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SIXTEENTH AMENDMENT TO CREDIT AND SECURITY AGREEMENT 

THIS SIXTEENTH AMENDMENT TO CREDIT AND SECURITY AGREEMENT (this “Amendment”) is entered into as of December 22, 2022, between LOANDEPOT.COM, LLC, a Delaware limited liability company (“Borrower”), and NEXBANK  (with its participants, successors and assigns, “Lender”).
R E C I T A L S
A.    Borrower and Lender are parties to that certain Credit and Security Agreement dated as of October 29, 2014 (as amended, modified, supplemented, restated or amended and restated from time to time, the “Loan Agreement”). Unless otherwise indicated herein, all terms used with their initial letter capitalized are used herein with their meaning as defined in the Loan Agreement and all Section references are to Sections in the Loan Agreement. 
B.    On December 22, 2021, Borrower executed an Eighteenth Amended and Restated Promissory Note in the principal amount of $268,000,000 in favor of Lender, evidencing the Loan (the “Original Note”).
C.    Borrower has requested that Lender amend the Loan Agreement as provided below.
D.    Borrower has requested that Lender amend the Original Note as provided in the Nineteenth Amended and Restated Promissory Note being delivered in connection herewith (the “Amended and Restated Note”).
E.    Borrower and Lender desire to amend the Loan Documents, subject to the terms, conditions, and representations set forth herein, as requested by Borrower.
F.    Borrower and Lender agree to the other terms and provisions provided below, subject to the terms, conditions, and representations set forth herein.
NOW, THEREFORE, in consideration of these premises and other valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto agree, as follows:
1.Amendments to Loan Agreement. Subject to the satisfaction of the conditions set forth herein, the Loan Agreement is amended as follows:
(a)The definition of “Revolving Credit Note” in Section 1.1 of the Loan Agreement is hereby amended and restated in its entirety to read as follows:
“Revolving Credit Note” means the Nineteenth Amended and Restated Promissory Note, dated December 22, 2022, made by Borrower payable to the order of Lender, as amended or restated from time to time.
2.Conditions Precedent. Notwithstanding any contrary provision, this Amendment shall be effective on the first Business Day upon which all of the following conditions precedent have been satisfied (the “Effective Date”):
(a)Lender shall have received counterparts of this Amendment executed by Borrower, Lender, and each other party set forth on the signature pages hereto, and the original executed Amended and Restated Note;
(b)Lender shall have received satisfactory evidence that Borrower has paid the fees and expenses of counsel described in Section 5; 
(c)No Default or Event of Default shall have occurred and be continuing or shall result after giving effect to this Amendment; 

