Document:

Exhibit 10.2

 

THIS
NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”). THIS NOTE HAS BEEN
ACQUIRED FOR INVESTMENT ONLY AND MAY NOT BE SOLD, TRANSFERRED OR ASSIGNED IN THE ABSENCE OF REGISTRATION OF THE RESALE THEREOF
UNDER THE SECURITIES ACT OR AN OPINION OF COUNSEL REASONABLY SATISFACTORY IN FORM, SCOPE AND SUBSTANCE TO THE ISSUER THAT SUCH
REGISTRATION IS NOT REQUIRED

 

PROMISSORY
NOTE

 

	Principal Amount:
$____	Issuance Date: _______ __, 2017

 

Origo
Acquisition Corporation, a company incorporated in the Cayman Islands (“Maker”), promises to pay to the order
of the persons set forth on Schedule A attached hereto or their respective successors or assigns (each a “Payee”
and collectively the “Payees”) the principal sum of ________ Dollars and No Cents ($_____) in the amounts set
forth on Schedule A attached hereto in lawful money of the United States of America, on the terms and conditions described
below. All payments on this promissory note (this “Note”) shall be made by check or wire transfer of immediately
available funds or as otherwise determined by the Maker to such account as each Payee may from time to time designate by written
notice in accordance with the provisions of this Note.

 

1.       Principal.
The principal balance of this Note shall be payable on the earlier of (i) the consummation of the Maker’s initial business
combination (the “Business Combination”) (as described in the prospectus contained in Maker’s registration
statement on Form S-1 filed with the Securities and Exchange Commission in connection with Maker’s initial public offering
(the “IPO”)) or (ii) the liquidation of the Company. The Payees understand that if a Business Combination is
not consummated, this Note will not be repaid and all amounts owed hereunder will be forgiven except to the extent that the Maker
has funds available to it outside of its trust account established in connection with its initial public offering. Any payment
of principal on this Note shall be made to the Payees pro rata with the amount of their loan made hereunder. The principal balance
may be prepaid at any time.

 

2.       Interest.
No interest shall accrue on the unpaid principal balance of this Note.

 

3.       Application
of Payments. All payments shall be applied first to payment in full of any costs incurred in the collection of any sum due
under this Note, including (without limitation) reasonable attorneys’ fees, then to the payment in full of any late charges
and finally to the reduction of the unpaid principal balance of this Note.

 

4.       Events
of Default. The following shall constitute an event of default (“Event of Default”):

 

(a)       Failure
to Make Required Payments. Failure by Maker to pay the principal of this Note within five (5) business days following the
date when due.

 

(b)       Voluntary
Bankruptcy, Etc. The commencement by Maker of a voluntary case under the Federal Bankruptcy Code, as now constituted or hereafter
amended, or any other applicable federal or state bankruptcy, insolvency, reorganization, rehabilitation or other similar law,
or the consent by it to the appointment of or taking possession by a receiver, liquidator, assignee, trustee, custodian, sequestrator
(or other similar official) of Maker or for any substantial part of its property, or the making by it of any assignment for the
benefit of creditors, or the failure of Maker generally to pay its debts as such debts become due, or the taking of corporate
action by Maker in furtherance of any of the foregoing.

 

    

     

    

 

(c)       Involuntary
Bankruptcy, Etc. The entry of a decree or order for relief by a court having jurisdiction in the premises in respect of Maker
in an involuntary case under the Federal Bankruptcy Code, as now or hereafter constituted, or any other applicable federal or
state bankruptcy, insolvency or other similar law, or appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator
(or similar official) of Maker or for any substantial part of its property, or ordering the winding-up or liquidation of its affairs,
and the continuance of any such decree or order unstayed and in effect for a period of 60 consecutive days.

 

5.       Remedies.

 

(a)       Upon
the occurrence of an Event of Default specified in Section 4(a), each Payee may, by written notice to Maker, declare this Note
to be due and payable, whereupon the unpaid principal amount of this Note, and all other amounts payable thereunder, shall become
immediately due and payable without presentment, demand, protest or other notice of any kind, all of which are hereby expressly
waived, anything contained herein or in the documents evidencing the same to the contrary notwithstanding.

