Document:

Exhibit 10.1

 

LOAN AGREEMENT

 

THIS LOAN AGREEMENT (this “AGREEMENT”),
dated this 4th day of November 2013, is by and between PAN GLOBAL, CORP., a Nevada corporation (the “Company”
or the “Borrower”), and ANATOM ASSOCIATES, S.A., (“Anatom” or the “Lender,”
and together with the Company, the “Parties,” and each, a “Party”).

 

RECITALS

 

WHEREAS,
the Company has previously borrowed an aggregate of $353,500 USD pursuant to a series of one-year Promissory Notes, as amended,
bearing interest at the rate of eight percent (8%) per annum (collectively, the “Promissory Notes,” and each,
a “Promissory Note”), each of which is currently outstanding;

 

WHEREAS,
on September 27, 2013, the Parties entered into a certain non-binding Memorandum of Understanding (the “MOU”)
pursuant to which the Parties expressed their mutual understanding that the Lender may, from time to time, purchase, and the Borrower
shall issue, one or more Promissory Notes to the Lender for up to an aggregate principal amount of One Million United States Dollars
($1,000,000 USD) (the “Maximum Amount”), in addition to the previously issued Promissory Notes, on the same
terms and conditions of the Promissory Note substantially in the form of Exhibit A attached hereto;

 

WHEREAS,
as of the date of this Agreement, the Company has borrowed an aggregate of $118,500 USD of the Maximum Amount; and

 

WHEREAS,
the Parties wish to enter into this Agreement to set forth the terms and conditions of the MOU.

 

NOW, THEREFORE,
in consideration of the premises set forth above and other good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, the Parties agree as follows:

 

Article
I

Definitions

 

Section
1.01 Definitions. Capitalized terms used
herein shall have the meanings set forth in this Section 1.01.

 

    	 

    	 

    

 

“Acquisition”
means acquisition by Pan Asia of 100% of the equity and debt (if not previously converted) of
RYEL pursuant to the Acquisition Agreement. 

 

“Acquisition
Agreement” means that certain Stock Purchase Agreement, dated October 28, 2013, by and between RYEL,
Mr. Arun Sharma, each of the remaining stockholders of RYEL, and Pan Asia Infratech.

 

“Agreement”
means this Loan Agreement, as the same may be amended, amended and restated, supplemented or otherwise modified from time to time
to the extent permitted under this Loan Agreement.

 

“Bankruptcy
Code” means Title 11 of the United States Code, as amended from time to time, or any similar federal or state
law for the relief of debtors.

 

“Borrower”
has the meaning specified in the Preamble.

 

“Borrowing
Date” means any Business Day specified by the Borrower in a Borrowing Notice as a date on which the Borrower requests
the relevant Lenders to make Loans under the Loan Agreement.

 

“Borrowing
Notice” with respect to any request for a borrowing of Loans hereunder, means a written notice from the Borrower
to the Lender.

 

“Business
Day” means a day other than a Saturday, Sunday or other day on which commercial banks in New York City are authorized
or required by law to close.

 

“Change
of Control” means (a) any Person or group of persons within the meaning of § 13(d)(3) of the Securities Exchange
Act of 1934, as amended, promulgated by the SEC, becomes the beneficial owner, directly or indirectly, of a majority or more of
the outstanding Equity Interests of the Borrower, (b) individuals who currently constitute the board of directors cease for any
reason to constitute at least a majority of the board of directors of the Borrower, or (c) Borrower shall cease to own and control,
of record and beneficially 100% of each class of outstanding Equity Interests of Pan Asia.

 

“Commitment”
means the obligations of the Lender to purchase the Promissory Notes under this Agreement.

 

“Contractual
Obligation” means, as to any Person, any provision of any security issued by such Person or of any agreement,
instrument or other undertaking to which such Person is a party or by which it or any of its property is bound.

 

“Debtor
Relief Laws” means the Bankruptcy Code and all other liquidation, bankruptcy, assignment for the benefit of creditors,
conservatorship, moratorium, receivership, insolvency, rearrangement, reorganization or similar debtor relief laws of the US or
other applicable jurisdictions in effect from time to time.

 

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“Dollars”
means the lawful currency of the United States of America.

 

“Equity
Interests” means any and all shares, interests, participations or other equivalents (however designated) of capital
stock of a corporation, any and all equivalent ownership (or profit) interests in a Person (other than a corporation), securities
convertible into or exchangeable for shares of capital stock of (or other ownership or profit interests in) such Person, and any
and all warrants, rights or options to purchase any of the foregoing, whether voting or nonvoting, and whether or not such shares,
warrants, options, rights or other interests are authorized or otherwise existing on any date of determination.

 

“Governmental
Action” means any consent, approval, waiver, authorization, exception, variance, order, exemption, publication,
filing, declaration, concession, grant, franchise, agreement, permission, permit or license of or with any Governmental Authority,
any required notice to or registration with any Governmental Authority or any other action in respect of any Governmental Authority.

