Document:

EX-10.2

 

Exhibit 10.2

EXECUTION COPY

THIRD AMENDMENT TO

FOURTH AMENDED AND RESTATED LOAN AGREEMENT

     THIS THIRD AMENDMENT TO FOURTH AMENDED AND RESTATED LOAN AGREEMENT (this “Amendment”)
is executed and entered into as of March 30, 2007, by and among ASTA FUNDING ACQUISITION I, LLC, a
Delaware limited liability company, ASTA FUNDING ACQUISITION II, LLC, a Delaware limited liability
company, PALISADES COLLECTION, L.L.C., a Delaware limited liability company, PALISADES ACQUISITION
I, LLC, a Delaware limited liability company, PALISADES ACQUISITION II, LLC, a Delaware limited
liability company, PALISADES ACQUISITION IV, LLC, a Delaware limited liability company, PALISADES
ACQUISITION V, LLC, a Delaware limited liability company, PALISADES ACQUISITION VI, LLC, a Delaware
limited liability company, PALISADES ACQUISITION VII, LLC, a Delaware limited liability company,
PALISADES ACQUISITION VIII, LLC, a Delaware limited liability company, PALISADES ACQUISITION IX,
LLC, a Delaware limited liability company, PALISADES ACQUISITION X, LLC, a Delaware limited
liability company, CLIFFS PORTFOLIO ACQUISITION I, LLC, a Delaware limited liability company,
SYLVAN ACQUISITION I, LLC, a Delaware limited liability company, and OPTION CARD, LLC, a Colorado
limited liability company (sometimes collectively referred to herein as “Borrowers” and
individually as a “Borrower”); ASTA FUNDING, INC., a Delaware corporation, COMPUTER
FINANCE, LLC, a Delaware limited liability company, ASTAFUNDING.COM, LLC, a Delaware limited
liability company, ASTA COMMERCIAL, LLC, a Delaware limited liability company, and VATIV RECOVERY
SOLUTIONS, LLC, a Texas limited liability company (collectively, “Guarantor”); ISRAEL
DISCOUNT BANK OF NEW YORK, a New York banking corporation (“IDB”), as collateral agent for
itself and the lenders signatory hereto from time to time (together with any successor collateral
agent appointed pursuant to Section 9.7, the “Collateral Agent”), as administrative agent
(together with any successor administrative agent appointed pursuant to Section 9.7, the
“Administrative Agent”, and together with the Collateral Agent, the “Agents”), and
as co-lead arranger; MERRILL LYNCH CAPITAL, a Division of Merrill Lynch Business Financial Services
Inc. (“Merrill Lynch”), as co-lead arranger and as co-administrative agent; and the Lenders
(as defined below).

RECITALS:

     A. Borrowers and Guarantor (collectively, the “Credit Parties”), along with
Administrative Agent and Lenders entered into a certain Fourth Amended and Restated Loan and
Security Agreement dated as of July 11, 2006 (as amended, modified, supplemented or restated from
time to time, the “Credit Agreement”). All capitalized terms used in this Amendment,
unless specifically defined herein, shall have the meanings attributed to them in the Credit
Agreement.

     B. The Credit Parties have requested that the Lenders amend certain terms of the Credit
Agreement, pursuant to the terms of this Amendment.

AGREEMENT:

     For good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the Credit Parties, Administrative Agent and Lenders agree as follows:

3

 

SECTION 1. ACCURACY OF RECITALS.

     The Credit Parties acknowledge, represent, warrant and agree that the Recitals stated above
are true and complete in all respects.

SECTION 2. MODIFICATION.

     2.1 Temporary Overadvance. The Lenders and Credit Parties acknowledge and agree that the
Temporary Overadvance, provided pursuant to the terms of the First Amendment to Fourth Amended and
Restated Loan Agreement dated as of February 16, 2007, was to be fully reduced to zero on or before
April 17, 2007. The Lender and Credit Parties agree that the Temporary Overadvance shall be
increased to $16,000,000 as of March 30, 2007. The Credit Parties agree that the Temporary
Overadvance shall be reduced to zero on or before May 17, 2007.

