Document:

Exhibit 10.9

        

        

        

        AMENDMENT NO. 1 TO CREDIT AGREEMENT

        

        

        This AMENDMENT NO. 1 TO CREDIT AGREEMENT, dated as of December 18, 2020 (this “Amendment”), amends that certain Credit Agreement (the “Credit Agreement”), dated as of July 20, 2020, among DESRI Financing 3, L.L.C. (“Financing 3”), a limited liability company formed under the laws of the State of Delaware, DESRI Portfolios Financing, L.L.C. (“Portfolios Financing”), a limited liability company formed under the laws of the State of Delaware, DESRI Portfolios 2 Financing, L.L.C. (“Portfolios 2 Financing” and together with Financing 3 and Portfolios Financing, each a “Co-Borrower”
          and collectively the “Co-Borrowers”), a limited liability company formed under the laws of the State of Delaware, the Lenders party thereto, Credit Suisse AG, New York
          Branch, as the Administrative Agent, CS Funding Agent, Joint Lead Arranger and Bookrunner and Zions Bancorporation, N.A., as the Collateral Agent and the Joint Lead Arranger.

        

        

        RECITALS

        

        

        WHEREAS, the Co-Borrowers and the
            Lenders signatory hereto have agreed to amend the Credit Agreement as set forth in this Amendment;

        

        

        NOW, THEREFORE, in consideration
            of the mutual covenants contained herein, and subject to the terms and conditions herein set forth, the parties hereto agree as follows:

        

        

        Section 1. Defined Terms. Capitalized terms used herein
          but not otherwise defined shall have the meanings ascribed to them in the Credit Agreement.

        

        

        Section 2. Amendment to Credit Agreement. Pursuant to
          Section 9.5 of the Credit Agreement, each of the Co-Borrowers and the Lenders signatory hereto (which Lenders constitute the Requisite Lenders) agree that the Credit Agreement is hereby amended by (a) deleting the word “and” immediately preceding
          clause (h) of the definition of “Permitted Distributions” and replacing it with a comma, and (b) inserting the following language as a new clause (i) prior to the period at the end of the definition of “Permitted Distributions”:

        

        

        “and (i) distribution by any Co-Borrower to its respective equity holders of any proceeds received by such Co-Borrower in
          connection with the occurrence of any event described in Section 2.1(c)(v), following any related recalculation of the Available Amount pursuant to Section 2.1(c)(v) and payment of any related Overadvance in accordance with Section 2.10(a)”.

        

        

        Section 3. Credit Document. This Amendment constitutes
          a Credit Document as such term is defined in, and for purposes of, the Credit Agreement.

        

        

        Section 4. Applicable Law; Jurisdiction; Waiver of Jury Trial.
          Sections 9.14, 9.15 and 9.16 of the Credit Agreement are hereby incorporated, mutatis mutandis, as if fully set forth herein.

        

        

        Section 5. Headings. All headings in this Amendment are included
            only for convenience and ease of reference and shall not be considered in the construction and interpretation of any provision hereof.

         

          

        Section 6. Binding Nature and Benefit. This Amendment
          shall be binding upon and inure to the benefit of each party hereto and their respective successors and permitted transfers and assigns.

        

        

        
          
            

        

        

        

        Section 7. Counterparts. This Amendment may be executed
          in multiple counterparts, each of which shall be deemed an original for all purposes, but all of which together shall constitute one and the same instrument. Delivery of an executed counterpart of a signature page of this Amendment by facsimile
          or in electronic document format (e.g., “pdf” or “tif”) shall be effective as delivery of a manually executed counterpart of this Amendment.

        

        

        Section 8. No Modifications; No Other Matters. Except
          as expressly provided for herein, the terms and conditions of the Credit Agreement shall continue unchanged and shall remain in full force and effect. The amendment granted herein shall apply solely to the matters set forth herein and such
          amendment shall not be deemed or construed as an amendment of any other matters, nor shall such amendment apply to any other matters.

        

        

        [Signature pages follow]

        
          
            

        

        

        

        IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their respective officers or representatives as
          of the date first above written.

        

        

        	
                 

              	
                DESRI Financing 3, L.L.C.,

                DESRI Portfolios Financing, L.L.C.,

                DESRI Portfolios 2 Financing, L.L.C., as Borrowers

              
	
                 

              	
                 

              
	
                 

              	
                By: 

              	
                /s/ David Zwillinger

              
	
                 

              	
                Name: 

              	
                David Zwillinger

              
	
                 

              	
                Title: 

              	
                Authorized Signatory

              

        

        

        

        

        

        

        
          
            [DW3 - SIGNATURE PAGE TO AMENDMENT NO. 1 TO CREDIT AGREEMENT]

          

        

        
          
            

        

        

        

        	
                 

              	
                CREDIT SUISSE AG, NEW YORK BRANCH,

                  as CS Funding Agent on behalf of the CS Lender Group

              
	
                 

              	
                 

              
	
                 

              	
                By: 

              	
                /s/ Patrick J. Hart

              
	
                 

              	
                Name: 

              	
                Patrick J. Hart

              
	
                 

              	
                Title: 

              	
                Director

              

        

        

        	
                 

              	
                By: 

              	
                /s/ Kevin Quinn

              
	
                 

              	
                Name: 

              	
                Kevin Quinn

              
	
                 

              	
                Title: 

