower expressly acknowledges and waives any and all rights under Section 1542 of the California Civil Code, which provides as follows: 

 

“A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.” (Emphasis added.)

 

	
 
	
c.
	
By entering into this release, Borrower recognizes that no facts or representations are ever absolutely certain and it may hereafter discover facts in addition to or different from those which it presently knows or believes to be true, but that it is the intention of Borrower hereby to fully, finally and forever settle and release all matters, disputes and differences, known or unknown, suspected or unsuspected in respect of the Released Claims; accordingly, if Borrower should subsequently discover that any fact that it relied upon in entering into this release was untrue, or that any understanding of the facts was incorrect, Borrower shall not be entitled to set aside this release by reason thereof, regardless of any claim of mistake of fact or law or any other circumstances whatsoever. Borrower acknowledges that it is not relying upon and has not relied upon any representation or statement made by Bank with respect to the facts underlying this release or with regard to any of such party’s rights or asserted rights.

 

	
 
	
d.
	
This release may be pleaded as a full and complete defense and/or as a cross-complaint or counterclaim against any action, suit, or other proceeding that may be instituted, prosecuted or attempted in breach of this release. Borrower acknowledges that the release contained herein constitutes a material inducement to Collateral Agent and the Lenders to enter into this Amendment, and that Collateral Agent and the Lenders would not have done so but for Collateral Agent’s and the Lenders’ expectation that such release is valid and enforceable in all events.

 

	
 
	
e.
	
Borrower hereby represents and warrants to Collateral Agent and the Lenders, and Collateral Agent and the Lenders are relying thereon, as follows:

 

	
 
	
i.
	
Except as expressly stated in this Amendment, neither Collateral Agent, the Lenders nor any agent, employee or representative of any of them has made any statement or representation to Borrower regarding any fact relied upon by Borrower in entering into this Amendment.

 

	
 
	
ii.
	
Borrower has made such investigation of the facts pertaining to this Amendment and all of the matters appertaining thereto, as it deems necessary.

 

	
 
	
iii.
	
The terms of this Amendment are contractual and not a mere recital.

 

	
 
	
iv.
	
This Amendment has been carefully read by Borrower, the contents hereof are known and understood by Borrower, and this Amendment is signed freely, and without duress, by Borrower.

 

	
 
	
v.
	
Borrower represents and warrants that it is the sole and lawful owner of all right, title and interest in and to every claim and every other matter which it releases herein, and that it has not heretofore assigned or transferred, or purported to assign or transfer, to any person, firm or entity any claims or other matters herein released. Borrower shall indemnify Collateral Agent and the Lenders, defend and hold each harmless from and 

3

 

	
 
		
against all claims based upon or arising in connection with prior assignments or purported assignments or transfers of any claims or matters released herein.

 

	
 
	
11.
	
To induce Collateral Agent and the Lenders to enter into this Amendment, Borrower hereby represents and warrants to Collateral Agent and the Lenders as follows: 

 

	
 
	
a.
	
Immediately after giving effect to this Amendment (i) the representations and warranties contained in the Loan Documents are true, accurate and complete in all material respects as of the date hereof (except to the extent such representations and warranties relate to an earlier date, in which case they are true and correct as of such date) and (ii) no Event of Default has occurred and is continuing;

 

	
 
	
b.
	
Borrower has the power and due authority to execute and deliver this Amendment and to perform its obligations under the Loan Agreement, as amended by this Amendment; 

 

	
 
	
c.
	
The organizational documents of Borrower delivered to Collateral Agent on the Effective Date remain true, accurate and complete and have not been amended, supplemented or restated and are and continue to be in full force and effect;

 

	
 
	
d.
	
The execution and delivery by Borrower of this Amendment and the performance by Borrower of its obligations under the Loan Agreement, as amended by this Amendment, do not and will not contravene (i) any law or regulation binding on or affecting Borrower, (ii) any contractual restriction with a Person binding on Borrower, (iii) any order, judgment or decree of any court or other governmental or public body or authority, or subdivision thereof, binding on Borrower, or (iv) the organizational documents of Borrower; 

 

	
 
	
e.
	
The execution and delivery by Borrower of this Amendment and the performance by Borrower of its obligations under the Loan Agreement, as amended by this Amendment, do not require any order, consent, approval, license, authorization or validation of, or filing, recording or registration with, or exemption by any governmental or public body or authority, or subdivision thereof, binding on Borrower, except as already has been obtained or made; and 

 

	
 
	
f.
	
