Document:

Agreement to Prepay Future Payments at a Discount, dated July 1, 2009

 Exhibit 10.1 
 AGREEMENT TO PREPAY FUTURE PAYMENTS AT A DISCOUNT 
 This Agreement to Prepay Future Payments at a
Discount (the “Agreement”) is dated as of July 1, 2009, by and between Co-Lead Counsel (as defined below), acting collectively as binding representative and agent of the Plaintiffs and MasterCard International Incorporated
(“MasterCard”). Terms used but not defined herein shall have the meanings ascribed to them in the Settlement Agreement (as defined below). 
 W I T N E S S E T H 
 WHEREAS, Constantine Cannon LLP (formerly, Constantine & Partners) and Hagens Berman Sobol Shapiro
LLP (formerly, Hagens Berman), together serve as co-lead counsel (“Co-Lead Counsel”) to the Plaintiffs in the In Re Visa Check/MasterMoney Antitrust Litigation, No. 96-CV-5238 (JG/JO), a class action filed in the U.S. District Court
for the Eastern District of New York (the “Court”) against MasterCard; and 
 WHEREAS, the Plaintiffs and MasterCard filed with the
Court an executed settlement agreement (the “Settlement Agreement”) on June 4, 2003, that the Court approved on December 19, 2003, and that became final on June 1, 2005, after the denial of or expiration of all time for
appeals; and 
 WHEREAS, MasterCard is obligated under Section 3(a) of the Settlement Agreement to make four additional payments of $100
million each (the “Future Payments”) into the Settlement Fund Account on or before the following dates: December 22, 2009, December 22, 2010, December 22, 2011, and December 22, 2012; and 
 WHEREAS, in connection with the Settlement Agreement, Co-Lead Counsel established the MasterCard Qualified Settlement Fund bearing Employer
Identification Number 20-0065872 (the “MasterCard Qualified Settlement Fund”); and 
 WHEREAS, Section 3(b) of the Settlement
Agreement provides that MasterCard may request that Plaintiffs work with MasterCard to establish a mutually agreeable discount rate to apply to any prepayment(s) in the event that MasterCard desires to make one or more payments on an accelerated
basis; and 
 WHEREAS, MasterCard and Co-Lead Counsel now desire to enter into this Agreement to evidence their mutual agreement and specify
the terms with respect to the prepayment by MasterCard of the Future Payments at a discount. 
 NOW THEREFORE, the parties hereto agree as
follows: 
 Section 1. Payment. The parties hereby agree that MasterCard shall make a payment of $335,000,000 (the
“Payment”) on September 30, 2009 (the “Payment Date”) into the existing MasterCard Qualified Settlement Fund account established pursuant to and in compliance with the terms of the Settlement Agreement, which are
incorporated herein. The Payment shall be in full satisfaction of all of MasterCard’s remaining payment obligations to the Plaintiffs under the Settlement Agreement upon Final Approval as defined in Section 4 below. 
 Section 2. Future Payments. Except as provided in Section 4, upon making the Payment, MasterCard shall no longer be obligated to make
the Future Payments. 

 Section 3. Event of Default. Failure of MasterCard to make the Payment on the Payment Date,
shall constitute an event of default hereunder and shall entitle the Plaintiffs to seek from the Court immediate recovery of the Payment and any and all additional relief they believe appropriate including immediately payable post-judgment interest.

 Section 4. Court Approval. Co-Lead Counsel agrees to seek approval of the Court and will use reasonable efforts to secure that
approval as promptly as possible. Upon Court approval and the exhaustion of all available appeals from said approval, this Agreement will become final (“Final Approval”). Except as provided below, no disbursement from the Payment will be
made unless and until Final Approval has occurred and the Court has approved such disbursement. MasterCard shall make the Payment on the Payment Date regardless of whether Final Approval of the Agreement occurs on or before the Payment Date. In the
event that Final Approval of this Agreement does not occur on or before December 22, 2009 or the subsequent dates for such settlement payments under the Settlement Agreement, then MasterCard’s December 22, 2009 payment obligation of
$100 million pursuant to Section 3(a) of the Settlement Agreement or such subsequent payment(s) under the Settlement Agreement that become due under Section 3(a) of the Settlement Agreement shall be deemed to have been made and the $100
million settlement payment for such year may be withdrawn from the MasterCard Qualified Settlement Fund by Co-Lead Counsel on or after the date that such settlement payment was to be paid under Section 3(a) of the Settlement Agreement in full
satisfaction of MasterCard’s obligation to make a settlement payment for such year. In the event that Final Approval of this Agreement is not obtained as a result of a rejection of the Agreement by the Court or, if approved, rejected as a
result of an appeal of said Court approval, then and only then, shall this Agreement become null and void and Plaintiffs shall return the Payment with any accrued interest less any reductions that were made to the Payment pursuant to
MasterCard’s payment obligations under Section 3(a) of the Settlement Agreement. Should this Agreement so become null and void, all the terms of the Settlement Agreement shall remain in full force and effect. 
 Section 5. Choice of Law; Jurisdiction of the Court. All terms of this Agreement shall be governed and interpreted according to the
substantive laws of the State of New York without regard to its choice of law or conflict of laws principles. Co-Lead Counsel and MasterCard agree to hereby irrevocably submit to the exclusive jurisdiction of the Court for any suit, action,
proceeding or dispute arising out of or relating to this Agreement. 
 Section 6. Requisite Authority. MasterCard represents and
warrants that it has the requisite power and authority to enter into this Agreement, and that no additional actions or approvals are required or necessary to evidence such authority. 
 [Signature page follows] 
  