 

“Governmental
Authority” means the government of any nation or any political subdivision thereof, whether at the national, state,
territorial, provincial, municipal or any other level, and any agency, authority, instrumentality, regulatory body, court, central
bank or other entity exercising executive, legislative, judicial, taxing, regulatory or administrative powers or functions of,
or pertaining to, government.

 

“Lender”
has the meaning set forth in the Preamble to this Agreement and any other Person that becomes a party hereto pursuant to an Assignment
and Assumption, other than any such Person that ceases to be a party hereto pursuant to an Assignment and Assumption.

 

“Loan
Documents” means, collectively, this Agreement, the Promissory Notes, and all other agreements, documents, certificates
and instruments executed and delivered in connection with this transactions contemplated by this Agreement.

 

“Loans” means the
aggregate borrowed by the Company from the Lender pursuant to this Agreement and Promissory Notes.

 

“Material
Adverse Effect” means a material adverse effect on (a) the business, assets, properties, liabilities (actual or
contingent), operations of the Borrower, individually, or the Borrower and its Subsidiaries taken as a whole, (b) the validity
or enforceability of any Loan Document, (c) the rights or remedies of the Lender under any Loan Document or (d) the ability of
the Borrower to perform any of its material payment obligations under any Loan Document to which it is a party.

 

“Maximum Amount” means
One Million USD ($1,000,000).

 

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“Pan Asia Infratech”
means Pan Asia Infratech Corp., a Nevada corporation and wholly-owned subsidiary of the Company:

 

“Promissory
Notes” means, collectively, the Promissory Notes issued by the Borrower for the benefit of the Lender pursuant
to this Agreement.

 

 

“Person”
means any individual, corporation, limited liability company, trust, joint venture, association, company, limited or general partnership,
unincorporated organization, Governmental Authority or other entity.

 

“Requirement
of Law” as to any Person, means the certificate of incorporation and by-laws or other organizational or governing
documents of such Person, and any law (including common law), statute, ordinance, treaty, rule, regulation, order, decree, judgment,
writ, injunction, settlement agreement, requirement or determination of an arbitrator or a court or other Governmental Authority,
in each case applicable to or binding upon such Person or any of its property or to which such Person or any of its property is
subject.

 

“RYEL” means Regency
Yamuna Energy Limited, an India corporation.

 

“SEC”
means the Securities and Exchange Commission (or successors thereto or an analogous Governmental Authority).

 

“Subsidiaries” means
Pan Asia Infratech.

 

“UPCL” means Uttarakhand
Power Corporation Limited.

 

“USD”
or “$” means United States Dollars.

 

Article
II

commitment

 

Section
2.01 Commitment.

 

(a) Subject
to the terms and conditions set forth herein the Lender agrees, from time to time on any Business Day to purchase from the Borrower,
and the Borrower agrees to sell and issue to the Lender, one or more Promissory Notes in the form of Exhibit A attached
hereto for the account of the Lender, provided, however, that the aggregate principal amount of all Promissory Notes
then outstanding shall not exceed the Maximum Amount. 

 

(b) Amounts
borrowed under this Section 2.01and repaid or prepaid may not be reborrowed.

 

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(c) The
Lender shall not be obligated to purchase nor shall the Borrower shall be obligated to issue any Promissory Note if:

 

(i) any
order, judgment or decree of any Governmental Authority or arbitrator shall by its terms purport to enjoin or restrain the Borrower
from issuing such Promissory Note, or any Requirement of Law applicable to the Parties or any request or directive (whether or
not having the force of law) from any Governmental Authority with jurisdiction over the Parties shall prohibit, or request that
the Parties refrain from the issuance of letters of credit generally or such Promissory Note in particular; 

 

(ii) the
issuance of such Promissory Note would violate one or more policies of the Parties generally applicable to the issuance or purchase,
as the case may be, of letters of credit;

 

(d) The
Parties shall not amend any Promissory Note if the Parties would not be permitted at such time to issue such Promissory Note in
its amended form under the terms hereof.

 

Section
2.02 Procedures for Borrowing.

 

(a) The
Borrower may borrow under this Agreement on any Business Day by delivering a Borrowing Notice to the Lender. 

 

(b) Within
ten (10) Business Days of receipt of any such Borrowing Notice from the Borrower, the Lender shall use its commercially reasonable
best efforts to wire the requested amount of immediately available funds to the Company’s bank account or Company’s
counsel, Philip Magri, Esq. of The Magri Law Firm, PLLC, who shall act as the escrow agent pursuant to this Agreement (the “Escrow
Agent”). The Escrow Agent shall hold the wired funds (the “Escrow Funds”) in the attorney IOLA escrow
bank account listed on Exhibit B attached hereto (the “Escrow Account”),
subject to the terms and conditions of this Agreement. The Escrow Funds shall be held as a trust fund and shall not be subject
to any lien, attachment, trustee process or any other judicial process of any creditor of any party hereto. The Escrow Agent shall
not distribute or release the Escrow Funds from the Escrow Account except in accordance with written instructions received by the
Escrow Agent from the Company.