 

(b)       Upon
the occurrence of an Event of Default specified in Sections 4(b) and 4(c), the unpaid principal balance of, and all other sums
payable with regard to, this Note shall automatically and immediately become due and payable, in all cases without any action
on the part of Payees.

 

6.       Waivers.
Maker and all endorsers and guarantors of, and sureties for, this Note waive presentment for payment, demand, notice of dishonor,
protest, and notice of protest with regard to the Note, all errors, defects and imperfections in any proceedings instituted by
Payee under the terms of this Note, and all benefits that might accrue to Maker by virtue of any present or future laws exempting
any property, real or personal, or any part of the proceeds arising from any sale of any such property, from attachment, levy
or sale under execution, or providing for any stay of execution, exemption from civil process, or extension of time for payment;
and Maker agrees that any real estate that may be levied upon pursuant to a judgment obtained by virtue hereof, on any writ of
execution issued hereon, may be sold upon any such writ in whole or in part in any order desired by Payees.

 

7.       Unconditional
Liability. Maker hereby waives all notices in connection with the delivery, acceptance, performance, default, or enforcement
of the payment of this Note, and agrees that its liability shall be unconditional, without regard to the liability of any other
party, and shall not be affected in any manner by any indulgence, extension of time, renewal, waiver or modification granted or
consented to by Payees, and consents to any and all extensions of time, renewals, waivers, or modifications that may be granted
by Payees with respect to the payment or other provisions of this Note, and agree that additional makers, endorsers, guarantors,
or sureties may become parties hereto without notice to them or affecting their liability hereunder.

 

8.       Notices.
Any notice called for hereunder shall be deemed properly given if (i) sent by certified mail, return receipt requested, (ii) personally
delivered, (iii) dispatched by any form of private or governmental express mail or delivery service providing receipted delivery,
(iv) sent by facsimile or (v) sent by e-mail, to the following addresses or to such other address as either party may designate
by notice in accordance with this Section:

 

If
to Maker, to:

 

Origo
Acquisition Corporation

708 Third Avenue

New York, New York 10017

Attn: Jose Aldeanueva

 

    

     

    

 

with
a copy (which shall not constitute notice) to:

 

Ellenoff
Grossman & Schole LLP

1345 Avenue of the Americas, 11th Floor

New York, New York 10105

Attn: Douglas Ellenoff, Esq. and Stuart Neuhauser, Esq.

 

If
to a Payee, to the address of such Payee set forth on Schedule A attached hereto.

 

Notice
shall be deemed given on the earlier of (i) actual receipt by the receiving party, (ii) the date shown on a facsimile transmission
confirmation, (iii) the date on which an e-mail transmission was received by the receiving party’s on-line access provider
(iv) the date reflected on a signed delivery receipt, or (vi) two (2) Business Days following tender of delivery or dispatch by
express mail or delivery service.

 

9.       Construction.
This Note shall be construed and enforced in accordance with the domestic, internal law, but not the law of conflict of laws,
of the State of New York.

 

10.     Severability.
Any provision contained in this Note which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction,
be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and
any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any
other jurisdiction.

 

11.     Waiver
Against Trust. Notwithstanding anything herein to the contrary, each Payee hereby waives any and all right, title, interest
or claim of any kind (“Claim”) in or to any distribution of or from the trust account (“Trust Account”)
established by Maker in which the proceeds of the IPO and the proceeds of the sale of the units issued in the private placement
that occurred prior to the IPO, as described in greater detail in the registration statement and prospectus filed in connection
with the IPO, were deposited, and hereby agrees not to seek recourse, reimbursement, payment or satisfaction for any Claim against
the Trust Account for any reason whatsoever.

 

12.     Amendment;
Waiver. Any amendment hereto or waiver of any provision hereof may be made with, and only with, the written consent of the
Maker and the Payees.

 

13.     Assignment.
This Note may be assigned by each Payee.

 

{Remainder
of Page Intentionally Left Blank; Signature Page Follows}

 

    

     

    

 

IN
WITNESS WHEREOF, Maker, intending to be legally bound hereby, has caused this Note to be duly executed as of the day and year
first above written.

