Document:

Exhibit 10b

POWER OF ATTORNEY

We, the undersigned directors and/or officers of Lincoln Life & Annuity Company of New York, hereby constitute and appoint Delson R. Campbell, Scott C. Durocher, Kimberly A. Genovese, Daniel P. Herr, Donald E. Keller, Brian A. Kroll, Michelle Grindle, Jeffrey L. Smith and John D. Weber, individually, our true and lawful attorneys-in-fact, with full power to each of them to sign for us, in our names and in the capacities indicated below, any Registration Statements and any and all amendments to Registration Statements; including exhibits, or other documents filed on Forms N-6 or N-4 or any successors or amendments to these Forms, filed with the Securities and Exchange Commission, under the Securities Act of 1933 and/or Securities Act of 1940, on behalf of the Company in its own name or in the name of one of its Separate Accounts, hereby ratifying and confirming our signatures as they may be signed by any of our attorneys-in-fact to any amendment to said Registration Statements as follows:

Variable Life Insurance Separate Accounts:

	
Lincoln Life & Annuity Flexible Premium Variable Life Account M (811-08559)

	
VUL-I / VULcv

VULcv-II / VUL Flex ES

VULcv-III ES

VULdb / VULdb ES

VULdb-II ES

VULone ES / VULone 2005 ES

Momentum VULone / Momentum VULone 2005

VULcv-IV ES

VULdb-IV ES

AssetEdge VUL

AssetEdge VUL/AssetEdge Exec VUL 2015

VULone 2007

VULone 2010

	
LLANY Separate Account R for Flexible Premium Variable Life (811-08651)

	
SVUL / SVUL ES

SVUL-II ES

SVUL-III ES

SVUL-IV ES/PreservationEdge SVUL

SVULone ES

Momentum SVULone

SVULone 2007

	
LLANY Separate Account S for Flexible Premium Variable Life (811-09257)

	
CVUL Series III ES

LCV4 ES

LCV5 ES / LCC VUL

	
Lincoln Life & Annuity Flexible Premium Variable Life Account Y (811-21029)

	
American Legacy VULcv-III

American Legacy VULdb-II

American Legacy SVUL-III

American Legacy VULcv-IV

American Legacy VULdb-IV

American Legacy SVUL-IV/PreservationEdge SVUL

American Legacy AssetEdge

Variable Annuity Insurance Separate Accounts:

	
Lincoln Life & Annuity Variable Annuity  Account H (811-08441)

	
American Legacy III

American Legacy III B Class

American Legacy III C Share

American Legacy III Plus

American Legacy III View

American Legacy Design

American Legacy Signature

American Legacy Fusion

American Legacy Series

American Legacy Advisory

Shareholder's Advantage

Shareholder's Advantage A Class

	
Lincoln Life & Annuity Variable Annuity Account L (811-07785)

	
Group Variable Annuity

	
Lincoln New York Account N for Variable Annuities (811-09763)

	
ChoicePlus Assurance (A Share)

ChoicePlus Assurance (A Class)

ChoicePlus Assurance (B Share)

ChoicePlus Assurance (B Class)

ChoicePlus Assurance (C Share)

ChoicePlus Assurance (L Share)

ChoicePlus Assurance (Bonus)

ChoicePlus

ChoicePlus II

ChoicePlus Access

ChoicePlus II Access

ChoicePlus II Advance

ChoicePlus II Bonus

ChoicePlus Design

ChoicePlus Signature

ChoicePlus Fusion

ChoicePlus Series

ChoicePlus Prime

ChoicePlus Advisory

Lincoln InvestmentSolutions

Lincoln Investor Advantage

Lincoln Investor Advantage Fee-Based

Lincoln Investor Advantage Advisory

Core Income

Except as otherwise specifically provided herein, the power-of-attorney granted herein shall not in any manner revoke in whole or in part any power-of-attorney that each person whose signature appears below has previously executed.  This power-of-attorney shall not be revoked by any subsequent power-of-attorney each person whose signature appears below may execute, unless such subsequent power specifically refers to this power-of-attorney or specifically states that the instrument is intended to revoke all prior general powers-of-attorney or all prior powers-of-attorney.