     2.2 Increase in Interest Rate. The Lenders and Credit Parties acknowledge and agree that,
notwithstanding the provisions of Section 1.4 of the Loan Agreement, Borrowers shall pay interest
from March 30, 2007 at the following rates: (a) the Base Rate for Base Rate Loans and (b) the
applicable LIBOR Rate plus 275 basis points for LIBOR Loans. The foregoing rates shall remain in
effect until such time as the Applicable Margins are subject to adjustment pursuant to Section 1.4
following delivery of Borrower’s quarterly unaudited or annual audited Financial Statements
evidencing a need for an adjustment

     2.3 No Other Modifications. Except as otherwise specifically modified by this Amendment, all
terms, conditions, covenants, rights, duties, obligations and liabilities of the Credit Parties
under the Credit Agreement remain in full force and effect and unmodified.

SECTION 3. REPRESENTATIONS AND WARRANTIES.

     The execution and delivery of this Amendment and the documents and instruments contemplated by
this Amendment have been duly authorized by all requisite action by or on behalf of the members of
the Credit Parties.

SECTION 4. COVENANTS.

     4.1 This Amendment shall be governed by the terms and provisions of the Credit Agreement.

     4.2 In the event of a conflict between the terms of this Amendment and the terms of the Credit
Agreement, the terms of this Amendment shall govern and control.

     4.3 The Credit Parties hereby confirm and agree that the terms, conditions, covenants,
guaranties, assurances, promises and provisions contained in the Loan Documents to which each is a
party remain in full force and effect without amendment or modification as a result of this
Amendment and that the obligations, liabilities and duties of the Credit Parties remain unimpaired
as a result of this Amendment and are in full force and effect.

SECTION 5. BINDING EFFECT.

     The Credit Agreement as modified herein shall be binding upon and shall inure to the benefit
of the members of the Credit Parties and their successors and assigns.

SECTION 6. COUNTERPART EXECUTION; FACSIMILES.

     This Amendment may be executed in one or more counterparts, each of which shall be deemed an
original and all of which together shall constitute one and the same document. Signature pages may
be detached from the counterparts and attached to a single copy of this Amendment to physically
form one document. Signatures may be

4

 

exchanged by facsimile, with the original signature to follow. Each party to this Amendment
agrees to be bound by its own faxed signature and to accept the faxed signature of the other
parties to this Amendment.

[SIGNATURES PAGES TO FOLLOW]

5

 

IN WITNESS WHEREOF, the parties hereto have executed this Amendment as of the date first above
written.

	 	 	 	 	 	 	 
	BORROWERS:	 	ASTA FUNDING ACQUISITION I, LLC	 	 
	 	 	ASTA FUNDING ACQUISITION II, LLC	 	 
	 	 	PALISADES COLLECTION, L.L.C.	 	 
	 	 	CLIFFS PORTFOLIO ACQUISITION I, LLC	 	 
	 	 	PALISADES ACQUISITION I, LLC	 	 
	 	 	PALISADES ACQUISITION II, LLC	 	 
	 	 	PALISADES ACQUISITION IV, LLC	 	 
	 	 	PALISADES ACQUISITION V, LLC	 	 
	 	 	PALISADES ACQUISITION VI, LLC	 	 
	 	 	PALISADES ACQUISITION VII, LLC	 	 
	 	 	PALISADES ACQUISITION VIII, LLC	 	 
	 	 	PALISADES ACQUISITION IX, LLC	 	 
	 	 	PALISADES ACQUISITION X, LLC	 	 
	 	 	SYLVAN ACQUISITION I, LLC	 	 
	 	 	OPTION CARD, LLC	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Mitchell Cohen
 

Mitchell Cohen
	 	 
	 

	 	Title:
	 	Manager	 	 
	 
	 	 	 	 	 	 
	GUARANTORS:	 	ASTA FUNDING, INC.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Mitchell Cohen
 

	 	 
	 

	 	Name:
	 	Mitchell Cohen	 	 
	 

	 	Title:
	 	Chief Financial Officer	 	 
	 
	 	 	 	 	 	 
	 	 	COMPUTER FINANCE, LLC	 	 
	 	 	ASTAFUNDING.COM, LLC	 	 
	 	 	ASTA COMMERCIAL, LLC	 	 
	 	 	VATIV RECOVERY SOLUTIONS, LLC	 	 
	 
	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Mitchell Cohen	 	 
	 

	 	 	 	 

	 	 
	 

	 	Name:
	 	Mitchell Cohen	 	 
	 

	 	Title:
	 	Manager	 	 

 

 

	 	 	 	 	 	 	 
	AGENT:	 	ISRAEL DISCOUNT BANK OF NEW YORK,	 	 
	 	 	as Administrative Agent, Collateral Agent and	 	 
	 	 	Co-Lead Arranger	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Robert J. Fainelli
 