	 	 	 
	 	ORIGO ACQUISITION CORPORATION
	 	 	 
	 	By:	 
	 	Name:  Jose M Aldeanueva
	 	Title: CFO

 

    

     

    

 

Schedule
A

 

	Name
    of Payee	Address
    of Payee	Percentage
    of

 Total

 Principal

 Amount	Amount
    of

 Principal from

 Payee
	EarlyBirdCapital,
    Inc.	366
Madison Avenue 

        New
York NY 10017 
	100.00%	$______
	TOTAL	 	100.00%	$20,525.00Exhibit 10.1

 

Execution Version

 

FOURTH AMENDMENT AND WAIVER TO

AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT

 

This FOURTH AMENDMENT AND WAIVER TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this “Amendment”) is dated as of October 16, 2017 by and among SUMMER INFANT, INC. and SUMMER INFANT (USA), INC., as “Borrowers” under the Loan Agreement referenced below (“Borrowers”), SUMMER INFANT CANADA, LIMITED and SUMMER INFANT EUROPE LIMITED, as “Guarantors” under the Loan Agreement referenced below (“Guarantors” and together with the Borrowers, the “Obligors”),  the “Lenders” party to the Loan Agreement referenced below (“Lenders”), and BANK OF AMERICA, N.A., in its capacity as “Agent” for the Lenders under the Loan Agreement referenced below (“Agent”).

 

WHEREAS, Borrowers, Guarantors, Lenders and Agent are parties to that certain Amended and Restated Loan and Security Agreement dated as of April 21, 2015, as amended by that certain Amendment to Amended and Restated Loan and Security Agreement dated as of December 10, 2015, that certain Second Amendment to Amended and Restated Loan and Security Agreement dated as of May 24, 2016, and that certain Third Amendment and Waiver to Amended and Restated Loan and Security Agreement dated as of February 17, 2017 (as the same may be amended, restated, supplemented or otherwise modified from time to time, the “Loan Agreement”);

 

WHEREAS, on September 18, 2017, Toys “R” Us, Inc. announced that it had commenced Insolvency Proceedings (the “Toys “R” Us Insolvency Proceedings”), and as a result of the Toys “R” Us Insolvency Proceedings, Accounts owing from the Toys “R” Us Companies (the “Toys “R” Us Accounts”) no longer constitute Eligible Accounts; and

 

WHEREAS, after deducting the Toys “R” Us Accounts from Eligible Accounts, the aggregate Revolver Loans outstanding during the period from September 18, 2017 through the date of this Amendment have exceeded the Revolver Borrowing Base, resulting in Revolver Overadvances (the “Toys “R” Us Revolver Overadvances”);

 

WHEREAS, Borrowers have requested that Agent and Lenders waive any violations of the Loan Agreement that are directly attributable to the Toys “R” Us Revolver Overadvances and that Agent and Lenders amend certain provisions of the Loan Agreement to, among other things, temporarily increase the Revolver Borrowing Base to account for the failure of the Toys “R” Us Accounts to constitute Eligible Accounts, increase the maximum percentage of Accounts owing from the Amazon Companies and the Wal-Mart Companies that may be included as Eligible Accounts, and increase the maximum permitted Leverage Ratio for the period of four Fiscal Quarters ending September 30, 2017; and

 

WHEREAS, Lenders and Agent are willing to waive any violations of the Loan Agreement that are directly attributable to the Toys “R” Us Revolver Overadvances and to amend certain provisions of the Loan Agreement, all as more fully described herein.

 

NOW, THEREFORE, in consideration of the foregoing and the agreements contained herein, the parties agree that the Loan Agreement is hereby amended as follows:

 

1.                                      Capitalized Terms.  Capitalized terms used herein which are defined in the Loan Agreement have the same meanings herein as therein, except to the extent such terms are amended hereby.