This Power-of-Attorney may be executed in separate counterparts each of which when executed and delivered shall be an original; but all such counterparts shall together constitute one and the same

instrument.  Each counterpart may consist of a number of copies, each signed by less than all, but together signed by all, of the undersigned.

Signature                                                                                    Title

/s/ Dennis R. Glass

	______________________________	
President and Director

Dennis R. Glass

/s/ Ellen Cooper

______________________________                        Executive Vice President, Chief Investment Officer Ellen Cooper  and Director

/s/ Randal J. Freitag

______________________________                         Executive Vice President; Chief Financial Officer Randal J. Freitag  and Director

/s/ George W. Henderson, III

______________________________                         Director

George W. Henderson, III

/s/ Mark E. Konen

______________________________                         Director

Mark E. Konen

/s/ M. Leanne Lachman

______________________________                        Director

M. Leanne Lachman

/s/ Louis G. Marcoccia

______________________________                     Director

Louis G. Marcoccia

/s/ Patrick S. Pittard

_______________________________                 Director

Patrick S. Pittard

We, Delson R. Campbell, Scott C. Durocher, Kimberly A. Genovese, Daniel P. Herr, Donald E. Keller, Brian A. Kroll, Michelle Grindle, Jeffrey L. Smith and John D. Weber, have read the foregoing Power of Attorney.  We are the person(s) identified therein as agent(s) for the principal named therein.  We acknowledge our legal responsibilities.

/s/ Delson R. Campbell                                                                                                     /s/ Scott C. Durocher

____________________________________                          ________________________________

Delson R. Campbell                                                                                                                              Scott C. Durocher

/s/ Kimberly A. Genovese                                                                                              /s/ Daniel P. Herr

____________________________________                           ________________________________

Kimberly A. Genovese                                                                                                      Daniel P. Herr

/s/ Donald E. Keller                                                                                                                /s/ Brian A. Kroll

____________________________________                          ________________________________

Donald E. Keller                                                                                                                         Brian A. Kroll

/s/ Michelle Grindly                                                                                                                 /s/ Jeffrey L. Smith

____________________________________                           ________________________________

Michelle Grindle                                                                                                                             Jeffrey L. Smith

/s/ John D. Weber

________________________________

John D. Weber

Version:  July 2018Exhibit 10.1

 

AMENDMENT NO.
1 

TO

AMENDED AND
RESTATED ADVISORY AGREEMENT

 

THIS
AMENDMENT NO. 1 (this “Amendment”) is made as of August 3, 2018 to the Amended and Restated Advisory Agreement,
dated as of March 8, 2012 (the “Agreement”), by and between Rich Uncles Real Estate Investment Trust I (the
 “Company”), and BrixInvest, LLC (the “Advisor”).

 

AMENDMENT

 

Paragraph (a) of Section
9 of the Agreement is hereby amended and restated in its entirety to read in full as follows:

 

“(a)       Asset
Management Fee. The Company shall pay to the Advisor as compensation for the advisory services rendered to the Company under Paragraph
3 above, a monthly fee in an amount equal to 0.05% of the Company’s Average Invested Assets (the “Asset Management
Fee”), as of the end of the preceding month. The Asset Management Fee shall be payable monthly on the last business day of
such month. The Asset Management Fee, which will not exceed fees which are competitive for similar services in the same geographic
area, may or may not be taken, in whole or in part as to any year, in the sole discretion of the Advisor. All or any portion of
the Asset Management Fee not taken as to any fiscal year shall be deferred without interest and may be taken in such other fiscal
year as the Advisor shall determine.”