 2 

 IN WITNESS WHEREOF, the signatories have read and understood this Agreement, have executed it,
represent that the undersigned are authorized to execute this Agreement on behalf of the represented parties, have agreed to be bound by its terms and have entered into this Agreement as of the day and year first above written. 
  

					
	MASTERCARD INTERNATIONAL INCORPORATED
		
	By:	 	/s/ Martina Hund-Mejean
		 	 
		 	Name:	 	Martina Hund-Mejean
		 	Title:	 	Chief Financial Officer
	
	CONSTANTINE CANNON LLP,
	Co-Lead Counsel, as binding representative and agent of the Plaintiffs
		
	By:	 	/s/ Robert L. Begleiter
		 	 
		 	Name:	 	Robert L. Begleiter
		 	Title:	 	Partner
	
	HAGENS BERMAN SOBOL SHAPIRO LLP,
	Co-Lead Counsel, as binding representative and agent of the Plaintiffs
		
	By:	 	/s/ George W. Sampson
		 	 
		 	Name:	 	George W. Sampson
		 	Title:	 	Partner

  

 3Waiver, Consent and Seventh Amendment

 Exhibit 10.1 
 EXECUTION COPY 
 WAIVER, CONSENT AND SEVENTH AMENDMENT 
 TO AMENDED AND RESTATED FINANCING AGREEMENT 
 WAIVER, CONSENT AND SEVENTH AMENDMENT, dated as of July 2, 2009 (the “Seventh Amendment”), to the Financing Agreement referred to below, by and among (i) ENHERENT CORP., a Delaware corporation
(“enherent” or the “Parent”), and each Subsidiary of Parent listed as a borrower on the signature pages thereto (together with the Parent, each, a “Borrower” and collectively, the
“Borrowers”), and (ii) ABLECO FINANCE LLC, a Delaware limited liability company (“Ableco”) as lender and as agent (in such capacity, the “Agent”) for itself and each Person that purchases any
portion of Ableco’s rights and obligations under the Financing Agreement pursuant to Sections 2.07 and 10.07 thereof (collectively with Ableco, the “Lenders”). 
 WHEREAS, the Borrowers, the Agent and the Lenders are parties to the Amended and Restated Financing Agreement dated as of April 1, 2005 (as amended
to date, the “Financing Agreement”), pursuant to which the Lenders have agreed to make certain term loans and revolving loans to the Borrowers from time to time in an aggregate principal amount at any time outstanding not to exceed
the aggregate amount set forth in the Financing Agreement; and 
 WHEREAS, the Borrowers have requested that the Agent and the Lenders
(a) amend certain provisions of the Financing Agreement to, among other things, (i) reduce the Revolving Credit Commitment from $4,500,000 to $2,500,000 and (ii) amend certain provisions relating to the Term Loan B amortization set
forth in Section 2.03(a) of the Financing Agreement; and (b) waive the Events of Default arising under Sections 8.01(d) and (e) of the Financing Agreement as a result of the Borrowers’ failure to comply with Section 6.03 of
the Financing Agreement as more fully described in Section 2 hereof; and based upon the terms and conditions set forth herein, the Lenders and the Agent have agreed to such waiver; 
 NOW THEREFORE, in consideration of the premises and other good and valuable consideration, the parties hereto hereby agree as follows: 
 1. Definitions in Seventh Amendment. Any capitalized term used herein and not defined shall have the meaning assigned to it in the Financing
Agreement. 
 (a) The first recital to the Financing Agreement is hereby amended and restated in its entirety to read as
follows: 
 “Dynax Solutions, Inc. (formerly known as Dynax Acquisition Corp.), a Delaware corporation
(“Dynax”), and various of its subsidiaries (collectively, the “Original Borrowers”) were extended credit by the Lender consisting of (a) a term loan B in the original principal amount of $1,700,000 and a
revolving credit facility in an aggregate principal amount not to exceed $2,500,000 at any time outstanding pursuant to the Financing Agreement dated as of March 24, 1999, as amended, modified and supplemented prior to the date hereof (the
“Original Financing Agreement”).” 