 

 

2.                                      Waiver of Violations Directly Attributable to Toys “R” US Revolver Overadvances.  Subject to the satisfaction of the terms and conditions set forth in this Amendment, Agent and Lenders hereby waive any violations of the Loan Agreement that occurred during the period from September 18, 2017 through the date of this Amendment (the “Overadvance Waiver Period”) and that are directly attributable to the failure of Toy “R” Us Accounts to constitute Eligible Accounts.  The parties agree that (a) the foregoing waiver is limited solely to violations of the Loan Agreement occurring during the Overadvance Waiver Period that are directly attributable to the failure of Toy “R” Us Accounts to constitute Eligible Accounts and (b) that nothing herein shall be construed as a waiver of any other provision of the Loan Agreement.

 

3.                                      Amendments to Section 1.1 of the Loan Agreement.  Section 1.1 of the Loan Agreement is hereby amended as follows:

 

(a)                                 The definition of “EBITDA” is hereby amended by deleting the word “and” following the end of clause (b)(xix), relabeling clause “(b)(xx)” as clause “(b)(xxi)”, and inserting a new clause (b)(xx) as follows:

 

“(xx) solely with respect to the calculation of the Fixed Charge Coverage Ratio and the Leverage Ratio pursuant to Section 10.3.1 and 10.3.2, respectively, hereof, the aggregate amount of Accounts owing from the Toys “R” Us Companies attributable to goods delivered by Borrowers to the Toys “R” Us Companies prior to September 18, 2017 (the date on which Toys “R” Us, Inc. commenced Insolvency Proceedings) written off as uncollectible by Borrowers during such period; and”

 

(b)                                 The definition of “Eligible Account” is hereby amended by deleting clauses (e) and (f) of such definition in their entirety and replacing such clauses with the following:

 

“(e) with respect to any Account owing from the Amazon Companies, when aggregated with other Accounts owing from the Amazon Companies, it exceeds 45% of the aggregate Eligible Accounts, provided, however, that if, at any time, the corporate credit rating of Amazon.com, Inc. falls below “BBB-” (by S&P or Fitch) or “Baa3” (by Moody’s), the Agent shall have the right, in its sole discretion to decrease such maximum percentage (provided further, that only the amount of Accounts in excess of the percentage set forth in this clause (e) (or such lower percentage as shall be specified by Agent in accordance with the foregoing proviso) shall be deemed ineligible under this clause (e));

 

(f) with respect to any Account owing from the Wal-Mart Companies, when aggregated with other Accounts owing from the Wal-Mart Companies, it exceeds 35% of the aggregate Eligible Accounts, (provided, that only the amount of Accounts in excess of the percentage set forth in this clause (f) shall be deemed ineligible under this clause (f))”

 

(c)                                  The definition of “Eligible Account” is hereby further amended by deleting clause (j) of such definition in its entirety and replacing such clause with the following:

 

“(j) an Insolvency Proceeding has been commenced by or against the Account Debtor (provided that, Agent may, in its Permitted Discretion, elect to permit certain Accounts as determined by Agent from time to time, in its Permitted Discretion, that are owing from an Account Debtor that is the subject of

 

2

 

Insolvency Proceedings to be included as Eligible Accounts notwithstanding this clause (j) if Agent shall have determined, in its Permitted Discretion, that (i) the applicable Account Debtor has been authorized to pay such Accounts in full, whether through entry of a critical vendor order or approval of the payment on any other basis, or (ii) the Accounts arise subsequent to the commencement of the Insolvency Proceeding and are payable by the Account Debtor in the ordinary course of business; provided, further, that, so long as Toys “R” Us, Inc. remains the subject of Insolvency Proceedings, (x) the aggregate amount of Accounts owing from the Toys “R” Us Companies that may be included as Eligible Accounts shall not exceed $3,000,000 and (y) no Account owing from any of the Toys “R” Us Companies shall be included as an Eligible Account if it is unpaid for more than 45 days after the original invoice date); or the Account Debtor has failed, has suspended or ceased doing business, is liquidating, dissolving or winding up its affairs, is not Solvent, or is subject to any Sanction or on any specially designated nationals list maintained by OFAC; or the Borrower is not able to bring suit or enforce remedies against the Account Debtor through judicial process;”

 

(d)                                 The definition of “Revolver Borrowing Base” is hereby amended and restated in its entirety, as follows:

 