              	
                Vice President

              

        

        

        

        

        

        

        
          [DW3 - SIGNATURE PAGE TO AMENDMENT NO. 1 TO CREDIT AGREEMENT]

        

        
          
            

        

        

        

        	
                 

              	
                ZIONS BANCORPORATION, N.A.,

                  as Lender

              
	
                 

              	
                 

              
	
                 

              	
                By: 

              	
                /s/ Logan Luzzo

              
	
                 

              	
                Name: 

              	
                Logan Luzzo

              
	
                 

              	
                Title: 

              	
                Associate Director

              

        

        

        

        

        

        

        
          [DW3 - SIGNATURE PAGE TO AMENDMENT NO. 1 TO CREDIT AGREEMENT]Exhibit 10.18

 

January 14, 2022

 

Edoc Acquisition
Corp.

7612 Main Street
Fishers

Suite 200

Victor, NY 14564

Attention: Christine
Zhao

 

I-Bankers Securities,
Inc.

535 5th Ave

Suite 423

New York, New York
10017

Attention: Mike
McCrory

 

Dear Ms. Zhao and
Mr. McCrory:

 

Reference is made to the Letter
Agreement, dated November 9, 2020 (the “Letter Agreement”) by and among Edoc Acquisition Corp., a Cayman Islands
exempted company (the “Company”), American Physicians LLC (“Sponsor”) and the Insiders
(as defined in the Letter Agreement). The Letter Agreement was delivered to you in accordance with the Underwriting Agreement (the “Underwriting
Agreement”) entered into by and between the Company and I-Bankers Securities, Inc., as Representative (the “Representative”)
of the several Underwriters named in Schedule A thereto (the “Underwriters”), relating to an underwritten initial
public offering (the “IPO”) of the Company’s units (the “Units”), each comprised
of one Class A ordinary share, $0.0001 par value per share, of the Company (the “Class A Ordinary Shares”) and
one redeemable warrant (the “Warrant”) to purchase one-half of one Class A Ordinary Share and one right to receive
one-tenth (1/10) of one Class A Ordinary Share upon the consummation of the Company’s initial business combination (the “Right”).
Capitalized terms used but not defined herein shall have the meanings ascribed to them in the Letter Agreement.

 

The undersigned, Kevin Chen,
Chief Executive Officer of the Company, is an Insider and a signatory to the Letter Agreement. As you are aware, pursuant to Section 15
of the Letter Agreement, the undersigned agreed not to become involved with another publicly listed blank check company with a class of
securities registered under the Exchange Act prior to the Company announcing an agreement with an acquisition target for its initial Business
Combination, or the expiration of the period for the Company to announce and/or complete the Company’s initial Business Combination.

 

In view of the fact that the
Registration Statement permits Insiders to participate in other blank check companies, whether or not the Company has announced an agreement
for its initial Business Combination, the undersigned hereby requests that each of the Company and the Representative partially waive
compliance by the undersigned with Section 15 of the Letter Agreement, to enable the undersigned to serve as an independent director of
one other publicly listed blank check company prior to the completion of the Company’s initial Business Combination (the “Other
Directorship”, subject to the following conditions:

 

		(a)	Such other publicly listed blank check company shall focus on acquisition targets outside of the health
care and health care provider space in North America and Asia-Pacific;

 

		(b)	The undersigned agrees that, if he becomes aware of a business combination opportunity through his Other
Directorship that might be suitable to the Company’s business or investment strategy (a “Competitive Opportunity”),
he will recuse himself from all discussions, deliberations, or decisions of the other publicly listed blank check company with respect
to such Competitive Opportunity.

 

		(c)	On or prior to the date hereof, such publicly listed blank check company has submitted written acknowledgement
to each of the Company and the Representative that the undersigned’s entry into this letter and fulfillment of obligations herein
does and will not violate any of her contractual or fiduciary obligations to such company.

 

    

     

    

 

By signing the counterpart
to this letter, each of the Company and the Representative, for good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, hereby (i) consents to the Other Directorship and waives in part the compliance by the undersigned with Section
15 of the Letter Agreement, and (ii) confirms and acknowledges that, subject to the satisfaction of the conditions stated herein, the
Other Directorship shall not constitute a breach of the Company’s covenant under Section 15 of the Letter Agreement. Except as specifically
waived herein, the Company retains all rights, and the undersigned retains all obligations, as set forth in the Letter Agreement, and
the Representative retains all rights as set forth in the Underwriting Agreement.

 

[Signature page follows]

 

    

     

    

 

If you are in agreement with
the foregoing, kindly indicate such agreement by signing the counterpart to this letter and returning the signed copy thereof to the Company
at the address first written above or by e-mail at christine.zhao@edocmed.net.

 

	Sincerely,	 
	 	 
	/s/ Kevin
    Chen	 
	Kevin Chen	 

 

ACKNOWLEDGED AND AGREED TO:

 

	EDOC ACQUISITION CORP.
	 	 	 
	By:	/s/ Christine Zhao
	 	Name:	Christine Zhao
	 	Title:	Chief Financial Officer
	 	 	 
	Date: January 14, 2022

 

	I-BANKERS SECURITIES, INC.
	 	 	 
	By:	/s/ Cade Liu
	 	Name: Cade Liu	 
	 	 	 
	Date: January 14, 2022

  

[Signature Page to Chen Insider Waiver Letter]

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