 (b) Section 1.01 of the Financing Agreement is hereby amended by adding the
following new definitions in their appropriate alphabetical order, as follows: 
 “‘Seventh Amendment’
means the Waiver, Consent and Seventh Amendment to Amended and Restated Financing Agreement, dated as of July 2, 2009, by and among the Borrowers, the Agent and the Lenders.” 
 “‘Seventh Amendment Effective Date’ means the later of (i) July 2, 2009 and (ii) the date on which
all of the conditions precedent set forth in Section 3 of the Seventh Amendment have been satisfied or waived in writing.” 
 (c) Section 1.01 of the Financing Agreement is hereby amended by amending and restating the definition of “Revolving Credit Commitment” in its entirety to read as follows: 
 “‘Revolving Credit Commitment’ means the commitment of the Lender to make Revolving Loans to the Borrowers in an
aggregate principal amount at any time outstanding not to exceed $2,500,000.00, as such amount may be terminated, reduced or increased from time to time in accordance with the terms of this Agreement.’ 
 (d) Section 2.03(c) of the Financing Agreement is hereby amended and restated in its entirety to read as follows: 
 “(c) As of the close of business on the Seventh Amendment Effective Date, the aggregate amount outstanding under Term Loan B is
$662,000, which amount shall be repayable in consecutive monthly installments on the first day of each month, commencing on August 1, 2009 until the Term Loan B Maturity Date, each such monthly installment in an aggregate amount equal to
(i) in the case of August, September and October of 2009, $10,000 and (ii) for each month thereafter, $47,000; provided, however, that the last such installment shall be in the amount necessary to repay in full the unpaid
principal amount of the Term Loan B, as well as any other outstanding interest or fees related thereto.” 
 2. Waiver and
Consent. 
 (a) Pursuant to the request by the Borrowers, but subject to satisfaction of the conditions set forth in Section 3
hereof, and in reliance upon (i) the representations and warranties of Borrowers set forth herein and in the Financing Agreement and (ii) the agreements of the Borrowers set forth herein, the Lenders and the Agent hereby waive any Event of
Default that may arise under Sections 8.01(d) and (e) of the Financing Agreement by reason of (A) the Borrowers’ failure to maintain the minimum Fixed Charge Coverage Ratio for the fiscal quarter ending June 30, 2009 in
accordance with Section 6.03(a) of the Financing Agreement and (B) the Borrowers’ failure to maintain the minimum Consolidated EBITDA for the fiscal quarter ending June 30, 2009 in accordance with Section 6.03(b) of the
Financing Agreement. 
  

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 (b) The waiver in this Section 2 shall be effective only in this specific instance and for the
specific purposes set forth herein and does not allow for any other or further departure from the terms and conditions of the Financing Agreement or any other Loan Document, which terms and conditions shall remain in full force and effect.