This Amendment has been duly executed and delivered by Borrower and is the binding obligation of Borrower, enforceable against Borrower in accordance with its terms, except as such enforceability may be limited by bankruptcy, insolvency, reorganization, liquidation, moratorium or other similar laws of general application and equitable principles relating to or affecting creditors’ rights. 

 

	
 
	
12.
	
Except as expressly set forth herein, the Loan Agreement shall continue in full force and effect without alteration or amendment.  This Amendment and the Loan Documents represent the entire agreement about this subject matter and supersede prior negotiations or agreements.

 

	
 
	
13.
	
This Amendment shall be deemed effective as of the First Amendment Date upon (a) the due execution and delivery to Collateral Agent of this Amendment by each party hereto, and (b) Borrower’s payment of all Lenders’ Expenses incurred through the date hereof, which may be debited (or ACH’d) from any of Borrower’s accounts with the Lenders. 

 

	
 
	
14.
	
This Amendment may be executed in any number of counterparts, each of which shall be deemed an original, and all of which, taken together, shall constitute one and the same instrument.

 

	
 
	
15.
	
This Amendment and the rights and obligations of the parties hereto shall be governed by and construed in accordance with the laws of the State of California.

 

 

[Balance of Page Intentionally Left Blank]

 

4

 

IN WITNESS WHEREOF, the parties hereto have caused this First Amendment to Amended and Restated Loan and Security Agreement to be executed as of the date first set forth above.

			
	
BORROWER:
	
 
	
 

	
 
	
 
	
 

	
TOCAGEN INC.
	
 
	
 

	
 
	
 
	
 

	
 
	
 
	
 

	
By /s/ Mark Foletta 
	
 
	
 

	
Name: Mark Foletta
	
 
	
 

	
Title: Chief Financial Officer
	
 
	
 

	
 
	
 
	
 

	
 
	
 
	
 

	
 
	
 
	
 

	
COLLATERAL AGENT AND LENDER:

 

OXFORD FINANCE LLC

 

 

By:  /s/ Colette Featherly

Name:  Colette Featherly

Title:  Senior Vice President

 

 
	
 
	
 

	
 
	
 
	
 

	
LENDER:

 

SILICON VALLEY BANK

 

 

By:  /s/ Kristine Rohmer

Name:  Kristine Rohmer 

Title:  Vice PresidentEX-10.1

 Exhibit 10.1 

THIRD AMENDMENT TO AMENDED AND RESTATED 

LOAN AND SECURITY AGREEMENT 

This THIRD AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT, dated as of August 7, 2018 (this
“Amendment”), is entered into among REIS SERVICES, LLC, a Maryland limited liability company, as borrower (“Borrower”), REIS, INC., a Maryland corporation, as guarantor (“Parent”) and
CAPITAL ONE, NATIONAL ASSOCIATION, a national banking association, as lender (“Lender”). Capitalized terms used and not otherwise defined herein shall have the meanings assigned to such terms in the Loan Agreement (as defined
below). 
 WHEREAS, Borrower, Parent and Lender are parties to that certain Amended and Restated Loan and Security
Agreement, dated as of January 28, 2016 (as amended, restated, supplemented or otherwise modified from time to time, the “Loan Agreement”) 

WHEREAS, Borrower and Parent have requested that Lender agree to certain amendments to the Loan Agreement, and, pursuant to
Section 15.1 of the Loan Agreement, Lender has agreed to amend the Loan Agreement as herein provided; and 
 NOW,
THEREFORE, in consideration of the mutual agreements, provisions and covenants contained herein and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto, intending to be legally
bound hereby, agree as follows: 
 Section 1.  Amendment to the Loan Agreement.
    Subject to satisfaction of the conditions precedent set forth in Section 2 hereof, the Loan Agreement shall be amended as follows: 

(a)       Section 1.1 thereof is hereby amended by inserting the following defined term in
its appropriate alphabetical order: 
 “Fiscal Period” means (i) fiscal year or (ii) when
determining compliance with Section 3.2(d)(y), fiscal quarter, as applicable. 