 

Article
III

Representations
and warranties

 

To induce the Parties to enter into
this Agreement and to consummate the transactions contemplated hereby, each Party hereby represents and warrants to the other Party
that:

 

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Section
3.01 Existence; Compliance with Laws.

 

(a) It
and its Subsidiaries (i) are duly organized, validly existing and in good standing under the laws of the jurisdiction of its formation,
(ii) are duly qualified as a foreign corporation or other organization and in good standing under the laws of each jurisdiction
where its ownership, lease or operation of property or the conduct of its business requires such qualification except to the extent
that the failure to qualify in such jurisdiction would not reasonably be expected to have a Material Adverse Effect and (iii) are
in compliance with all Requirements of Law except to the extent that the failure to comply therewith would not, in the aggregate,
reasonably be expected to have a Material Adverse Effect.

 

Section
3.02 Power; Authorization; Enforceability.

 

(a) It
has the power and authority, and the legal right, to own or lease and operate its property, and to carry on the business as now
conducted and as proposed to be conducted, and to execute, deliver and perform the Loan Documents to which it is a party. It has
taken all necessary organizational action to authorize the execution, delivery and performance of the Loan Documents to which
it is a party. No consent or authorization of, filing with, notice to or other act by, or in respect of, any Governmental Authority
or any other Person is required in connection with the execution, delivery, performance, validity or enforceability of this Agreement
or any of the Loan Documents. 

 

(b) This
Agreement constitutes, and each other Loan Document when delivered hereunder will constitute, a legal, valid and binding obligation
of the Party, enforceable against the Party in accordance with its terms, except as enforceability may be limited by applicable
bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of creditors’ rights generally
and by general equitable principles (whether enforcement is sought by proceedings in equity or at law).

 

Section
3.03 No Contravention.

 

(a) The
execution, delivery and performance of this Agreement and the other Loan Documents, the borrowings hereunder and the use of the
proceeds thereof will not violate any Requirement of Law or any Contractual Obligation of any the Parties and will not result
in, or require, the creation or imposition of any lien on any of their respective properties or assets pursuant to any Requirement
of Law or any such Contractual Obligation (other than the Liens created by the Loan Documents). No Requirement of Law or Contractual
Obligation applicable to the Borrower or any of its Subsidiaries would reasonably be expected to have a Material Adverse Effect.

 

Section
3.04 No Litigation.

 

(a) No
action, suit, litigation, investigation or proceeding of or before any arbitrator or Governmental Authority is pending or, to
the knowledge of the Borrower, threatened by or against the Party or any of its Subsidiaries or against any of its property or
assets with respect to any of the Loan Documents or any of the transactions contemplated hereby or thereby.

 

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Article
IV

Covenants

 

Section
4.01 Use of Proceeds.

 

(a) The
Company covenants to use a portion of the proceeds of the Loans under this Agreement to consummate the First Closing (as defined
under the Acquisition Agreement) to enable RYEL to complete the
construction of the Project as contemplated under the Acquisition Agreement and enable the Project to be connected to the UPCL
power grid and produce power in the normal course of operations. Notwithstanding the foregoing,
the proceeds of the Loans shall be used for general corporate purposes of the Company, including
capital expenditures permitted hereunder. 

 

Section
4.02 Collateral Agreement.

 

(a) The
Parties hereby covenant to use their commercially reasonable best efforts to enter into a definitive Collateral Agreement within
ten (10) Business Days from the date of this Agreement pursuant to which the Borrower shall pledge shares of the Company’s
Series D Preferred Stock as collateral for the outstanding Promissory Notes under this Agreement (the “Pledged Securities”).

 

(b) The
aggregate stated value of the Pledged Securities shall be equivalent to the outstanding Loans under this Agreement.

 

(c) The
certificate(s) evidencing the Pledged Securities shall be registered in the name of the Lender, or its designee(s), and held by
the Escrow Agent. 

 

Article
V

Events
of Default

 

Section
5.01 Events of Default. Each of the
following events or conditions shall constitute an “Event of Default” (whether it shall be voluntary or
involuntary or come about or be effected by any Requirement of Law or otherwise):

 

(a) the
Borrower fails to pay any principal of any Promissory Note when due whether at stated maturity, by acceleration, by notice
of voluntary prepayment, by mandatory prepayment or otherwise and such failure remains unremedied for a period of ten (10)
Business Days;

 

(b) any
representation, warranty, certification or other statement of fact made or deemed made by or on behalf of the Company herein
or in any other Loan Document or any amendment or modification hereof or thereof or waiver hereunder or thereunder, proves to
have been false or misleading in any material respect on or as of the date made or deemed made;

 

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(c) the
Borrower fails to perform or observe any covenant, term, condition or agreement contained in this Agreement or other Loan
Document; and such failure continues unremedied for a period of ten Business Days after written notice to the Borrower from
Lender;

