Document:

exhibit101caponeamendmen

                                                                   Exhibit 10.1                                                                                                                                           OMNIBUS AMENDMENT NO. 2 TO LOAN DOCUMENTS                This Omnibus Amendment No. 2 to Loan Documents (this “Amendment”), dated as of June 24,  2019, is entered into by and among NEWTEK SMALL BUSINESS FINANCE, LLC, a New York limited  liability company (“Borrower”), CAPITAL ONE, NATIONAL ASSOCIATION and UBS BANK USA  (“UBS”) as  the  Lenders,  and  CAPITAL  ONE,  NATIONAL  ASSOCIATION,  in  its  capacity  as  administrative agent (in such capacity, “Administrative Agent”).                                     RECITALS         A.    Borrower,  the  Lenders  and  Administrative  Agent  are  parties  to that  certain Fourth  Amended and Restated Loan and Security Agreement dated as of May 11, 2017 (as amended by that certain  Omnibus Amendment to Loan Documents, dated as of May 31, 2018 and as may be further amended,  amended and restated, supplemented, or otherwise modified from time to time, the “Loan Agreement”).  Capitalized terms used in this Amendment have the meanings given to them in the Loan Agreement unless  otherwise specified.          B.    UBS  wishes  to  increase  its  Maximum  Commitment  under  the  Loan  Agreement  from  $25,000,000 to $75,000,000, thereby raising the aggregate Maximum Commitment of all Lenders under  the Loan Agreement to $150,000,000.         NOW,  THEREFORE,  in  consideration  of  the  foregoing  and  of  other  good  and  valuable  consideration,  the  receipt  and  sufficiency  of  which  are  hereby  acknowledged,  Administrative  Agent,  Lenders and Borrower agree as follows:         1.    Amendments to Loan Documents.  As of the date all of the conditions set forth in Section  3 below are fully satisfied, and the satisfaction of the other terms contained in this Amendment, the Loan  Agreement is amended as follows:         (a)   Section 1.1 of the Loan Agreement is amended to add in alphabetical order the following  definition:                “Amendment No. 2” means the Omnibus Amendment to Loan Documents dated              as  of June 24,  2019,  by  and  among  the  Borrower,  the  Lenders,  and  the              Administrative Agent.         (b)   Section 1.1 of the Loan Agreement is further amended as follows:               (i)   The following defined terms are amended and restated in their entirety as        follows:                ““Loan  Documents” means,  collectively,  this  Agreement, the  Omnibus              Amendment,  the  Omnibus  Amendment  No.  2, the  Notes,  the  Guaranty              Agreements,  the  Guarantor  Security  Agreements,  the  Pledge  Agreements,  the              Trademark Security Agreements, the Blocked Account Agreement and any other              Control  Agreements,  the  Subordination  Documents,  the  Trust  Account              Agreement, the Multi-Party Agreement, the Administrative Agent fee letter, and              all  other  agreements,  instruments  and  documents  executed  or  delivered  in         

 