Robert J. Fainelli
	 	 
	 

	 	Title:
	 	First Vice President	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Jeffrey S. Ackerman
 

Jeffrey S. Ackerman
	 	 
	 

	 	Title:
	 	Senior Vice President	 	 

 

 

	 	 	 	 	 	 	 
	 	 	MERRILL LYNCH BUSINESS FINANCIAL SERVICES INC.,	 	 
	 	 	as Co-Administrative Agent and Co-Lead Arranger	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Patrick McCarthy
 

Patrick McCarthy
	 	 
	 

	 	Title:
	 	Vice Present	 	 

 

 

	 	 	 	 	 	 	 
	LENDERS:	 	ISRAEL DISCOUNT BANK OF NEW YORK,
as Lender	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Robert J. Fainelli
 

Robert J. Fainelli
	 	 
	 

	 	Title:
	 	First Vice President	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Jeffrey S. Ackerman
 

Jeffrey S. Ackerman
	 	 
	 

	 	Title:
	 	Senior Vice President	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	MERRILL LYNCH BUSINESS FINANCIAL SERVICES INC.,
 as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Patrick McCarthy	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Patrick McCarthy	 	 
	 	 	Print Title:	 	 Vice President	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	HARRIS N.A., as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Robert Bomben	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Robert Bomben	 	 
	 	 	Print Title:	 	 Director	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	BANK LEUMI USA, as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Mary Ellen Bianco	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Mary Ellen Bianco	 	 
	 	 	Print Title:	 	 Vice President	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	THE BERKSHIRE BANK, as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Ira A. Mermelstein	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Ira A. Mermelstein	 	 
	 	 	Print Title:	 	 Vice President	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	HSBC BANK USA, N.A., as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Richard J. Eljas	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Richard J. Eljas	 	 
	 	 	Print Title:	 	 Vice President	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	SIGNATURE BANK, as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Thomas J. D’Antone	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Thomas J. D’Antone	 	 
	 	 	Print Title:	 	 Senior Lender & Senior Vice PresidentEX-10.3

 

EXHIBIT 10.3

EXECUTION COPY

FOURTH AMENDMENT TO

FOURTH AMENDED AND RESTATED LOAN AGREEMENT

     THIS FOURTH AMENDMENT TO FOURTH AMENDED AND RESTATED LOAN AGREEMENT (this “Amendment”)
is executed and entered into as of May 10, 2007, by and among ASTA FUNDING ACQUISITION I, LLC, a
Delaware limited liability company, ASTA FUNDING ACQUISITION II, LLC, a Delaware limited liability
company, PALISADES COLLECTION, L.L.C., a Delaware limited liability company, PALISADES ACQUISITION
I, LLC, a Delaware limited liability company, PALISADES ACQUISITION II, LLC, a Delaware limited
liability company, PALISADES ACQUISITION IV, LLC, a Delaware limited liability company, PALISADES
ACQUISITION V, LLC, a Delaware limited liability company, PALISADES ACQUISITION VI, LLC, a Delaware
limited liability company, PALISADES ACQUISITION VII, LLC, a Delaware limited liability company,
PALISADES ACQUISITION VIII, LLC, a Delaware limited liability company, PALISADES ACQUISITION IX,
LLC, a Delaware limited liability company, PALISADES ACQUISITION X, LLC, a Delaware limited
liability company, CLIFFS PORTFOLIO ACQUISITION I, LLC, a Delaware limited liability company,
SYLVAN ACQUISITION I, LLC, a Delaware limited liability company, and OPTION CARD, LLC, a Colorado
limited liability company (sometimes collectively referred to herein as “Borrowers” and
individually as a “Borrower”); ASTA FUNDING, INC., a Delaware corporation, COMPUTER
FINANCE, LLC, a Delaware limited liability company, ASTAFUNDING.COM, LLC, a Delaware limited
liability company, ASTA COMMERCIAL, LLC, a Delaware limited liability company, and VATIV RECOVERY
SOLUTIONS, LLC, a Texas limited liability company (collectively, “Guarantor”); ISRAEL
DISCOUNT BANK OF NEW YORK, a New York banking corporation (“IDB”), as collateral agent for
itself and the lenders signatory hereto from time to time (together with any successor collateral
agent appointed pursuant to Section 9.7, the “Collateral Agent”), as administrative agent
(together with any successor administrative agent appointed pursuant to Section 9.7, the
“Administrative Agent”, and together with the Collateral Agent, the “Agents”), and
as co-lead arranger; MIDDLE MARKET FINANCE, a division of Merrill Lynch Business Financial Services
Inc. (“Merrill Lynch”), as co-lead arranger and as co-administrative agent; and the Lenders
(as defined below).