 

(d) the
Borrower or any of its Subsidiaries (x) commences any case, proceeding or other action under any existing or future Debtor
Relief Law, seeking (A) to adjudicate it as bankrupt or insolvent, or (B) reorganization, arrangement, adjustment,
winding-up, liquidation, dissolution, composition or other relief with respect to it or its debts, or (C) appointment of a
receiver, trustee, custodian, conservator or other similar official for it or for all or any substantial part of its assets,
or (y) makes a general assignment for the benefit of its creditors;

 

(e) there
is commenced against the Borrower or any of its Subsidiaries in a court of competent jurisdiction any case, proceeding or
other action of a nature referred to in clause (d) above which (x) results in the entry of an order for relief or any such
adjudication or appointment or (y) remains undismissed, undischarged, unstayed or unbonded for ninety (90) days;

 

(f) there
is commenced against the Borrower or any of its Subsidiaries, in any case, a proceeding or other action seeking issuance of a
warrant of attachment, execution or similar process against all or any substantial part of its assets which results in the
entry of an order for any such relief which has not been vacated, discharged, stayed or bonded pending appeal within ninety
(90) days from the entry thereof; or 

 

(g) any
Change of Control occurs.

 

Section
5.02 Remedies. If any Event of Default
occurs and is continuing, then, the Commitments of the Lender as set forth herein shall automatically and immediately terminate
and the Loans (with accrued interest thereon) and all other amounts owing under this Loan Agreement and the other Loan Documents
shall immediately become due and payable.

 

 

Article
VI

 

Termination

 

Section
6.01 Termination. This Agreement will
automatically terminate and be of no further force and effect upon the earlier to occur of (i) the satisfaction of all
indebtedness, including the Promissory Notes and any additional indebtedness issued hereafter, between the Company and Anatom
and (ii) written termination notice is delivered by the Company or Anatom to the other party. Notwithstanding anything in the
previous sentence, Section 7.07, Section 7.08, Section 7.09 and Section 7.10 shall survive the termination of this Agreement
and the termination of this Agreement shall not affect any rights any Party has with respect to the breach of this Agreement
by another Party prior to such termination.

 

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Article
VII

Miscellaneous Provisions

 

Section
7.01 Interpretation. For purposes of this
Agreement, (a) the words “include,” “includes” and “including” shall be deemed to be followed
by the words “without limitation”; (b) the word “or” is not exclusive; and (c) the words “herein,”
“hereof,” “hereby,” “hereto” and “hereunder” refer to this Agreement as a whole.
The definitions given for any defined terms in this Agreement shall apply equally to both the singular and plural forms of the
terms defined. Whenever the context may require, any pronoun shall include the corresponding masculine, feminine and neuter forms.
Unless the context otherwise requires, references herein to: (x) Articles, Sections, and Exhibits mean the Articles and Sections
of, and Exhibits attached to, this Agreement; (y) an agreement, instrument or other document means such agreement, instrument or
other document as amended, supplemented and modified from time to time to the extent permitted by the provisions thereof; and (z)
a statute means such statute as amended from time to time and includes any successor legislation thereto and any regulations promulgated
thereunder. This Agreement shall be construed without regard to any presumption or rule requiring construction or interpretation
against the party drafting an instrument or causing any instrument to be drafted. The Exhibits referred to herein shall be construed
with, and as an integral part of, this Agreement to the same extent as if they were set forth verbatim herein.

 

Section
7.02 Amendment and Modification. This
Amendment may only be amended, modified or supplemented by an agreement in writing signed by each Party hereto.

 

Section
7.03 Assignment. Neither Party may
assign any of its rights or delegate any of its obligations hereunder without the prior written consent of the other Party.
Any purported assignment or delegation in violation of this Section shall be null and void. No assignment or delegation shall
relieve the assigning or delegating Party of any of its obligations hereunder.

 

Section
7.04 Successors and Assigns. This
Agreement shall be binding upon and shall inure to the benefit of the Parties hereto and their respective permitted
successors and permitted assigns.

 

Section
7.05 No Third-party Beneficiaries. This
Agreement is for the sole benefit of the Parties hereto and their respective successors and permitted assigns and nothing herein,
express or implied, is intended to or shall confer upon any other person or entity any legal or equitable right, benefit or remedy
of any nature whatsoever under or by reason of this Agreement.

 

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Section
7.06 Notices.