 3. Conditions to Effectiveness. This Seventh Amendment shall become effective only upon satisfaction in full, in a manner
satisfactory to the Agent, of the following conditions precedent (the first date upon which all such conditions shall have been satisfied being herein called the “Seventh Amendment Effective Date”): 
 (a) The representations and warranties contained herein, in Section 5.01 of the Financing Agreement and in each other Loan Document
and certificate or other writing delivered to the Agent pursuant hereto on or prior to the Seventh Amendment Effective Date shall be correct on and as of the Seventh Amendment Effective Date as though made on and as of such date, except to the
extent that such representations and warranties (or any schedules related thereto) expressly relate solely to an earlier date (in which case such representations and warranties shall be true and correct on and as of such date); and, no Default or
Event of Default (other than the Event of Default waived by Section 2 hereof) shall have occurred and be continuing on the Seventh Amendment Effective Date. 
 (b) The Agent shall have received counterparts of this Seventh Amendment which bear the signatures of each Borrower. 
 (c) All legal matters incident to this Seventh Amendment shall be satisfactory to the Agent and its counsel. 
 4. Representations and Warranties. Each Borrower hereby represents and warrants to the Agent and the Lenders as follows: 
 (a) Representations and Warranties; No Event of Default. The representations and warranties herein, in Section 5.01 of the
Financing Agreement and in each other Loan Document and certificate or other writing delivered to the Agent or the Lenders pursuant hereto on or prior to the Seventh Amendment Effective Date shall be correct on and as of the Seventh Amendment
Effective Date as though made on and as of such date, except to the extent that such representations and warranties (or any schedules related thereto) expressly relate solely to an earlier date (in which case such representations and warranties
shall be true and correct on and as of such date); and no Default or Event of Default (other than the Event of Default waived by Section 2 hereof) shall have occurred and be continuing on the Seventh Amendment Effective Date. 
 (b) Organization, Good Standing, Etc. Such Borrower (i) is a corporation duly organized, validly existing and in good standing
under the laws of the state of its organization, (ii) has all requisite power and authority to execute, deliver and perform this Seventh Amendment and to perform the Financing Agreement, as amended hereby, and (iii) is duly qualified to do
business and is in good standing in each jurisdiction in which the character of the properties owned or leased by it or in which the transaction of its business makes such qualification necessary. 
  

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 (c) Authorization, Etc. The execution, delivery and performance by such Borrower
of this Seventh Amendment, and the performance by such Borrower of the Financing Agreement, as amended hereby, (i) have been duly authorized by all necessary action, (ii) do not and will not contravene such Borrower’s charter or
by-laws, any applicable law or any contractual restriction binding on or otherwise affecting it or any of its properties, (iii) do not and will not result in or require the creation of any Lien (other than pursuant to any Loan Document) upon or
with respect to any of its properties, and (iv) do not and will not result in any suspension, revocation, impairment, forfeiture or nonrenewal of any permit, license, authorization or approval applicable to its operations or any of its
properties. 
 (d) Governmental Approvals. No authorization or approval or other action by, and no notice to or filing
with, any Governmental Authority or other regulatory body is required in connection with the due execution, delivery and performance by such Borrower of this Seventh Amendment, or for the performance of the Financing Agreement, as amended hereby.

 (e) Enforceability of Loan Documents. Each of this Seventh Amendment, the Financing Agreement, as amended hereby,
and each other Loan Document to which such Borrower is a party is a legal, valid and binding obligation of such Borrower, enforceable against such Borrower in accordance with its terms, except as such enforceability may be limited by or subject to
any bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting creditors’ rights generally. 
 5. Continued
Effectiveness of Financing Agreement. Each Borrower hereby (i) confirms and agrees that each Loan Document to which it is a party is, and shall continue to be, in full force and effect and is hereby ratified and confirmed in all respects
except that on and after the Seventh Amendment Effective Date all references in any such Loan Document to “the Financing Agreement”, “thereto”, “thereof”, “thereunder” or words of like import referring to the
Financing Agreement shall mean the Financing Agreement as amended by this Seventh Amendment, and (ii) confirms and agrees that to the extent that any such Loan Document purports to assign or pledge to the Agent or any Lender, or to grant to the
Agent or any Lender a Lien on any collateral as security for the Obligations of such Borrower from time to time existing in respect of the Financing Agreement and the other Loan Documents, such pledge, assignment and/or grant of a Lien is hereby
ratified and confirmed in all respects. 
 6. Release by the Borrowers. 
 Effective on the Seventh Effective Date, each Borrower, for itself and on behalf of its successors, assigns, and officers, directors, employees, agents
and attorneys, and any Person acting for or on behalf of, or claiming through it, hereby waives, releases, remises and forever discharges each Agent and each Lender, each of their respective Affiliates, and each of their respective successors in
title, past, present and future officers, directors, employees, limited partners, general partners, investors, attorneys, assigns, subsidiaries, shareholders, trustees, agents and other professionals and all other persons and entities to whom any
member of the Lenders would be liable if such persons or entities were found to be liable to the Borrowers (each a “Releasee” and collectively, 

  