            connection therewith, all as may be as the same may be amended, modified, or              restated from time to time.”               ““Maximum Commitment” means, with respect to each Lender, the commitment, if              any, to make Advances and to acquire participations in Swingline Loans hereunder,              expressed as an amount representing the maximum aggregate amount of such Lender’s              Maximum  Credit  Exposure  hereunder,  as  such  commitment  may  be  reduced  or              increased from time to time pursuant to assignments by or to such Lender pursuant to              Section 10.12.  The revised amount of each Lender’s Maximum Commitment effective              as of the Amendment No. 2 Effective Date (as defined in Amendment No. 2) is set              forth on Schedule 2.01, or in the applicable documentation pursuant to which such              Lender shall have assumed its Maximum Commitment pursuant to the terms hereof, as              applicable.  The  revised  aggregate  amount  of  the  Lenders’  Maximum  Commitment              effective as of the Amendment No. 2 Effective Date is $150,000,000.”         (c)   Schedule  2.01 to  the  Loan  Agreement  is  replaced  in  its  entirety  with  the Revised  Schedule 2.01 attached hereto.         (d)   Exhibits A-1 and A-2 to the Loan Agreement are hereby replaced in their entirety with  the Revised Exhibits A-1 and A-2 attached hereto.           (e)   Exhibits B-2 and B-4 to the Loan Agreement are hereby replaced in their entirety with  the Revised Exhibits B-2 and B-4 attached hereto, respectively.         2.    No Other Changes.  Except as explicitly amended or waived by this Amendment, all of the  terms and conditions of the Loan Documents shall remain in full force and effect and shall apply to any  advance thereunder.         3.    Conditions  Precedent.  This  Amendment shall be effective  when Administrative  Agent  shall have received copies of this Amendment, duly executed by each of the parties hereto, together with  each of the following, each in substance and form acceptable to Administrative Agent (the “Amendment  No. 2 Effective Date”):          (a)   the  Acknowledgment  and  Agreement  of  Guarantors,  set  forth  at  the  end  of  this  Amendment, duly executed by each Guarantor;         (b)   Amended and Restated Promissory Notes of Borrower payable to UBS substantially in the  respective  forms  of Revised  Exhibits  B-2 and B-4 attached  hereto  (the “Amended  and  Restated  UBS  Notes”);         (c)   a Certificate of an Authorized Officer of Borrower certifying as to (i) the resolutions of the  managers of Borrower delivered pursuant to the Secretary’s Certificate dated May 11, 2017 continue in full  force and effect and have not been amended or otherwise rescinded since such date and that such resolutions  authorize the execution and delivery of this Amendment, (ii) the fact that the articles of organization and  the limited liability company agreement of Borrower, which were certified and delivered pursuant to the  Secretary’s Certificate dated May 11, 2017, continue in full force and effect and have not been amended or  otherwise modified since such date, and (iii) certifying that the officers and agents of Borrower who have  been certified to Administrative Agent, pursuant to the Secretary’s Certificate dated May 11, 2017, as being  authorized to sign and to act on behalf of Borrower continue to be so authorized or setting forth the sample                                        -2-         

 

signatures of each of the officers and agents of Borrower authorized to execute and deliver this Amendment  and all other documents, agreements and certificates on behalf of Borrower;          (d)   a certificate of good standing or qualification, as the case may be, of the Borrower dated  within thirty days of the date of this Amendment, to do business, certified by the Secretary of State or other  Governmental Authority of the Borrower’s jurisdiction of organization;         (e)   payment by Borrower of all outstanding fees and expenses of Administrative Agent; and         (f)   such other matters as Administrative Agent or any Lender may require.         4.    Representations  and  Warranties.  Borrower  hereby  represents  and  warrants  to  Administrative Agent and Lenders as follows:         (a)   Borrower has all requisite power and authority to execute this Amendment and to perform  all of its obligations hereunder, and this Amendment has been duly executed and delivered by Borrower  and  constitutes the legal, valid and binding obligation of Borrower, enforceable  in accordance  with its  terms.         (b)   The execution, delivery and performance by Borrower of this Amendment have been duly  authorized  by  all  necessary  limited  liability  company  action  and  do  not:  (i) require  any  authorization,  consent  or  approval  by  any  governmental  department,  commission,  board,  bureau,  agency  or  instrumentality, domestic or foreign, (ii) violate any provision of any law, rule or regulation or of any order,  writ,  injunction  or  decree  presently  in  effect,  having  applicability  to  Borrower,  or  the  certificate  of  certificate of formation or operating agreement of Borrower, or (iii) result in a breach of or constitute a  default under any indenture or loan or loan agreement or any other agreement, lease or instrument to which  Borrower is a party or by which it or its properties may be bound or affected.         (c)   All of the representations and warranties contained in Section 5 of the Loan Agreement are  correct on and as of the date hereof as though made on and as of such date.         5.    References.  All references in the Loan Agreement to “this Agreement” shall be deemed to  refer to the Loan Agreement as amended hereby; and any and all references in the Loan Documents to the  Loan Agreement shall be deemed to refer to the Loan Agreement as amended hereby.  All references to the  Notes in the Loan Documents shall include the Amended and Restated UBS Notes in replacement of the  original UBS Notes the Amended and Restated UBS Notes are amending and restating.         6.    No Waiver.  The execution of this Amendment and any documents related hereto and the  acceptance of all other agreements and instruments related hereto shall not be deemed to be a waiver of any  Default or Event of Default under the Loan Agreement or a waiver of any breach, default or event of default  under any Loan Document or other document held by Administrative Agent, whether or not known to  Administrative Agent or any Lender and whether or not existing on the date of this Amendment.         7.    Release. Borrower, and each Guarantor by signing the Acknowledgement and Agreement  of  Guarantors  set  forth  below,  hereby  absolutely  and  unconditionally  releases  and  forever  discharges  Administrative  Agent,  the  Lenders  and  any  and  all  participants,  parent  corporations,  subsidiary  corporations, affiliated corporations, insurers, indemnitors, successors and assigns thereof and any of their  respective Affiliates, together with all of the present and former directors, officers, agents and employees  of  any  of  the  foregoing,  from  any  and  all claims,  demands  or  causes  of action  of  any  kind,  nature  or  description, whether arising in law or equity or upon contract or tort or under any state or federal law or  otherwise, which Borrower, or any Guarantor, has had, now has or has made claim to have against any such                                       -3-         