 

(a) Notices
Generally. Except in the case of notices and other communications expressly permitted to be given by telephone (or by
e-mail as provided in paragraph (b) below), all notices and other communications provided for herein shall be made in writing
and mailed by certified or registered mail, delivered by hand or overnight courier service, or sent by facsimile as
follows:

 

	 	(i)	If to the Borrower:
	 	 	
	 	 	Pan Global, Corp.
	 	 	123 W. Nye Lane, Suite 455
	 	 	Carson City, Nevada 89706
	 	 	Attention of: Bharat Vasandani 
	 	 	Telephone: (888) 983-1623

 

	 	With a copy to:
	 	 
	 	 	Philip Magri, Esq.
	 	 	The Magri Law Firm, PLLC
	 	 	2642 NE 9th Avenue
	 	 	Fort Lauderdale, FL 33334
	 	 	T: (646) 502-5900
	 	 	F: (646) 836-9200
	 	 	pmagri@magrilaw.com
	 	 	www.magrilaw.com 

 

	 	(ii)	If to Lender: 
	 	 	Anatom Associates S.A.
	 	 	Attn: Kenneth Ciapala

 

(b) Delivery.
Notices mailed by certified or registered mail or sent by hand or overnight courier service shall be deemed to have been
given when received. Notices sent by facsimile during the recipient’s normal business hours shall be deemed to have
been given when sent (and if sent after normal business hours shall be deemed to have been given at the opening of the
recipient’s business on the next business day). 

 

(c) Change
of Address, Etc. Any party hereto may change its address or facsimile number for notices and other communications
hereunder by notice to the other parties hereto.

 

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Section
7.07 No Waiver; Cumulative Remedies. No
failure to exercise and no delay in exercising any right, remedy, power or privilege hereunder or under the other Loan Documents
shall operate as a waiver thereof; nor shall any single or partial exercise of any right, remedy, power or privilege hereunder
preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights, remedies,
powers and privileges herein provided are cumulative and not exclusive of any rights, remedies, powers and privileges provided
by law.

 

Section
7.08 Survival of Representations and Warranties. All
representations and warranties made hereunder and in the other Loan Documents (or in any amendment, modification or
supplement hereto or thereto) and in any certificate delivered pursuant hereto or such other Loan Documents shall survive the
execution and delivery of this Agreement and the making of the Loans hereunder.

 

Section
7.09 Governing Law; Jurisdiction; Etc.

 

(a) Governing
Law. This Agreement and the other Loan Documents and any claim, controversy, dispute or cause of action (whether in
contract or tort or otherwise) based upon, arising out of or relating to this Agreement or any other Loan Document (except,
as to any other Loan Document, as expressly set forth therein) and the transactions contemplated hereby and thereby shall be
governed by, and construed in accordance with, the laws of the State of Nevada.

 

(b) Waiver
of Venue. Each Party irrevocably and unconditionally waives, to the fullest extent permitted by applicable law, any
objection that it may now or hereafter have to the laying of venue of any action or proceeding arising out of or relating to
this Agreement or any other Loan Document in any such court referred to in subsection (b) of this Section. Each of the
parties hereto hereby irrevocably waives, to the fullest extent permitted by applicable law, the defense of an inconvenient
forum to the maintenance of such action or proceeding in any such court.

 

Section
7.10 Waiver of Jury Trial. EACH PARTY
HERETO HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY
IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY RELATING TO THIS AGREEMENT OR ANY OTHER LOAN DOCUMENT OR THE TRANSACTIONS
CONTEMPLATED HEREBY OR THEREBY WHETHER BASED ON CONTRACT, TORT OR ANY OTHER THEORY. EACH PARTY HERETO (A) CERTIFIES THAT NO
AGENT, ATTORNEY, REPRESENTATIVE OR ANY OTHER PERSON HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PERSON WOULD NOT
SEEK TO ENFORCE THE FOREGOING WAIVER IN THE EVENT OF LITIGATION, AND (B) ACKNOWLEDGES THAT IT AND THE OTHER PARTIES HERETO
HAVE BEEN INDUCED TO ENTER INTO THIS AGREEMENT AND THE OTHER LOAN DOCUMENTS BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND
CERTIFICATIONS IN THIS SECTION.

 

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Section
7.11 Headings. The headings in this Agreement
are for reference only and shall not affect the interpretation of this Agreement.

 

Section
7.12 Severability. If any term or provision
of this Agreement is invalid, illegal or unenforceable in any jurisdiction, such invalidity, illegality or unenforceability shall
not affect any other term or provision of this Agreement or invalidate or render unenforceable such term or provision in any other
jurisdiction. Upon such determination that any term or other provision is invalid, illegal or unenforceable, the parties hereto
shall negotiate in good faith to modify this Agreement so as to effect the original intent of the parties as closely as possible
in a mutually acceptable manner in order that the transactions contemplated hereby be consummated as originally contemplated to
the greatest extent possible.

 

Section
7.13 Counterparts; Integration; Effectiveness. This
Agreement and any amendments, waivers, consents or supplements hereto may be executed in counterparts (and by different parties
hereto in different counterparts); each of which shall constitute an original, but all taken together shall constitute a single
contract. This Agreement and the other Loan Documents constitute the entire contract among the parties with respect to the subject
matter hereof and supersede all previous agreements and understandings, oral or written, with respect thereto. Delivery of an executed
counterpart of a signature page to this Agreement by facsimile or in electronic (“pdf” or “tif”) format
shall be effective as delivery of a manually executed counterpart of this Agreement.