 

No other term or provision
of the Agreement shall be deemed amended, changed or modified except as set forth above.

 

IN WITNESS WHEROF, the undersigned
have executed this Amendment as of the date first set forth above.

 

	Rich Uncles Real Estate Investment Trust I	BrixInvest, LLC
	 	 	 	 
	
        By:
	/s/ RAYMOND J. PACINI	
        By:

        

        
	/s/ HAROLD HOFER
	 	Raymond J. Pacini	 	Harold Hofer
	 	Chief Financial Officer	 	Manager

 

    1a103cnhforbearanceagreem

                                                             EXECUTION COPY                          FORBEARANCE AGREEMENT AND               AMENDMENT TO CREDIT AND SECURITY AGREEMENT          THIS  FORBEARANCE  AGREEMENT  AND  AMENDMENT  TO  CREDIT  AND   SECURITY AGREEMENT (this “Agreement”), entered into as of May 31, 2018, is made and   entered  into  by  and  among  CNH  FINANCE  FUND  I,  L.P.  (formerly  known  as  SCM   SPECIALTY  FINANCE  OPPORTUNITIES  FUND,  L.P.),  a  Delaware  limited  partnership   (“Lender”)  and  HOOPER  HOLMES,  INC.,  a  New  York  corporation  (“Hooper  Holmes”),   HOOPER  DISTRIBUTION  SERVICES,  LLC, a New Jersey limited liability  company   (“Hooper  Distribution”),  HOOPER  WELLNESS,  LLC,  a  Kansas  limited  liability  company   (“Hooper  Wellness”),  ACCOUNTABLE  HEALTH  SOLUTIONS,  LLC,  a  Kansas  limited   liability  company  (“Accountable  Health”),  HOOPER  INFORMATION  SERVICES,  INC.,  a   New Jersey corporation (“Hooper Information”), HOOPER KIT SERVICES, LLC, a Kansas   limited  liability  company  (“Hooper  Kit”),  and  PROVANT  HEALTH  SOLUTIONS,  LLC,  a   Rhode  Island  limited  liability  company  (“Provant  Health”,  together  with  Hooper  Holmes,   Hooper  Distribution,  Hooper  Wellness,  Accountable  Health,  Hooper  Information  and  Hooper   Kit, individually, a “Borrower,” and collectively, the “Borrowers”).          WHEREAS,  Borrowers  and  Lender  are parties  to  that  certain  Credit  and  Security  Agreement dated as of April 29, 2016 (as amended to date, and as the same may from time to  time  be  further  amended,  restated,  supplemented  or  otherwise  modified,  the  “Credit   Agreement”), pursuant to which, subject to the terms and conditions set forth therein, Lender   has made certain credit facilities available to Borrowers.            WHEREAS, (a) Borrowers have failed to make a principal payment of $250,000 under   the Closing Date Subordinated Debt Documents when due on March 15, 2018, which is an Event   of Default under Section 8.1(f) of the Credit Agreement, (b) Borrowers have failed to make a   principal payment of $1,750,000 under the Closing Date Subordinated Debt Documents when   due  on  April  30,  2018,  which  is  an  Event  of  Default  under  Section  8.1(f)  of  the  Credit   Agreement, (c) the chief executive officer of the Borrowers has resigned giving rise to a Change   of  Control,  which  is  an  Event  of  Default  under  Section  8.1(i)  of  the  Credit  Agreement,  (d)   Borrowers  have  failed  to  furnish  to  Lender  annual  consolidated and  consolidating  financial   statements  for  2017,  in  the  time  and  as  otherwise  required  by  Section  6.1(a)(i)  of  the  Credit   Agreement,  (e)  Borrowers  have  failed  to  furnish  to  Lender  monthly  consolidated  and   consolidating financial statements for January, February, March and April of 2018 in the time   and  as  otherwise  required  by  Section  6.1(a)(ii)  of  the  Credit  Agreement,  (f)  Borrowers  have   failed to furnish to Lender Compliance Certificates and bank statements required to be provided   by Sections 6.1(a) of the Credit Agreement for 2017 and January, February, March and April of   2018  in  the  time  and  as  otherwise required,  and  (g)  for  the  quarters  ending  on  December  31,   2017 and March 30, 2018, Borrowers have violated each of the financial and loan covenants set   forth on Annex I of the Credit Agreement, in breach of the covenant set forth in Section 7.1 of   the Credit Agreement (collectively, the “Subject Events of Default”);          WHEREAS, by reason of the existence of the Subject Events of Default, Lender has full   legal right to exercise its rights and remedies under the Credit Agreement and the other Loan   Documents as a result of the occurrence of the Subject Events of Default, and Borrowers have no   defenses, offsets or counterclaims to the exercise of such rights and remedies;     DM3\5225908.2  