(b)       Section 1.1 thereof is hereby further amended by amending and restating the
following defined term in its entirety: 
 “Fixed Charge Coverage Ratio” means, with respect to each
Fiscal Period of Parent and its Subsidiaries on a consolidated basis, including the Borrower, the ratio of (a) Adjusted EBITDA minus capital expenditures (as reported on the consolidated Statement of Cash Flows of the Parent for (i) web
site and database development costs and (ii) furniture, fixtures and equipment additions) all during such Fiscal Period, other than such one-time capital expenditures associated with Borrower’s
relocation to new offices (the “New Location”) (net of the contributions made to Borrower by the New Location landlord), divided by (b) the sum of (i) all payments made during such Fiscal Period in respect of long term
Indebtedness (excluding the repayments of any Advances), plus (ii) all payments made 

 
during such Fiscal Period in respect of Capitalized Lease Obligations, plus (iii) Interest Expense paid in cash during such Fiscal Period, plus (iv) dividends paid in cash
during such Fiscal Period, plus (v) income taxes paid in cash during such Fiscal Period, plus (vi) cash payments made in respect of Equity Interest redemptions during such Fiscal Period; provided that this clause
(b) shall not include any cash payments made to consummate all or any portion of the Permitted Share Repurchase Program. 

(c)       Section 3.2 thereof is hereby amending by (x) deleting the reference to
“and” at the end of clause (b), (y) deleting the period at the end of clause (c) and inserting “, and” in lieu thereof and (z) inserting the following new clause (d) immediately following the existing clause
(c) thereof: 
 “(d) (x) Obligated Parties are in compliance with the covenants contained in
Section 7.19(a) and (d) and (y) Parent on a consolidated basis shall demonstrate a Fixed Charge Coverage Ratio, as of the last day of the most recent fiscal quarter for which financial statements have been provided or were required to have
been provided (pursuant to Section 6.2(a) or 6.2(b)) preceding such Advance request, for the four fiscal quarters then ending, of not less than 1.15 to 1.00. 

(d)       Section 7.10 thereof shall be amended by amending and restating clause
(c) thereof in its entirety as follows: 
 “(c) (i) pursuant to a regularly planned dividend schedule as
determined by the Board of Directors of Parent; (ii) in order to enable Parent to redeem or repurchase Equity Interests from holders of such Equity Interests; and (iii) otherwise for any purpose, so long as, in each case of (i), (ii) and
(iii), within five (5) Business Days prior to making any such dividend or distribution a Responsible Officer of such Obligated Party shall notify Lender, in writing, of the amount of such dividend or distribution.” 

(e)       Section 7.19 thereof shall be amended by amending and restating clauses (b), (c)
and (d) thereof in their entirety as follows: 
 “(b)     Fixed Charge Coverage
Ratio. A Fixed Charge Coverage Ratio, as of the last day of each fiscal year for the four fiscal quarters then ending (commencing with the fiscal year ending December 31, 2015), of not less than 1.15 to 1.00; provided that,
notwithstanding the foregoing, the Fixed Charge Coverage Ratio will not be tested for any fiscal year during which no Notice of Borrowing was made by Borrower. 

(c)       Intentionally Omitted. 

(d)       Minimum Deposit Amount. Borrower shall maintain at least $10,000,000 of
average collected balances in non-interest bearing demand 

  
 2 

 
deposit accounts with CONA at all times during the period commencing on the Second Amendment Effective Date through and including the Maturity Date.” 

(f)        Exhibit 2.3 to the Loan Agreement shall be amended and restated in its
entirety in the form attached hereto. 
 (g)       Exhibit C-1 to the Loan Agreement shall be amended by deleting the existing clause (4) thereof in its entirety and inserting the following in lieu thereof: 

“Parent and its direct and indirect consolidated Subsidiaries are in compliance with the [[FIRST THREE FISCAL QUARTERS:]
covenants contained in Sections 7.19(a) and (d)]] [[FOURTH FISCAL QUARTER:] covenants contained in Sections 7.19(a), (b) (if tested) and (d)] of the Loan Agreement as demonstrated on Schedule 3 attached hereto.” 

Section 2.  Effectiveness.   This Amendment shall become effective on the date on which
Lender shall have received each of the following: 
 (a)       executed counterparts of
this Amendment, each of which shall be originals or facsimiles or “.pdf” or “tiff” files, properly executed by (i) Borrower, (ii) Parent and (iii) Lender; and 

(b)       an amendment fee of $15,000, which shall be fully earned and payable on the date
hereof, and which shall be charged by Lender to Borrower’s Loan Account in accordance with Section 2.9(c) of the Loan Agreement 

Section 3.  Representations and Warranties.     Borrower and Parent hereby
represent and warrant as follows: 
 (a)       This Amendment and the Loan Agreement, as
amended hereby, constitute legal, valid and binding obligations of Borrower and Parent and are enforceable against Borrower and Parent in accordance with their respective terms, accept as enforcement may be limited by equitable principles or by
bankruptcy, insolvency, reorganization, moratorium, or similar laws relating to or limiting creditors’ rights generally. 