 

Section
7.14 Electronic Execution. The words “execution,”
“signed,” “signature,” and words of similar import in any Loan Document shall be deemed to include electronic
or digital signatures or the keeping of records in electronic form, each of which shall be of the same effect, validity and enforceability
as manually executed signatures or a paper-based recordkeeping system, as the case may be, to the extent and as provided for under
applicable law, including the Electronic Signatures in Global and National Commerce Act of 2000 (15 USC § 7001 et seq.), or
any other similar state laws based on the Uniform Electronic Transactions Act.

 

[SIGNATURE PAGE FOLLOWS]

 

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IN
WITNESS WHEREOF, the Parties have duly executed this Loan Agreement as of the date first written above.

 

	 	PAN GLOBAL, CORP.
	 	 
	 	By:	/s/ Bharat Vasandani
	 	Name: 	Bharat Vasandani
	 	Title:	Chief Executive Officer, President and Chairman
	 	 	 
	 	ANATOM ASSOCIATES, S.A.
	 	 	 
	 	By:	/s/ Kenneth Ciapala
	 	Name: 	Kenneth Ciapala
	 	Title: 	Director

 

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EXHIBIT A

 

8% PROMISSORY NOTE

 

	$_____________	Date: _______________

 

FOR VALUE RECEIVED, PAN
GLOBAL, CORP., a Nevada corporation, (“Maker”), promises to pay Anatom Associates SA (“Holder”),
in lawful money of the United States, the principal sum of ______________________ Dollars ($___________.00), plus
interest thereon (the “Promissory Note”) from the date of issuance until paid in full, as set forth below.

 

		1.	Interest Rate

 

Interest on the principal sum of this
Promissory Note shall accrue at the rate of eight percent (8%) per annum, compounded annually, based on a 365-day year and the
actual number of days elapsed. Interest shall be payable by Maker on an annual basis and, except as provided in Paragraph 2 below,
shall not be forgiven.

 

		2.	Payments/Forgiveness

 

The entire principal sum and all accrued
but unpaid interest and any other sums payable hereunder shall be due and payable in full on the one year anniversary date
of the date hereof. All payments hereunder shall be applied first to interest then to principal.

 

		3.	Prepayment

 

The Maker may prepay all or any portion
of the principal of this Promissory Note at any time and from time to time without premium or penalty. Any such prepayment shall
be applied against the installments of principal due under this Promissory Note in the inverse order of their maturity and shall
be accompanied by payment of accrued interest on the amount prepaid to the date of prepayment.

 

		4.	Application of Payments

 

All payments received by Holder shall
be applied first to accrued interest, then to other charges due with respect to this Promissory Note, and then to then-unpaid principal
balance.

 

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		5.	Cancellation of Promissory Note.

 

Upon the repayment by the
Maker of all of its obligations hereunder to the Holder, including, without limitation, the principal amount of this Promissory
Note, plus accrued but unpaid interest, the indebtedness evidenced hereby shall be deemed canceled and paid in full.

 

		6.	Severability.

 

If any provision of this
Promissory Note is, for any reason, invalid or unenforceable, the remaining provisions of this Promissory Note will nevertheless
be valid and enforceable and will remain in full force and effect. Any provision of this Promissory Note that is held invalid or
unenforceable by a court of competent jurisdiction will be deemed modified to the extent necessary to make it valid and enforceable
and as so modified will remain in full force and effect.

 

		7.	Default and Remedies

 

		a.	Default

 

Maker
will be in default under this Promissory Note if (i) Maker fails to make a payment of principal and/or interest hereunder when
due; or (ii) Maker breaches any other covenant or agreement under this Promissory Note; or (iii) Maker defaults under any other
provision of this Promissory Note or under any guarantee or other agreement providing security for the payment of this Promissory
Note; or (iv) Maker breaches any representation or warranty under this Promissory Note or any such guarantee or other agreement;
or (v) there occurs the liquidation, dissolution, death or incompetency of the Maker or any individual, corporation, partnership
or other entity guaranteeing or providing security for the payment of this Promissory Note; or (vi) there occurs the sale of a
material portion of the business and assets of the Maker or any corporation, partnership or other entity guaranteeing or providing
security for the payment of this Promissory Note; or (vii) there occurs the making of any assignment for the benefit of creditors
by the Maker or by any individual, corporation, partnership or other entity guaranteeing or providing security for the payment
of this Promissory Note; or (viii) Maker is declared to be in default by a court of competent jurisdiction or by an arbitrator
for any reason.