(d)Lender shall have returned to Borrower, or to Borrower’s attorney to be held in escrow, the original of the Original Note; and
(e)Lender shall have received such other instruments and documents incidental and appropriate to the transactions provided for herein as Lender or its counsel may reasonably request, and all such documents shall be in form and substance satisfactory to Lender (it being agreed that execution of this Amendment by Lender shall evidence that the foregoing conditions have been fulfilled).
3.Reaffirmation of Loan Documents and Liens. Except as amended and modified hereby, any and all of the terms and provisions of the Loan Agreement and the other Loan Documents shall remain in full force and effect and are hereby in all respects ratified and confirmed by Borrower.  Borrower hereby agrees that, except as expressly provided in this Amendment, the amendments and modifications herein contained shall in no manner affect or impair the liabilities, duties and obligations of Borrower under the Loan Agreement and the other Loan Documents or the Liens securing the payment and performance thereof. Borrower further confirms that the liens and security interests in the Collateral created under the Loan Documents secure, among other indebtedness, Borrower’s obligations under the Loan Documents, and all modifications, amendments, renewals, extensions, and restatements thereof. 
4.Representations and Warranties.  As a material inducement for Lender to enter into this Amendment, Borrower hereby represents and warrants to Lender (with the knowledge and intent that Lender is relying upon the same in consenting to this Amendment) that as of the Effective Date, and after giving effect to the transactions contemplated by this Amendment: (a) all representations and warranties in the Loan Agreement and in all other Loan Documents are true and correct in all material respects, as though made on the date hereof, except to the extent that (i) any of them speak to a different specific date; or (ii) the facts or circumstances on which any of them were based have been changed by transactions or events not prohibited by the Loan Documents; (b) no Default or Event of Default exists under the Loan Documents or will exist after giving effect to this Amendment; (c) this Amendment has been duly authorized and approved by all necessary organizational action and requires the consent of no other Person, and is binding and enforceable against Borrower in accordance with its terms; and (d) the execution, delivery and performance of this Amendment in accordance with its terms, does not and will not, by the passage of time, the giving of notice, or otherwise: (i) require any governmental approval, other than such as have been obtained and are in full force and effect, or violate any applicable law relating to Borrower; (ii) conflict with, result in a breach of, or constitute a default under the Constituent Documents of Borrower thereof, or any indenture, agreement, or other instrument to which Borrower is a party or by which it or any of its properties may be bound; or (iii) result in or require the creation or imposition of any Lien upon or with respect to any property now owned or hereafter acquired by Borrower.
5.Fees, Costs and Expenses.  Borrower agrees to pay promptly the reasonable fees and expenses of counsel to Lender for services rendered in connection with the preparation, negotiation, reproduction, execution, and delivery of this Amendment and all related documents; and
6.Miscellaneous.
(a)This Amendment shall be deemed to constitute a Loan Document for all purposes and in all respects.  Each reference in the Loan Agreement or Amended and Restated  Note to “this Agreement,” “hereunder,” “hereof,” “herein” or words of like import, and each reference in the Loan Agreement or in any other Loan Document, or other agreements, documents or other instruments executed and delivered pursuant to the Loan Agreement to the “Loan Agreement”, shall mean and be a reference to the Loan Agreement as amended by this Amendment.
(b)The Loan Documents shall remain unchanged and in full force and effect, except as provided in this Amendment and the Amended and Restated Note, and are hereby ratified and confirmed.  The execution, delivery, and effectiveness of this Amendment shall not, except as expressly provided herein, operate as a waiver of any rights of Lender under any Loan Document, nor constitute a waiver under any of the Loan Documents.

(c)All of the terms and provisions of this Amendment shall bind and inure to the benefit of the parties hereto and their respective successors and assigns.
(d)This Amendment may be executed in one or more counterparts and by different parties hereto in separate counterparts each of which when so executed and delivered shall be deemed an original, but all such counterparts together shall constitute but one and the same instrument; signature pages may be detached from multiple separate counterparts and attached to a single counterpart so that all signature pages are physically attached to the same document.  Facsimiles, documents executed, scanned and transmitted electronically and electronic signatures shall be deemed original signatures for purposes of this Amendment and all matters related thereto, with such facsimile, scanned and electronic signatures having the same legal effect as original signatures. The parties agree that this Amendment may be accepted, executed or agreed to through the use of an electronic signature in accordance with E-SIGN, UETA, and any applicable state law. To the extent this Amendment is accepted, executed or agreed to in conformity with such laws, it will be binding on each party hereto to the same extent as if it were physically executed and each party hereby consents to the use of any third party electronic signature capture service providers as may be reasonably chosen by a signatory hereto.
(e)THIS AMENDMENT, THE LOAN AGREEMENT, AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR ORAL AGREEMENTS OF THE PARTIES.  THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

(f)The headings, captions and arrangements used in this Amendment are, unless specified otherwise, for convenience only and shall not be deemed to limit, amplify or modify the terms of this Amendment, nor affect the meaning thereof.

(g)Any provision of this Amendment held to be invalid, illegal or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such invalidity, illegality or unenforceability without affecting the validity, legality and enforceability of the remaining provisions hereof; and the invalidity of a particular provision in a particular jurisdiction shall not invalidate such provision in any other jurisdiction.

(h)This Amendment shall be construed in accordance with and governed by the laws of the State of Texas without regard to its principles of conflicts of laws.

(i)The execution, delivery and effectiveness of this Amendment shall not operate as a waiver of any right, power or remedy of Lender under any of the Loan Documents, nor constitute a waiver of any provision of any of the Loan Documents
[Remainder of Page Intentionally Left Blank; Signature Page Follows]

Signature Page to First Amendment to Loan Agreement 

IN WITNESS WHEREOF, the parties hereto have executed this Amendment in multiple counterparts on the date stated on the signature pages hereto, but effective as of Effective Date.