RECITALS:

     A. Borrowers and Guarantor (collectively, the “Credit Parties”), along with
Administrative Agent and Lenders entered into a certain Fourth Amended and Restated Loan and
Security Agreement dated as of July 11, 2006 (as amended, modified, supplemented or restated from
time to time, the “Credit Agreement”). All capitalized terms used in this Amendment,
unless specifically defined herein, shall have the meanings attributed to them in the Credit
Agreement.

     B. The Credit Parties have requested that the Lenders amend certain terms of the Credit
Agreement, pursuant to the terms of this Amendment.

AGREEMENT:

     For good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the Credit Parties, Administrative Agent and Lenders agree as follows:

SECTION 1. ACCURACY OF RECITALS.

     The Credit Parties acknowledge, represent, warrant and agree that the Recitals stated above
are true and complete in all respects.

2

 

SECTION 2. MODIFICATION.

     2.1 Borrowing Base Definition. As of the date hereof, the definition of “Borrowing Base” as
set forth on Annex A to the Credit Agreement, is amended and restated in its entirety to read as
follows:

     “Borrowing Base” means, as of any date of determination by Agent from time to
time, an amount equal to the sum at such time of:

     i. the Applicable Advance Rate times the Loan Value of Eligible New Portfolios, plus

     ii. the lesser of:

     1. the sum of the Loan Value of Eligible Existing Portfolios, or

     2. $40,000,000 from May 10, 2007 through October 7, 2007 and $20,000,000 from October
8, 2007 and thereafter;

in each case, less any Reserves established by Administrative Agent at such time; and
provided, that, at no time shall Advances against (1) Telecom Receivables exceed
thirty-five percent (35%) of the sum of (a) and (b) of this definition at the date of
determination, (2) any receivables or receivable classes relating to payments by consumers
for computers and furniture exceed twenty percent (20%) of the sum of (a) and (b) of this
definition, or (3) any other receivables or receivables class not specifically permitted
under this Agreement exceed twenty percent (20%) of the sum of (a) and (b) of this
definition.

     2.2 No Other Modifications. Except as otherwise specifically modified by this Amendment, all
terms, conditions, covenants, rights, duties, obligations and liabilities of the Credit Parties
under the Credit Agreement remain in full force and effect and unmodified.

SECTION 3. REPRESENTATIONS AND WARRANTIES.

     The execution and delivery of this Amendment and the documents and instruments contemplated by
this Amendment have been duly authorized by all requisite action by or on behalf of the members of
the Credit Parties.

SECTION 4. COVENANTS.

     4.1 This Amendment shall be governed by the terms and provisions of the Credit Agreement.

     4.2 In the event of a conflict between the terms of this Amendment and the terms of the Credit
Agreement, the terms of this Amendment shall govern and control.

     4.3 The Credit Parties hereby confirm and agree that the terms, conditions, covenants,
guaranties, assurances, promises and provisions contained in the Loan Documents to which each is a
party remain in full force and effect without amendment or modification as a result of this
Amendment and that the obligations, liabilities and duties of the Credit Parties remain unimpaired
as a result of this Amendment and are in full force and effect.

SECTION 5. BINDING EFFECT.

     The Credit Agreement as modified herein shall be binding upon and shall inure to the benefit
of the members of the Credit Parties and their successors and assigns.

3

 

SECTION 6. COUNTERPART EXECUTION; FACSIMILES.

     This Amendment may be executed in one or more counterparts, each of which shall be deemed an
original and all of which together shall constitute one and the same document. Signature pages may
be detached from the counterparts and attached to a single copy of this Amendment to physically
form one document. Signatures may be exchanged by facsimile, with the original signature to
follow. Each party to this Amendment agrees to be bound by its own faxed signature and to accept
the faxed signature of the other parties to this Amendment.

[SIGNATURES PAGES TO FOLLOW]

4

 

IN WITNESS WHEREOF, the parties hereto have executed this Amendment as of the date first above
written.