 

    	Pan Global Corp. - Anatom Associates SA - Loan agreement	Page 15

    	 

    

 

		b.	Remedies

 

Upon Maker’s default,
Holder may (i) upon fifteen (15) days’ written notice to Maker, declare the entire principal sum and all accrued and unpaid
interest hereunder immediately due and payable and (ii) exercise any and all remedies provided under applicable law. The Holder’s
remedies provided in this Promissory Note shall be cumulative and in addition to all other remedies available to the Holder under
this Promissory Note, at law or in equity (including a decree of specific performance and/or other injunctive relief), no remedy
of the Holder contained herein shall be deemed a waiver of compliance with the provisions giving rise to such remedy and nothing
herein shall limit the Holder’s right to pursue actual damages for any failure by the Maker to comply with the terms of this
Promissory Note. No remedy conferred under this Promissory Note upon the Holder is intended to be exclusive of any other remedy
available to the Holder, pursuant to the terms of this Promissory Note or otherwise. No single or partial exercise by the Holder
of any right, power or remedy hereunder shall preclude any other or further exercise thereof. The failure of the Holder to exercise
any right or remedy under this Promissory Note or otherwise, or delay in exercising such right or remedy, shall not operate as
a waiver thereof. Every right and remedy of the Holder under any document executed in connection with this transaction may be exercised
from time to time and as often as may be deemed expedient by the Holder. The Maker acknowledges that a breach by it of its obligations
hereunder will cause irreparable harm to the Holder and that the remedy at law for any such breach may be inadequate. The Maker
therefore agrees that, in the event of any such breach or threatened breach, the Holder shall be entitled, in addition to all other
available remedies, to an injunction restraining any breach, and specific performance without the necessity of showing economic
loss and without any bond or other security being required.

 

		8.	Waivers

 

		a.	Maker, and any endorsers or guarantors hereof, severally waive diligence, presentment, protest
and demand and also notice of dishonor of this Promissory Note. No extension of time for the payment of this Promissory Note, or
any installment hereof, agreed to by Holder with any person now or hereafter liable for the payment of this Promissory Note, shall
affect the original liability of Maker under this Promissory Note, even if Maker is not a party to such agreement. Holder may waive
its right to require performance of or compliance with any term, covenant or condition of this Promissory Note only by express
written waiver.

 

		b.	The failure or delay by Holder in exercising any of its rights hereunder in any instance shall
not constitute a waiver thereof in that or any other instance. Holder may not waive any of its rights except by an instrument in
writing signed by the holder.

 

    	Pan Global Corp. - Anatom Associates SA - Loan agreement	Page 16

    	 

    

 

		9.	Miscellaneous

 

		a.	Maker shall pay all costs, including, without limitation, reasonable attorneys’ fees and
costs incurred by Holder in collecting the sums due hereunder, whether or not any legal action is actually filed, litigated or
prosecuted to judgment or award. In the event of any action or legal proceeding concerning this Promissory Note or the enforcement
of any rights hereunder, Holder shall be entitled to, in addition to any other relief to which Holder may be entitled, all legal
and court costs and expenses, including reasonable attorneys’ fees, incurred by Holder in connection with such action.

 

 

		b.	This Promissory Note may be modified only by a written agreement executed by Maker and Holder.

 

		c.	This Promissory Note and the obligations of the undersigned shall be governed in all respects by
and construed in accordance with the laws of the State of Nevada. This Promissory Note shall be deemed a contract made under the
laws of the State of Nevada and the validity of this Promissory Note and all rights and liabilities hereunder shall be determined
under the laws of said State. For purposes of any proceeding involving this Promissory Note or any of the obligations of the undersigned,
the undersigned hereby submits to the non-exclusive jurisdiction of the courts of the State of Nevada having jurisdiction in the
State of Nevada, and agrees not to raise and waives any objection to or defense based upon the venue of any such court or based
upon forum non conveniens. The undersigned agrees not to bring any action or other proceeding with respect to this Promissory Note
or with respect to any of its obligations in any other court unless such courts of the State of Nevada determine that they do not
have jurisdiction in the matter.

 

		d.	The terms of this Promissory Note shall inure to the benefit of and bind Maker and Holder and their
respective heirs, legal representatives and successors and assigns.

 

		e.	Time is of the essence with respect to all matters set forth in this Promissory Note.

 

		f.	If this Promissory Note is destroyed, lost or stolen, Maker will deliver a new Promissory Note
to Holder on the same terms and conditions as this Promissory Note, with a notation of the unpaid principal and accrued and unpaid
interest in substitution of the prior Promissory Note. Holder shall furnish to Maker reasonable evidence that the Promissory Note
was destroyed, lost or stolen and any security or indemnity that may be reasonably required by Maker in connection with the replacement
of this Promissory Note. 

 

		g.	All payments of principal and interest shall be made in lawful currency of the United States of
America to the Holder at the address shown above or to a different location upon receipt of written notice from the Holder.

 

		h.	The Maker agrees to pay on demand (i) all expenses (including, without limitation, legal fees and
disbursements) incurred in connection with the negotiation and preparation of this Promissory Note and any documents in connection
with this Promissory Note, and (ii) all expenses of collecting and enforcing this Promissory Note and any guarantee or collateral
securing this Promissory Note, including, without limitation, expenses and fees of legal counsel, court costs and the cost of appellate
proceedings.