 

      WHEREAS, Borrowers have requested and Lender has agreed to, among other things, for  the period from the date hereof through the Forbearance Period (as defined below) to forbear from  exercising its rights and remedies under the Loan Documents with respect to the Subject Events  of  Default  subject  to the  satisfaction  or  waiver,  in  Lender’s  sole  discretion,  of  each  of  the  conditions precedent set forth herein.         WHEREAS,  Borrowers  and  Lender  desire  to  amend  the  Credit  Agreement  as  more  particularly set forth herein.          NOW, THEREFORE, in consideration of the foregoing premises, the mutual covenants  and conditions herein contained, and for other good and valuable consideration, the receipt and  sufficiency of which are hereby acknowledged, the parties agree as follows:         1.    Defined Terms.  Initially capitalized terms used herein and not defined herein that  are  defined  in  the  Credit  Agreement  shall  have  the  meanings  assigned  to  them  in  the  Credit  Agreement (as amended hereby).         2.    Agreement  to  Forbear.   During  the  period  commencing  on  the  date  hereof  and  ending on the earlier to occur of (i) August 31, 2018 and (ii) the occurrence of any Additional  Default  (as  defined  below)  (the  “Forbearance  Period”),  and  subject  to  the  specific  conditions  precedent set forth in Section 9 hereof and to the other terms and conditions of this Agreement,  Lender  agrees  that  it  will  forbear  from  exercising  its  rights  and  remedies  under  the  Loan  Documents  due  to  the  Subject  Events  of  Default.   Notwithstanding  any  provision  of  this  Agreement, the Forbearance Period shall terminate, and nothing contained herein shall limit any  rights or remedies of Lender under the Credit Agreement or any other Loan Document, upon a  Default or Event of Default which is not a Subject Event of Default (each an “Additional Default”).   For purposes of this Agreement, a default or termination of the forbearance period under the SWK  Forbearance Agreement (as defined in Section 9(b) hereof) shall constitute an Additional Default.   Upon  the  expiration  or  termination  of  the  Forbearance  Period,  Lender’s  forbearance  shall  automatically  terminate  and  Lender  shall  be  entitled  to  exercise  any  and  all  of  its  rights  and  remedies under this Agreement, the Credit Agreement and the Loan Documents without further  notice.  Borrowers hereby agree that Lender shall have no obligation to extend the Forbearance  Period; provided, however, that Borrowers and Lender may extend such Forbearance Period by  written agreement.         3.    Default Interest.  During the Forbearance Period and while any Event of Default  remains outstanding and uncured, in accordance with Section 3.6 of the Credit Agreement, the  Applicable Rate of interest with respect to the Obligations shall continue to accrue at the Default  Rate.         4.    Amendment to Credit Agreement.                 (a)   The definition of “Termination Date” set forth in Section 1.2 of the Credit  Agreement is hereby amended and restated in its entirety as follows:                      “ “Termination Date” means, unless extended by Lender in its sole              discretion in writing in advance of the Termination Date, the earlier to occur              of  (a)  consummation  of  a  Transaction  (as  defined  in  the  Forbearance                                         2  DM3\5225908.2  