(b)       Upon the effectiveness of this Amendment, Borrower and Parent hereby reaffirm
all covenants, representations and warranties made in the Loan Agreement (other than those in Section 4.5 and 5.12 of the Loan Agreement) to the extent the same are not amended hereby and agree that all such covenants, representations and
warranties shall be deemed to have been remade as of the effective date of this Amendment, except for such representations and warranties as are by their express terms limited to a specific date, in which case Borrower and Parent hereby reaffirm
that they shall have been true and correct as of such specified date. 
 (c)       After
giving effect to this Amendment, no Event of Default or Default shall have occurred or be continuing. 

  
 3 

 (d)       Borrower and Parent have no
defense, counterclaim or offset with respect to the Loan Agreement. 
 Section 4.  Counterparts.
    This Amendment may be executed in any number of counterparts and by different parties hereto on separate counterparts, each of which when so executed and delivered shall be deemed to be an original, but all of which when
taken together shall constitute a single instrument. Delivery of an executed counterpart of a signature page of this Amendment by facsimile or any other electronic transmission shall be effective as delivery of a manually executed counterpart
hereof. 
 Section 5.  Applicable Law.     THIS AMENDMENT AND THE RIGHTS AND
OBLIGATIONS OF THE PARTIES HEREUNDER SHALL BE DETERMINED UNDER, GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES THAT WOULD REQUIRE OR PERMIT THE LAWS OF ANY OTHER
JURISDICTION TO APPLY. 
 Section 6.  Headings.  The headings of this Amendment are for
purposes of reference only and shall not limit or otherwise affect the meaning hereof. 
 Section 7.  Loan
Document.  This Amendment shall be deemed a Loan Document for all purposes of the Loan Agreement and the other Loan Documents. On and after the date hereof, each reference in the Loan Agreement to “this Agreement,”
“hereunder,” “hereof,” or words of like import referring to the Loan Agreement shall mean and be a reference to the Loan Agreement, as amended by this Amendment. 

Section 8.  Effect of Amendment.  Subject to satisfaction of the conditions precedent set forth
in Section 2 hereof, Lender hereby waives any Defaults or Events of Default occurring under Article 8 of the Loan Agreement prior to the date hereof as a result of Obligated Parties’ failure to comply with any obligations under the Loan
Agreement that would not constitute a Default or an Event of Default under Article 8 of the Loan Agreement as amended by this Amendment. Notwithstanding the foregoing, the waiver in this Section 8 does not establish a course of conduct between
the Borrower, Parent and Lender, and each of Borrower and Parent hereby agrees that Lender is not obligated to waive any future Defaults or Events of Default under the Loan Agreement. Except as expressly set forth herein, this Amendment shall not
alter, modify, amend or in any way affect any of the terms, conditions, obligations, covenants or agreements contained in the Loan Agreement or any other provision of the Loan Agreement or any other Loan Document. Each and every term, condition,
obligation, covenant and agreement contained in the Loan Agreement or any other Loan Document is hereby ratified and re-affirmed in all respects and shall continue in full force and effect and nothing herein
can or may be construed as a novation thereof. 
 [Remainder of Page Intentionally Left Blank] 

  
 4 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly
executed by their respective authorized officers as of the day and year first above written. 
  

			
	REIS SERVICES, LLC, a Maryland limited liability company
	
	By:         /s/
Mark P. Cantaluppi                    
	Name:	 	Mark P. Cantaluppi
	Title:	 	Vice President and Chief Financial Officer
	
	REIS, INC., a Maryland corporation
	
	By:         /s/
Mark P. Cantaluppi                    
	Name:	 	Mark P. Cantaluppi
	Title:	 	Vice President and Chief Financial Officer

  
 [Third Amendment to
Amended and Restated Revolving Loan and Security Agreement] 

 
			
	CAPITAL ONE, NATIONAL ASSOCIATION,
	as national banking association,
	
	By:         /s/ Nellya
Davydova                        
	Name:	 	Nellya Davydova
	Title:	 	Vice President

  
 [Third Amendment to
Amended and Restated Revolving Loan and Security Agreement]

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00286-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00286-of-00352.parquet"}]]