 

    	Pan Global Corp. - Anatom Associates SA - Loan agreement	Page 17

    	 

    

 

		i.	The headings of the sections of this Promissory Note are inserted for convenience only and shall
not be deemed to constitute a part of this Promissory Note.

 

		j.	This Promissory Note may not be amended without the written approval of Holder and Maker.

 

		k.	None of the parties hereto will hereafter enter into any agreement,
which is inconsistent with the rights granted to the parties in this Promissory Note.
	 	 	 
		l.	Nothing herein expressed or implied is intended or shall be
construed to confer upon or give to any person or entity, other than the parties to this Promissory Note and their respective permitted
successor and assigns, any rights or remedies under or by reason of this Promissory
Note.

 

		m.	As a material inducement for the Holder to loan to the Maker the monies hereunder, the Maker hereby
waives any right to trial by jury in any legal proceeding related in any way to this agreement and/or any and all of the other
documents associated with this transaction.
	 	 	 
		n.	This Promissory Note (including any recitals hereto) set forth
the entire understanding of the parties with respect to the subject matter hereof, and shall not be modified or affected by any
offer, proposal, statement or representation, oral or written, made by or for any party in connection with the negotiation of the
terms hereof, and may be modified only by instruments signed by all of the parties hereto.

 

[REMAINDER
OF PAGE INTENTIONALLY LEFT BLANK]

 

    	Pan Global Corp. - Anatom Associates SA - Loan agreement	Page 18

    	 

    

 

IN WITNESS WHEREOF,
this Promissory Note is executed by the undersigned as of the date set forth above.

 

	 	PROMISSORY NOTE MAKER:
	 	 	 
	 	PAN GLOBAL, CORP. 
	 	 	 
	 	By:	
	 	Name:	Bharat Vasandani
	 	Title:	President and Chief Executive Officer

 

    	Pan Global Corp. - Anatom Associates SA - Loan agreement	Page 19Exhibit 4.1

Shares

Number 

 

GLOBAL CERTIFICATE                                 CUSIP
46617M 109

 

INCORPORATED UNDER THE LAWS OF THE STATE
OF DELAWARE

 

JGWPT Holdings Inc.

(the “Corporation”)

 

Par Value $0.00001 CLASS A COMMON STOCK

 

See Reverse for

Certain Definitions

 

This is to Certify that                                                                                                                                        
 is the registered holder of                                                                                                                                                           
fully paid and non-assessable Class A Common Stock of the above Corporation transferable only on the books of the Corporation
by the holder hereof in person or duly authorized Attorney upon surrender of this Certificate duly endorsed.

 

	COUNTERSIGNED AND REGISTERED: 
	BROADRIDGE CORPORATE ISSUER SOLUTIONS, INC. 
	(Philadelphia, PA) 
	TRANSFER AGENT 
	AND REGISTRAR 
	 
	BY: 
	 
	AUTHORIZED SIGNATURE 

 

Witness, the facsimile
signatures of the Corporation’s duly authorized officers.

 

Dated 

	 	 	 
	 	 	 
	SECRETARY	 	PRESIDENT

 

    	 

    	 

    

A copy of the
Certificate of Incorporation will be furnished to each holder of Class A Common Stock on request and without charge. Requests for
such a copy may be directed to the Secretary of the Corporation at its principal office.

 

The following
abbreviations, when used in the inscription on the face of this certificate, shall be construed as though they were written out
in full according to applicable laws or regulations:

 

	TEN COM	- as tenants in common	UNIF GIFT MIN ACT-............................Custodian.........................

                                                (Minor)                         (Cust)
	TEN ENT	- as tenants by the entireties	Under Uniform Gifts to Minors Act.....................................................

                                                                       (State)
	JT TEN	-as joint tenants with the right of survivorship and not as tenants in common	 
	 	Additional abbreviations may also be used though not in the above list

 

For value received                          
hereby sell, assign and transfer unto

 

PLEASE INSERT SOCIAL SECURITY OR OTHER

IDENTIFYING NUMBER OF ASSIGNEE

 

	 
	 
	 

 

 

 

_____________________________________________________________________________

 

_____________________________________________________________________________

(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING ZIP CODE OF ASSIGNEE)

 

______________________________________________________________________________________________
Shares of 

 

Class A Common Stock represented by the within Certificate,
and do hereby irrevocably constitute and appoint _________________ 

 

Attorney to transfer the said stock on the books of the within
named Corporation with full power of substitution in the premises.

 

Dated________________________ ___________

                        In presence of             Dated as of

 

 

NOTICE: THE SIGNATURE TO THIS ASSIGNMENT
MUST CORRESPOND WITH THE NAME AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR WITHOUT ALTERATION OR ENLARGEMENT
OR ANY CHANGE WHATEVER.

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