 

            Agreement),  (b)  September  4,  2018,  (c)  any  date  on  which  the  Lender              accelerates the maturity of the Loans pursuant to Article VIII, or (d) the              termination  date  stated  in  any  notice  of  termination  of  this  Agreement              provided by Borrowers in accordance with Section 11.1.”                (b)   The definition of “Forbearance Agreement” is hereby added to Section 1.2  of the Credit Agreement as follows:                     “  “Forbearance  Agreement”  means  the  Forbearance  Agreement  and              Amendment to Credit and Security Agreement, dated as of May 31, 2018, by and              among the Borrowers and the Lender.”         5.    Overadvance.  In accordance with Section 2.1(a)(iii) of the Credit Agreement, the  Lender has made Advances to Borrowers of up to $250,000 in excess of Availability.  Subject to  the terms and conditions of this Agreement, during the period beginning on June 1, 2018 and  ending on August 28, 2018, the Lender shall continue to make Advances to Borrowers of up to  $250,000 in excess of Availability (the “Overadvances”).  Borrowers hereby agree that Lender  shall have no obligation to make any Overadvances beyond the earlier to occur of August 28, 2018  and the termination of the Forbearance Period.         6.    No  Waiver.  Nothing  contained  in this  Agreement  or  any  other communication  between Lender, Borrowers or any other loan party shall be a waiver of any past, present or future  violation,  Default  or  Event  of  Default  of  Borrowers  under the  Credit Agreement  or  any  Loan  Document.  Lender hereby expressly reserves any rights, privileges and remedies under the Credit  Agreement and each Loan Document that Lender may have with respect to any violation, Default  or Event of Default, and any failure by Lender to exercise any right, privilege or remedy as a result  of the violations set forth above shall not directly or indirectly in any way whatsoever either (i)  impair, prejudice or otherwise adversely affect the rights of Lender, except as set forth herein, at  any time to exercise any right, privilege or remedy in connection with the Credit Agreement or  any Loan  Document,  (ii)  amend  or  alter  any  provision  of  the  Credit  Agreement  or  any  Loan  Document or any other contract or instrument or (iii) constitute any course of dealing or other basis  for altering any obligation of Borrowers or any rights, privilege or remedy of Lender under the  Credit Agreement or any Loan Document or any other contract or instrument.  Nothing in this  Agreement shall be construed to be a consent by Lender to any prior, existing or future violations  of the Credit Agreement or any Loan Document.         7.    Future  Compliance.   Borrowers  are  hereby  notified  that  irrespective  of  (i)  any  waivers or consents previously granted by Lender regarding the Credit Agreement and the Loan  Documents,  (ii)  any  previous  failures  or  delays  of  Lender  in  exercising  any right,  power  or  privilege under the  Credit Agreement  or the Loan  Documents  or (iii) any previous failures  or  delays of Lender in the monitoring or in the requiring of compliance by Borrowers with the duties,  obligations  and  agreements  of  Borrowers  in  the  Credit  Agreement  and  the  Loan  Documents,  Borrowers  will  be  expected  to  and  required to  comply  strictly  with  its  duties,  obligations  and  agreements under the Credit Agreement and the Loan Documents.         8.    Representations and Warranties.  Each Borrower represents and warrants to Lender  that, before and after giving effect to this Agreement:                                         3  DM3\5225908.2  

 