BORROWER:

loanDepot.com, LLC,
a Delaware limited liability company

By:    /s/ Patrick Flanagan
    Name: Patrick Flanagan
    Title: Chief Financial Officer

LENDER:

NEXBANK 

By:    /s/Kevin Olding
    Name: Kevin Olding
    Title: Senior Vice President

Signature Page to Sixteenth Amendment to Credit AgreementExhibit 10.44

 

CONSENT AND AMENDMENT NO. 1 TO FINANCING
AGREEMENT

 

This CONSENT AND
AMENDMENT NO. 1 TO FINANCING AGREEMENT (this “Consent and Amendment”), dated as of December 27, 2022
(the “Effective Date”), is entered into by and among Near Intelligence Holdings Inc., a Delaware
corporation, as Borrower, the Guarantors party hereto, the Required Lenders and Blue Torch Finance LLC, a Delaware limited liability
company (“Blue Torch”), as administrative agent for the Lenders (in such capacity, together with its
successors and permitted assigns in such capacity, the “Administrative Agent”). Capitalized terms used but
not defined herein shall have the meanings given to such terms in the Financing Agreement (as defined below).

 

WHEREAS, reference
is made to that certain Financing Agreement, dated as of November 4, 2022 (as amended, restated, amended and restated, supplemented or
otherwise modified prior to the Effective Date, the “Existing Financing Agreement”), by, among others, the Borrower,
the Guarantors party thereto, the Lenders from time to time party thereto and Blue Torch, as Administrative Agent and as collateral agent
for the Secured Parties (in such capacity, together with its successors and permitted assigns in such capacity, the “Collateral
Agent” and, together with the Administrative Agent, each an “Agent” and collectively, the “Agents”)
(the Existing Financing Agreement, as amended by this Consent and Amendment, the “Financing Agreement”).

 

WHEREAS, it is has
been brought to the attention of the Lenders and the Agents that the pre-money enterprise value of the Borrower is currently $575,000,000
(the “New Pre-Money Enterprise Value”), and not $675,000,000 (as originally estimated on the Effective Date
(as defined in the Existing Financing Agreement));

 

WHEREAS, in connection
with the above, the Borrower has requested (x) a consent to an amendment to the De-SPAC Merger Agreement and (y) an amendment to Schedule
5.03 of the Existing Financing Agreement, in order to reflect such New Pre-Money Enterprise Value.

 

NOW, THEREFORE, in
consideration of the mutual conditions and agreements set forth in the Existing Financing Agreement and this Consent and Amendment, and
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree as
follows:

 

Section 1. Consent
and Amendment. 

 

(a)
Pursuant to Section 7.02 of the Existing Financing Agreement, and subject to the terms and conditions set forth herein and in reliance
on the representations, warranties and agreements of the Loan Parties set forth herein, the Required Lenders hereby consent to an amendment
to the De-SPAC Merger Agreement, substantially in the form of Exhibit A hereto.

 

(b)
Sub-clause 5 of Schedule 5.03 of the Existing Financing Agreement is hereby amended to replace the reference in clause (i)(x) thereof
to “pre-money enterprise value of the Parent shall be at least $675,000,000” with “pre-money enterprise value of the
De-SPAC Parent shall be at least $575,000,000”.

 

(c)
The foregoing consent set forth in Section 1(a) should be construed as a one-time consent, and shall apply only to
the matters expressly set forth in Section 1(a).

 

     

     

    

 

Section 2. Conditions
Precedent to Consent and Amendment

 

This Consent and Amendment
shall become effective as of the Effective Date, and each of the following conditions in this Section 2 have been satisfied
(or waived) as of the Effective Date:

 

(a)
Execution. The Administrative Agent shall have received the following, each in form and substance reasonably satisfactory
to the Administrative Agent and the Lenders party hereto:

 

		i.	This Consent and Amendment, duly executed by each of the parties hereto;

 

		ii.	A copy of the De-SPAC Parent’s Form S-4 filing with the SEC, to be filed substantially concurrently
with or promptly following the occurrence of the Effective Date; and

 

		iii.	An amendment to the Agreement and Plan of Merger, duly executed by the parties thereto.

 

(b)
Representations. The representations and warranties in Section 3 hereof shall be true and correct to the extent
required thereunder.