 

Person for or by reason of any act, omission, matter, cause or thing whatsoever arising from the beginning  of time to and including the date of this Amendment, whether such claims, demands and causes of action  are matured or unmatured or known or unknown or otherwise.         8.    Costs and Expenses. Borrower hereby reaffirms its agreement under the Loan Agreement  to pay or reimburse Administrative Agent on demand for all costs and expenses incurred by Administrative  Agent  in  connection  with  the  Loan  Documents,  including  without  limitation  all  reasonable  fees  and  disbursements of legal counsel. Without limiting the generality of the foregoing, Borrower specifically  agrees to pay all fees and disbursements of counsel to Administrative Agent for the services performed by  such counsel in connection with the preparation of this Amendment and the documents and instruments  incidental hereto.  Borrower hereby agrees that Administrative Agent may, at any time or from time to time  in its sole discretion and without further authorization by Borrower, make a loan to Borrower under the  Loan Agreement, or apply the proceeds of any loan, for the purpose of paying any such fees, disbursements,  costs and expenses.         9.    Continuing Effect of Loan Agreement. Except as expressly amended and modified hereby,  the provisions of the Loan Agreement and the Liens granted thereunder, are and shall remain in full force  and effect, and are hereby ratified and confirmed by Borrower.  Borrower acknowledges and agrees that  the security interests and liens granted by Borrower to Administrative Agent under the Loan Documents  shall remain in place, unimpaired by the transactions contemplated by this Amendment, and Administrative  Agent’s priority with respect thereto shall not be affected hereby or thereby.         10.   Miscellaneous. This Amendment and the Acknowledgment and Agreement of Guarantors  may be executed in any number of counterparts, each of which when so executed and delivered shall be  deemed  an  original  and  all  of  which  counterparts,  taken  together,  shall  constitute  one  and  the  same  instrument.   This Agreement and the Acknowledgment and Agreement of Guarantors shall be governed  by, and construed and enforced in accordance with, the laws of the State of New York, without regard to  principles of conflicts of law (other than Section 5-1401 of the New York General Obligations Law).                                [Signature page follows]                                         -4-         

 

      IN  WITNESS  WHEREOF,  the  parties  hereto  have  caused  this  Amendment  to  be  duly  executed as of the date first written above.                                               NEWTEK SMALL BUSINESS FINANCE, LLC,                                        as Borrower                                                                                                                                                            By:  /s/ Peter Downs_______________________                                          Name: Peter Downs                                          Title:   President                                                                                                                                                                                                [Signature Page – Omnibus Amendment No. 2 to Loan Documents]  

 

                          CAPITAL ONE, NATIONAL ASSOCIATION,           Administrative Agent, Lender, Sole Lead Arranger and           Sole Bookrunner                                 By:  /s/ Brian Talty                                    Name: Brian Talty              Title:   Senior Vice President                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      [Signature Page – Omnibus Amendment No. 2 to Loan Documents]  

 

               UBS BANK USA, as Lender                                                   By:/s/ Peter M. Carter                               Name:  Peter M. Carter                 Title:   Executive Director                                                   By:/s/ Brad Weisberg                                 Name:   Brad Weisberg                 Title:    Managing Director    [Signature Page – Omnibus Amendment No. 2 to Loan Documents]  

 