            (a)   All  warranties  and  representations  made  to  Lender  under  the  Credit  Agreement and the Loan Documents are true and correct on and as of the date hereof and on and  as of the date of execution hereof as though made on and as of each such date (except to the extent  such representations and warranties expressly relate to an earlier date).               (b)   The  execution,  delivery  and  performance  by  each  Credit  Party  of  this  Agreement and any assignment, instrument, document, or agreement executed and delivered in  connection herewith and the consummation of the transactions contemplated hereby and thereby  (i) have been duly authorized by all requisite action of the appropriate Credit Party and have been  duly executed and delivered by or on behalf of such Credit Party; (ii) do not violate any provisions  of  (A)  applicable  law,  statute,  rule,  regulation,  ordinance  or  tariff,  (B)  any  order  of  any  Governmental  Authority  binding  on  any  Credit  Party  or  any  of  the Credit  Parties’  respective  properties the effect of which would reasonably be expected to have a Material Adverse Effect, or  (C) the certificate of incorporation or bylaws (or any other equivalent governing agreement or  document) of each Credit Party, or any agreement between any Credit Party and its shareholders,  members, partners or equity owners or among any such shareholders, members, partners or equity  owners; (iii) are not in conflict with, and do not result in a breach or default of or constitute an  Event  of Default,  or  an  event, fact,  condition,  breach,  Default or  Event of  Default  under, any  indenture, agreement or other instrument to which any Credit Party is a party, or by which the  properties  or  assets  of  any  Credit  Party  are  bound,  the  effect  of which  would  reasonably  be  expected to have a Material Adverse Effect; (iv) except as set forth herein, will not result in the  creation or imposition of any Lien of any nature upon any of the properties or assets of any Credit  Party, and (v) do not require the consent, approval or authorization of, or filing, registration or  qualification with, any Governmental Authority or Credit Party unless otherwise obtained.               (c)   This Agreement and any assignment, instrument, document, or agreement  executed and delivered in connection herewith constitutes the legal, valid and binding obligation  of  each  respective  Credit  Party,  enforceable  against  such  Credit  Party  in  accordance  with  its  respective terms.               (d)   Except for the Subject Events of Default, no Default or Event of Default has  occurred  and  is  continuing  or  would  exist  under  the  Credit  Agreement  or  any  of  the  Loan  Documents, before and after giving effect to this Agreement.         9.    Conditions  Precedent.   The  forbearance  set  forth  in Section  2 hereof  and  the  amendments set forth in Section 4 hereof shall be effective on the date hereof upon completion of  the following conditions precedent (with all documents to be in form and substance satisfactory to  Lender and Lender’s counsel):               (a)   Lender shall have received this Agreement duly executed by Borrowers;               (b)   Lender shall have received that certain Fifth Amendment to Amended and  Restated  Credit  Agreement  by  and  among  Hooper  Holmes  and  Closing  Date  Subordinated  Creditor dated as of May 31, 2018 (the “SWK Forbearance Agreement”), duly executed by all  parties thereto;                                          4  DM3\5225908.2  

 