 

Section 3. Representations
and Warranties

 

Each of the Loan Parties hereby
represents and warrants that, as of the Effective Date immediately after giving effect to this Consent and Amendment:

 

(a)
the representations and warranties of each Loan Party in the other Loan Documents are true and correct in all material respects
as of the Effective Date as though made on and as of such date, except to the extent any such representation or warranty expressly relates
solely to an earlier date (in which case such representation or warranty shall be true and correct in all material respects on and as
of such earlier date) (except that such materiality qualifiers shall not be applicable to any representations or warranties that already
are qualified or modified as to materiality or “Material Adverse Effect” in the text thereof, which representations and warranties
shall be true and correct in all respects subject to such qualification); and

 

(b)
no Default or Event of Default has occurred and is continuing.

 

Section 4. Ratification.
The terms and provisions set forth in this Consent and Amendment shall modify and supersede all inconsistent terms and provisions
of the Existing Financing Agreement and each other Loan Document. Except as expressly modified and superseded by this Consent and Amendment,
the terms and provisions of the Existing Financing Agreement and the other Loan Documents are ratified and confirmed and shall continue
in full force and effect. Nothing herein shall be deemed to entitle the Borrower to a consent to, or a waiver, amendment, modification
or other change of, any of the terms, conditions, obligations, covenants or agreements contained in the Financing Agreement or any other
Loan Document in similar or different circumstances.

 

Section 5. Loan
Document. This Consent and Amendment is a “Loan Document” under the Financing Agreement.

 

Section 6. Governing
Law. THIS CONSENT AND AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

 

Section 7. Counterparts.
Section 12.08 of the Existing Financing Agreement (Counterparts) is hereby incorporated by this reference, mutatis mutandis.

 

[Signature Pages Follow]

 

    2

     

    

 

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

 

	 	BORROWER:
	 	NEAR INTELLIGENCE HOLDINGS INC.
	 	 	 
	 	By:	/s/ Rahul Agarwal
	 	Name: 	Rahul Agarwal
	 	Title: 	Chief Financial Officer and Treasurer
	 	 	 
	 	GUARANTORS:
	 	NEAR NORTH AMERICA, INC.
	 	 	 
	 	By:	/s/ John Faieta
	 	Name: 	John Faieta
	 	Title: 	Chief Financial Officer and Treasurer
	 	 	 
	 	EXECUTED
	 	For and on behalf of
	 	 
	 	NEAR INTELLIGENCE PTE. LTD.
	 	 	 
	 	By:	/s/ Rahul Agarwal
	 	Name: 	Rahul Agarwal
	 	Title: 	Director

 

    3

     

    

 

	 	BLUE TORCH FINANCE LLC,
	 	as Administrative Agent
	 	 
	 	By:	/s/ Kevin Genda
	 	Name: 	Kevin Genda
	 	Title:	Authorized Signatory

 

    4

     

    

 

	 	LENDERS:
	 	 
	 	BTC Holdings SBAF Fund LLC
	 	By: Blue Torch Credit Opportunities SBAF Fund LP,
	 	its sole member
	 	By: Blue Torch Credit Opportunities SBAF GP LLC,
	 	its general partner
	 	By: KPG BTC Management LLC, its sole member

 

	 	By:	/s/ Kevin Genda
	 	Name:  	Kevin Genda
	 	Title: 	Managing Member

 

	 	Blue Torch Credit Opportunities Fund III LP
	 	By: Blue Torch Credit Opportunities GP III LLC, its
	 	general partner
	 	By: KPG BTC Management LLC, its sole member

 

	 	By:	/s/ Kevin Genda
	 	Name:  	Kevin Genda
	 	Title: 	Managing Member

 

Signature Page to Consent and Amendment No. 1 to
Financing Agreement

 

    5

     

    

 

	 	LENDERS:
	 	 
	 	BTC Holdings Fund II LLC
	 	By: Blue Torch Credit Opportunities Fund II LP, its
	 	sole member
	 	By: Blue Torch Credit Opportunities GP II LLC, its
	 	general partner
	 	By: KPG BTC Management LLC, its sole member

 

	 	By:	/s/ Kevin Genda
	 	Name:  	Kevin Genda
	 	Title: 	Managing Member

 

	 	BTC HOLDINGS KRS FUND LLC
	 	By: Blue Torch Credit Opportunities KRS Fund LP,
	 	its sole member
	 	By: Blue Torch Credit Opportunities KRS GP LLC,
	 	its general partner
	 	By: KPG BTC Management LLC, its sole member

 

	 	By:	/s/ Kevin Genda
	 	Name:  	Kevin Genda
	 	Title: 	Managing Member

 

Signature Page to Consent and Amendment No. 1 to
Financing Agreement

 

    6

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