            ACKNOWLEDGMENT AND AGREEMENT OF GUARANTORS                The  undersigned,  each  a  Guarantor  of  the  Obligations  of  NEWTEK  SMALL  BUSINESS FINANCE, LLC, a New York limited liability company (“Borrower”) to Capital One,  National Association as administrative agent for the benefit of the Lenders (“Administrative Agent”)  and  to  the  Lenders,  pursuant  to  a  (i)  Second  Amended  and  Restated  Guaranty  of  Payment  and  Performance by Newtek Business Services Corp., a Maryland corporation dated as of May 11, 2017,  and (ii) Guaranty of Payment and Performance by CCC Real Estate Holding Co. LLC, a Delaware  limited liability company dated as of May 11, 2017 (as each may be amended, amended and restated,  supplemented, or otherwise modified from time-to-time, collectively, the “Guaranty”), hereby: (i)  acknowledges receipt of the foregoing Amendment; (ii) consents to the terms (including without  limitation the release set forth in Section 7 of the Amendment) and execution thereof; (iii) reaffirms  all obligations to Administrative Agent pursuant to the terms of its respective Guaranty, all of which  remain in full force and effect; (iv) acknowledges that each representation and warranty set forth in  Section  4  of  the  Amendment  relating  to  such  Guarantor  is  complete,  true  and  correct;  and  (iv) acknowledges that Administrative Agent may amend, restate, extend, renew or otherwise modify  the Loan Agreement and any indebtedness or agreement of Borrower, or enter into any agreement or  extend additional or other credit accommodations, without notifying or obtaining the consent of the  undersigned and without impairing the liability of the undersigned under its Guaranty for all of the  present and future indebtedness to Administrative Agent.    Dated: As of June 24, 2019                                            NEWTEK BUSINESS SERVICES CORP., as                                        successor-in-interest by merger to                                        NEWTEK BUSINESS SERVICES, INC.                                                                                                                     By: /s/ Barry Sloane___________________                                       Name:  Barry Sloane                                       Title:  Chief Executive Officer                                                                                                                     CCC REAL ESTATE HOLDING CO. LLC                                                                                                                     By: /s/ Barry Sloane___________________                                       Name:  Barry Sloane                                       Title: Chief Executive Officer                                                                                                 

 

                         Revised Schedule 2.01                                                                     Lenders                                                                                                     Lender                           Commitment (USD)                                                                       Capital One, National Association            $75,000,000                                                                             UBS Bank USA                           $75,000,000                                                                      Aggregate Maximum Commitment                  $150,000,000EX-4.1

 Exhibit 4.1 
  

	
	

 ZQ|CERT#|COY|CLS|RGSTRY|ACCT#|TRANSTYPE|RUN#|TRANS#

PO BOX 43004, Providence, RI 02940-3004 
MR A SAMPLE DESIGNATION (IF ANY) ADD
1 ADD 2 ADD 3 ADD 4 
CUSIP/IDENTIFIER XXXXXX XX X Holder ID XXXXXXXXXX

Insurance Value 1,000,000.00 Number of Shares 123456 
DTC 12345678
123456789012345 Certificate Numbers Num/No. Denom. Total 1234567890/1234567890 1 1 1 1234567890/1234567890 2 2 2 1234567890/1234567890 3 3 3 1234567890/1234567890 4 4 4 1234567890/1234567890 5 5 5 1234567890/1234567890 6 6 6 
Total Transaction 7 Certificate Number ZQ00000000 
ORDINARY SHARES PAR VALUE $0.0001 ORDINARY
SHARES 
CAMBIUM NETWORKS CORPORATION 
INCORPORATED UNDER THE LAWS OF THE CAYMAN
ISLANDS 
THIS CERTIFIES THAT is the owner of 
** Mr. Alexander David Sample
**** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David
Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander
David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr Alexander David Sample **** Mr. Alexander David Sample **** Mr.
Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample
**** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David
Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander
David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Sample **** Mr. Sample 
MR. SAMPLE & MRS. SAMPLE & MR. SAMPLE & MRS. SAMPLE

**000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares***
*000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****
000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****0
00000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****00
***0000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****000
000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****0000
00**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000** Shares****000000**Shares****00000
0**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000** Shares****000000**Shares****000000 ***
**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000** Shares****000000**Shares****000000*
*Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000** Shares****000000**Shares****000000**
Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000** Shares****000000**Shares****000000**S 
Shares