            (c)   Payment of all fees, charges and expenses payable to Lender on or prior to  the date hereof, if any, and a forbearance fee which Borrowers hereby agree Lender has fully  earned as of the date hereof in an amount equal to Twenty Nine Thousand and No/100 Dollars  ($29,000.00);                (d)   All  corporate,  limited  partnership  and  limited  liability  company  proceedings taken in connection with the transactions contemplated by this Agreement and all  documents, instruments and other legal matters incident thereto shall be satisfactory to Lender;  and               (e)   Borrowers shall have executed and/or delivered such additional documents,  instruments and agreements as requested by Lender.         10.   Post-Closing  Obligations.  Borrowers  shall  comply  with  each  of  the  following  additional covenants and requirements at all times prior to the payment in full of the Obligations,  the  failure  of  which  would  constitute  an  immediate  Event  of  Default  and  termination  of  the  forbearance provided for in Section 2 of this Agreement:                (a)   On  the  first  Business  Day  of  each  week  during  the  Forbearance  Period,  Borrowers shall provide to Lender an updated cash flow forecast for Borrowers substantially in  the form attached hereto as Exhibit A, as well as a cumulative comparison of actual results to prior  cash  flow projections  delivered  by  Borrowers  to  Lender  in  form  and  substance  acceptable  to  Lender.   Any  financial  reporting  or  information  provided  to  the  Closing  Date  Subordinated  Creditor shall be provided contemporaneously to the Lender.                  (b)   Borrowers’ actual expenses for the period covered in the cash flow forecast  attached hereto as Exhibit A shall not exceed the budget amounts for such expenses by more than  15% unless otherwise agreed to by Lender in its sole discretion.                (c)   Borrowers shall continue to use reasonable best efforts to identify potential  acquirers or investors and to effectuate a transaction that results in a merger, acquisition, or similar  material  investment  (a  “Transaction”)  in  Borrowers  as  imminently  as  reasonably  possible.  Borrowers further agree to cooperate with Lender and potential acquirers and investors and to use  reasonable best efforts to assist all parties in completing the Transaction. In addition, Borrowers  shall continue to engage a financial advisor (the “Advisor”), reasonably acceptable to Lender to  advise and represent Borrowers in relation to the Transaction until the earlier of the consummation  of such Transaction or the payment in full of the Obligations.  Borrowers shall provide to Lender  any and all information and documentation provided to the Closing Date Subordinated Creditor,  including any information and documentation relating to a Transaction or potential Transaction,  with  such  information  and  documentation  provided  to  Lender  contemporaneously  with  its  provision to the Closing Date Subordinated Creditor.               (d)   Unless  otherwise  agreed  to  by  Lender  in  its  commercially-reasonable  discretion, Borrowers shall meet or exceed any milestone or deadlines established by the Advisor  from time to time in relation to a Transaction, as such milestones or deadlines shall be agreed to  by Lender and Borrowers from time to time in their commercially reasonable discretion.          11.     Miscellaneous.                                           5  DM3\5225908.2  

 

            (a)   Full  Force  and  Effect.   Each  reference  in  the  Credit  Agreement  to  “this  Agreement”,  “herein”,  “hereof”  and  words  of  like  import  and  each  reference  in  the  Credit  Agreement and the Loan Documents to the “Credit Agreement” shall mean the Credit Agreement  as amended hereby.  This Amendment shall be construed in connection with and as part of the  Credit Agreement.               (b)   Ratification.  Borrowers hereby restate, ratify and reaffirm each and every  term and condition set forth in the Credit Agreement and the Loan Documents effective as of the  date hereof.               (c)   Release.   By  execution  of  this  Agreement,  Borrowers  acknowledge  and  confirm that Borrowers do not have any actions, causes of action, damages, claims, obligations,  liabilities, costs, expenses and/or demands of any kind whatsoever, at law or in equity, matured or  unmatured, vested or contingent arising out of or relating to this Agreement, the Credit Agreement  or the other Loan Documents against any Released Party (as defined below), whether asserted or  unasserted.  Notwithstanding any other provision of any Loan Document, to the extent that such  actions, causes of action, damages, claims, obligations, liabilities, costs, expenses and/or demands  may exist, Borrowers voluntarily, knowingly, unconditionally and irrevocably, with specific and  express intent, for and on behalf of itself, its managers, members, directors, officers, employees,  stockholders, Affiliates, agents, representatives, accountants, attorneys, successors and assigns and  their  respective  Affiliates (collectively,  the “Releasing Parties”), hereby fully  and completely  release and forever discharge Lender, its Affiliates and its and their respective managers, members,  officers,  employees,  Affiliates,  agents,  representatives,  successors,  assigns,  accountants  and  attorneys (collectively, the “Indemnified Persons”) and any other Person or insurer which may  be responsible or liable for the acts or omissions of any of the Indemnified Persons, or who may  be liable for the injury or damage resulting therefrom (collectively, with the Indemnified Persons,  the  “Released  Parties”),  of  and  from  any  and  all  actions,  causes  of  action, damages,  claims,  obligations, liabilities, costs, expenses and demands of any kind whatsoever, at law or in equity,  matured or unmatured, vested or contingent, that any of the Releasing Parties has against any of  the Released Parties, arising out of or relating to this Agreement, the Credit Agreement, the other  Loan Documents, or any Transaction, which Releasing Parties ever had or now have against any  Released Party, including, without limitation, any presently existing claim or defense whether or  not presently suspected, contemplated or anticipated.               (d)   Security  Interest.   Borrowers  hereby  confirm  and  agree  that  all  security  interests and liens granted to Lender continue in full force and effect and shall continue to secure  the Obligations.  All Collateral remains free and clear of any liens other than liens in favor of  Lender and Permitted Liens.  Nothing herein contained is intended to in any way impair or limit  the  validity,  priority  and  extent  of  Lender’s  existing  security  interest  in  and  liens  upon  the  Collateral.               (e)   Costs  and  Expenses.   Borrowers  agree  to  pay  on  demand  all  usual  and  customary costs and expenses of Lender and/or its Affiliates in connection with the preparation,  execution, delivery and enforcement of this Agreement and all other agreements and instruments  executed  in  connection  herewith,  including,  without  limitation,  reasonable  attorneys’  fees  and  expenses of Lender’s counsel.                                          6  DM3\5225908.2  