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the “Releasees”), from any and all past and present claims, suits, liens, lawsuits, adverse consequences, amounts paid in settlement, debts,
deficiencies, diminution in value, disbursements, demands, obligations, liabilities, causes of action, damages, losses, costs and expenses of any kind or character, whether based in equity, law, contract, tort, implied or express warranty, strict
liability, criminal or civil statute or common law (each a “Claim” and collectively, the “Claims”), whether known or unknown, fixed or contingent, direct, indirect, or derivative, asserted or unasserted, matured or
unmatured, foreseen or unforeseen, past or present, liquidated or unliquidated, suspected or unsuspected, which any Borrower ever had from the beginning of the world, now has, or might hereafter have against any such Releasee through the Seventh
Amendment Effective Date, which Claims relate, directly or indirectly, to any act or omission by any Releasee that occurred on or prior to the date of this Seventh Amendment and relate, directly or indirectly, to the Financing Agreement, any other
Loan Document, or any acts or omissions of any such Releasee with respect to the Financing Agreement or any other Loan Document, or the lender-borrower relationship evidenced by the Loan Documents, except for the duties and obligations set forth in
the Financing Agreement and this Seventh Amendment. As to each and every claim released hereunder, each Borrower hereby represents that it has received the advice of legal counsel with regard to the releases contained herein, and having been so
advised, specifically waives the benefit of the provisions of Section 1542 of the Civil Code of California which provides as follows: 
 “A GENERAL
RELEASE DOES NOT EXTEND TO CLAIMS WHICH A CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM, MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.” 
 As to each and every claim released hereunder, each Borrower also waives the benefit of each other similar provision of applicable federal or state law
(including without limitation the laws of the state of New York), if any, pertaining to general releases after having been advised by its legal counsel with respect thereto. 
 Each Borrower acknowledges that it may hereafter discover facts different from or in addition to those now known or believed to be true with respect to
such claims, demands, or causes of action and agrees that this instrument shall be and remain effective in all respects notwithstanding any such differences or additional facts. Each Borrower understands, acknowledges and agrees that the release set
forth above may be pleaded as a full and complete defense and may be used as a basis for an injunction against any action, suit or other proceeding which may be instituted, prosecuted or attempted in breach of the provisions of such release.

 Each Borrower, for itself and on behalf of its successors, assigns, and officers, directors, employees, agents and attorneys, and any
Person acting for or on behalf of, or claiming through it, hereby absolutely, unconditionally and irrevocably, covenants and agrees with and in favor of each Releasee above that it will not sue (at law, in equity, in any regulatory proceeding or
otherwise) any Releasee on the basis of any claim released, remised and discharged by such Person pursuant to the above release. Each Borrower further agrees that it shall not dispute the validity or enforceability of the Financing Agreement or any
of the other Loan Documents or any of its obligations thereunder, or the validity, priority, enforceability or the extent of the Agent’s Lien on any item of Collateral under the Financing Agreement or the other Loan Documents. If any Borrower
or any of its respective successors, 

  

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assigns, or officers, directors, employees, agents or attorneys, or any Person acting for or on behalf of, or claiming through it violate the foregoing
covenant, such Person, for itself and its successors, assigns and legal representatives, agrees to pay, in addition to such other damages as any Releasee may sustain as a result of such violation, all attorneys’ fees and costs incurred by such
Releasee as a result of such violation. 
 7. Miscellaneous. 
 (a) This Seventh Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which shall be
deemed to be an original, but all of which taken together shall constitute one and the same agreement. 
 (b) Section and paragraph headings
herein are included for convenience of reference only and shall not constitute a part of this Seventh Amendment for any other purpose. 
 (c)
This Seventh Amendment shall be governed by, and construed in accordance with, the laws of the State of New York. 
 (d) Each Borrower hereby
acknowledges and agrees that this Seventh Amendment constitutes a “Loan Document” under the Financing Agreement. Accordingly, it shall be an Event of Default under the Financing Agreement if (i) any representation or warranty made by
a Borrower under or in connection with this Seventh Amendment shall have been untrue, false or misleading in any material respect when made, or (ii) a Borrower shall fail to perform or observe any term, covenant or agreement contained in this
Seventh Amendment. 
 (e) The Borrowers will pay on demand all reasonable out-of-pocket costs and expenses of the Agent and the Lenders in
connection with the preparation, execution and delivery of this Seventh Amendment, including, without limitation, the reasonable fees, disbursements and other charges of Schulte Roth & Zabel LLP, counsel to the Agent and the Lenders.

  

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

			
	BORROWERS:
	
	ENHERENT CORP.
		
	By:	 	 /s/ Pamela Fredette

	Name:	 	Pamela Fredette
	Title:	 	President and CEO
	
	AGENT and LENDER:
	
	ABLECO FINANCE LLC, as lender and agent, on behalf of itself and its affiliate assigns
		
	By:	 	 /s/ Daniel Wolf

	Name:	 	Daniel Wolf
	Title:	 	President

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