* * 000000 ****************** 
* * * 000000 ***************** * * * * 000000
**************** * * * * * 000000 *************** * * * * * * 000000 ************** 
***ZERO HUNDRED THOUSAND ZERO HUNDRED AND ZERO*** 
SEE REVERSE FOR CERTAIN DEFINITIONS CUSIP G17766 10 9 THIS CERTIFICATE IS TRANSFERABLE IN CITIES DESIGNATED BY THE TRANSFER 
AGENT, AVAILABLE ONLINE AT www.computershare.com FULLY-PAID AND NON-ASSESSABLE SHARES OF ORDINARY SHARES OF 
Cambium Networks Corporation (hereinafter called the “Company”), transferable on the books of the Company in person or by duly authorized attorney, upon surrender of this
Certificate properly endorsed. This Certificate and the shares represented hereby, are issued and shall be held subject to all of the provisions of the Amended and Restated Memorandum and Articles of Association of the Company (copies of which are
on file with the Company and with the Transfer Agent), to all of which each holder, by acceptance hereof, assents. This Certificate is not valid unless countersigned and registered by the Transfer Agent and Registrar. 
Witness the facsimile seal of the Company and the facsimile signatures of its duly authorized officers. Director Secretary 
DATED DD-MMM-YYYY 
COUNTERSIGNED AND REGISTERED: 
COMPUTERSHARE TRUST COMPANY, N.A. TRANSFER AGENT AND REGISTRAR, By AUTHORIZED SIGNATURE 

 

 
 CAMBIUM NETWORKS CORPORATION 
THE COMPANY WILL
FURNISH WITHOUT CHARGE TO EACH SHAREHOLDER WHO SO REQUESTS, A SUMMARY OF THE POWERS, DESIGNATIONS, PREFERENCES AND RELATIVE, PARTICIPATING, OPTIONAL OR OTHER SPECIAL RIGHTS OF EACH CLASS OF SHARES OF THE COMPANY AND THE QUALIFICATIONS, LIMITATIONS
OR RESTRICTIONS OF SUCH PREFERENCES AND RIGHTS, AND THE VARIATIONS IN RIGHTS, PREFERENCES AND LIMITATIONS DETERMINED FOR EACH SERIES, WHICH ARE FIXED BY THE AMENDED AND RESTATED MEMORANDUM AND ARTICLES OF ASSOCIATION OF THE COMPANY, AS AMENDED, AND
THE RESOLUTIONS OF THE BOARD OF DIRECTORS OF THE COMPANY, AND THE AUTHORITY OF THE BOARD OF DIRECTORS TO DETERMINE VARIATIONS FOR FUTURE SERIES. SUCH REQUEST MAY BE MADE TO THE OFFICE OF THE SECRETARY OF THE COMPANY OR TO THE TRANSFER AGENT. THE
BOARD OF DIRECTORS MAY REQUIRE THE OWNER OF A LOST OR DESTROYED SHARE CERTIFICATE, OR HIS LEGAL REPRESENTATIVES, TO GIVE THE COMPANY A BOND TO INDEMNIFY IT AND ITS TRANSFER AGENTS AND REGISTRARS AGAINST ANY CLAIM THAT MAY BE MADE AGAINST THEM ON
ACCOUNT OF THE ALLEGED LOSS OR DESTRUCTION OF ANY SUCH CERTIFICATE. 
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 
(Cust) (Minor) 
TEN ENT - as tenants by the entireties under Uniform
Gifts to Minors Act 
(State) 
JT TEN - as joint tenants with right of
survivorship and not as tenants in common (Cust) UNIF TRF MIN ACT - Custodian (until age) 
under Uniform Transfers to Minors Act (Minor) (State) 
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 POSTAL ZIP CODE, OF ASSIGNEE) 
of the
ordinary shares represented by the within Certificate, and do hereby irrevocably constitute and appoint 
Shares Attorney to transfer the said shares on the books of
the within-named Corporation with full power of substitution in the premises. 
Dated: 20 
Signature: 
Signature: 
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. 
Signature(s) Guaranteed: Medallion Guarantee Stamp 
THE
SIGNATURE(S) SHOULD BE GUARANTEED BY AN ELIGIBLE GUARANTOR INSTITUTION (Banks, Stockbrokers, Savings and Loan Associations and Credit Unions) WITH MEMBERSHIP IN AN APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM, PURSUANT TO S.E.C. RULE 17Ad-15.

The IRS requires that the named transfer agent (“we”) report the cost basis of certain shares or units acquired after January 1, 2011. If your shares or
units are covered by the legislation, and you requested to sell or transfer the shares or units using a specific cost basis calculation method, then we have processed as you requested. If you did not specify a cost basis calculation method, then we
have defaulted to the first in, first out (FIFO) method. Please consult your tax advisor if you need additional information about cost basis. 
If you do not keep in
contact with the issuer or do not have any activity in your account for the time period specified by state law, your property may become subject to state unclaimed property laws and transferred to the appropriate state.

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