 

            (f)   GOVERNING LAW.  THIS AGREEMENT SHALL BE GOVERNED BY  AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL SUBSTANTIVE LAWS OF  THE  STATE  OF  NEW  YORK  WITHOUT  GIVING  EFFECT  TO  ITS  CHOICE  OF  LAW  PROVISIONS.               (g)   Counterparts.   This  Agreement  may  be  executed  in  any  number  of  counterparts,  each  of  which  when  so  executed  shall  be  deemed  to  be  an  original,  and  such  counterparts together shall constitute one and the same respective agreement.  Signatures sent by  facsimile or electronic mail shall be deemed originals for all purposes and shall bind the parties  hereto.               (h)   Loan  Document.   This  Agreement  and  any  assignment,  instrument,  document, or agreement executed and delivered in connection with or pursuant to this Agreement  shall be deemed to be a “Loan Document” under and as defined in the Credit Agreement for all  purposes.                               [Signature Pages Follow.]                                          7  DM3\5225908.2  

 

                                                     IN  WITNESS  WHEREOF,  the  parties  hereto  have  duly  executed  and  delivered  this  Agreement as of the date first hereinabove written.                                              BORROWERS:                            HOOPER HOLMES, INC., a New York corporation                                         HOOPER WELLNESS, LLC, a Kansas limited                                         liability company                                         ACCOUNTABLE HEALTH SOLUTIONS, LLC, a                                         Kansas limited liability company                                          HOOPER INFORMATION SERVICES, INC., a                                         New Jersey corporation                                          HOOPER KIT SERVICES, LLC, a Kansas limited                                         liability company                                                                                                                                                                                                                    By:                                         Name:  James E. Fleet                                         Title:  Chief Restructuring Officer                                                                                                                                                                    HOOPER DISTRIBUTION SERVICES, LLC, a New                                         Jersey limited liability company                                                                                                                                                                          By:                                                                              Name:  James E. Fleet                                         Title:  Chief Restructuring Officer                                                                                  PROVANT  HEALTH  SOLUTIONS,  LLC,  a  Rhode                                         Island limited liability company                                                                                                                                                                          By:                                                                              Name:  James E. Fleet                                         Title:  Chief Restructuring Officer                                             Signature Page to Forbearance Agreement and Amendment to Credit and Security Agreement  

 

                                          LENDER:                             CNH FINANCE FUND I, L.P.,                                       a Delaware limited partnership                                                                                                                                                         By:                                                                             Name: Timothy Peters                                       Title:  Authorized Signatory                                              Signature Page to Forbearance Agreement and Amendment to Credit and Security Agreement

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