	 	 	 	 	 	 	 
	BORROWERS:	 	ASTA FUNDING ACQUISITION I, LLC	 	 
	 	 	ASTA FUNDING ACQUISITION II, LLC	 	 
	 	 	PALISADES COLLECTION, L.L.C.	 	 
	 	 	CLIFFS PORTFOLIO ACQUISITION I, LLC	 	 
	 	 	PALISADES ACQUISITION I, LLC	 	 
	 	 	PALISADES ACQUISITION II, LLC	 	 
	 	 	PALISADES ACQUISITION IV, LLC	 	 
	 	 	PALISADES ACQUISITION V, LLC	 	 
	 	 	PALISADES ACQUISITION VI, LLC	 	 
	 	 	PALISADES ACQUISITION VII, LLC	 	 
	 	 	PALISADES ACQUISITION VIII, LLC	 	 
	 	 	PALISADES ACQUISITION IX, LLC	 	 
	 	 	PALISADES ACQUISITION X, LLC	 	 
	 	 	SYLVAN ACQUISITION I, LLC	 	 
	 	 	OPTION CARD, LLC	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Mitchell Cohen
 

Mitchell Cohen
	 	 
	 

	 	Title:
	 	Manager	 	 
	 
	 	 	 	 	 	 
	GUARANTORS:	 	ASTA FUNDING, INC.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Mitchell Cohen
 

Mitchell Cohen
	 	 
	 

	 	Title:
	 	Chief Financial Officer	 	 
	 
	 	 	 	 	 	 
	 	 	COMPUTER FINANCE, LLC	 	 
	 	 	ASTAFUNDING.COM, LLC	 	 
	 	 	ASTA COMMERCIAL, LLC	 	 
	 	 	VATIV RECOVERY SOLUTIONS, LLC	 	 
	 
	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Mitchell Cohen	 	 
	 

	 	Name:
	 	 

Mitchell Cohen
	 	 
	 

	 	Title:
	 	Manager	 	 

 

 

	 	 	 	 	 	 	 
	AGENT:	 	ISRAEL DISCOUNT BANK OF NEW YORK,	 	 
	 	 	as Administrative Agent, Collateral Agent and	 	 
	 	 	Co-Lead Arranger	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Robert J. Fainelli
 

Robert J. Fainelli
	 	 
	 

	 	Title:
	 	First Vice President	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Jeffrey S. Ackerman
 

Jeffrey S. Ackerman
	 	 
	 

	 	Title:
	 	Senior Vice President	 	 

 

 

	 	 	 	 	 	 	 
	 	 	MIDDLE MARKET
FINANCE, a division of MERRILL 
	 	 
	 	 	LYNCH BUSINESS FINANCIAL SERVICES INC., 	 	 
	 	 	as Co-Administrative
Agent and Co-Lead Arranger	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Kenneth R. Geiger
 

Kenneth R. Geiger
	 	 
	 

	 	Title:
	 	Vice President	 	 

 

 

	 	 	 	 	 	 	 
	LENDERS:	 	ISRAEL DISCOUNT BANK OF NEW YORK,	 	 
	 	 	as Lender	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Robert J. Fainelli
 

Robert J. Fainelli
	 	 
	 

	 	Title:
	 	First Vice President	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Jeffrey S. Ackerman
 

Jeffrey S. Ackerman
	 	 
	 

	 	Title:
	 	Senior Vice President	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	MIDDLE MARKET FINANCE, a division of MERRILL 	 	 
	 	 	LYNCH BUSINESS FINANCIAL SERVICES INC., as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Kenneth R. Geiger	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Kenneth R. Geiger	 	 
	 	 	Print Title:	 	 Vice President	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	BMO CAPITAL MARKETS FINANCING, INC.,	 	 
	 	 	as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Robert G. Bomben	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Robert G. Bomben	 	 
	 	 	Print Title:	 	 Director	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	BANK LEUMI USA, as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Mary Ellen Bianco	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Mary Ellen Bianco	 	 
	 	 	Print Title:	 	 Vice President	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	THE BERKSHIRE BANK, as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Ira A. Mermelstein	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Ira Mermelstein	 	 
	 	 	Print Title:	 	 Vice President	 	 

 

 

	 	 	 	 	 	 	 	 	 
	 	 	SIGNATURE BANK, as Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By:	 	/s/ Morey Danon	 	 
	 	 	 	 	 	 	 
	 	 	Print Name:	 	Morey Danon	 	 
	 	 	Print Title:	 	 Senior Vice President	 	 

1

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