“Revolver Borrowing Base: on any date of determination, an amount equal to the sum of (a) the Accounts Formula Amount, plus (b) the Inventory Formula Amount, plus (c) the Temporary Overadvance Amount, minus (d) the Availability Reserve established by Agent in its Permitted Discretion, provided, however, that (i) Eligible In-Transit Inventory shall in no event contribute more than $7,000,000 (after giving effect to the Inventory Formula Amount) to the Revolver Borrowing Base at any time and (ii) Eligible Accounts owing to and Eligible Inventory held by the UK Guarantors shall not contribute more than an aggregate of $6,000,000 (after giving effect to the Account Formula Amount and Inventory Formula Amount, respectively) to the Revolver Borrowing Base at any time.  If any amount in this definition is stated in a currency other than Dollars on any date, then such amount on such date shall be equal to the Dollar Equivalent of such amount in such other currency.”

 

(e)                                  The following new defined terms are hereby inserted in Section 1.1 of the Loan Agreement in the appropriate alphabetical order:

 

“Fourth Amendment Effective Date:  the date on which that certain Fourth Amendment and Waiver to Amended and Restated Loan and Security Agreement became effective, which date is October 16, 2017.”

 

“Temporary Overadvance Amount: means the following amounts during the following periods:

 

	
Applicable Period
    	
 
    	
Temporary
   Overadvance Amount
    	
 
    
	
Fourth Amendment Effective Date - October 21,   2017
    	
 
    	
$
    	
3,000,000
    	
 
    
	
October 22 - 28, 2017
    	
 
    	
$
    	
3,000,000
    	
 
    
	
October 29 — November 4, 2017
    	
 
    	
$
    	
3,000,000
    	
 
    
	
November 5 - 11, 2017
    	
 
    	
$
    	
2,750,000
    	
 
    
	
November 12 - 18, 2017
    	
 
    	
$
    	
2,750,000
    	
 
    
	
November 19 - 25, 2017
    	
 
    	
$
    	
2,500,000
    	
 
    
	
November 26 — December 2, 2017
    	
 
    	
$
    	
2,500,000
    	
 
    
	
December 3 — 9, 2017
    	
 
    	
$
    	
2,000,000
    	
 
    
	
From and after December 10, 2017
    	
 
    	
$
    	
0
    	
 
    

 

3

 

4.                                      Amendment to Section 10.3.2 of the Loan Agreement.  Section 10.3.2 of the Loan Agreement is hereby amended and restated in its entirety, as follows:

 

“10.3.2                                Maximum Leverage Ratio.  As of the end of each Fiscal Quarter, maintain a Leverage Ratio of not greater than the ratio set forth below opposite such Fiscal Quarter:

 

	
Four Fiscal Quarters Ending
    	
 
    	
Maximum Leverage Ratio
    
	
September 30, 2017
    	
 
    	
6.00 to 1.00
    
	
December 30, 2017
    	
 
    	
5.50 to 1.00
    
	
April 1, 2018 and   thereafter
    	
 
    	
3.75 to 1.00
    

 

5.                                      No Default; Representations and Warranties, Etc.  Obligors hereby represent, warrant and confirm that: (a) after giving effect to this Amendment, all representations and warranties of Obligors in the Loan Agreement and the other Loan Documents are true and correct in all material respects (without duplication of any materiality qualifier contained therein) on and as of the date hereof as if made on such date (except to the extent that such representations and warranties expressly relate to or are stated to have been made as of an earlier date, in which case, such representations and warranties shall be true and correct in all material respects (without duplication of any materiality qualifier contained therein) as of such earlier date); (b) after giving effect to this Amendment, no Default or Event of Default has occurred and is continuing; and (c) the execution, delivery and performance by Obligors of this Amendment and all other documents, instruments and agreements executed and delivered in connection herewith or therewith (i) have been duly authorized by all necessary action on the part of Obligors (including any necessary shareholder consents or approvals), (ii) do not violate, conflict with or result in a default under and will not violate or conflict with or result in a default under any applicable law or regulation, any term or provision of the organizational documents of any Obligor or any term or provision of any material indenture, agreement or other instrument binding on any Obligor or any of its assets, and (iii) do not require the consent of any Person which has not been obtained.

 

6.                                      Ratification and Confirmation.  Obligors hereby ratify and confirm all of the terms and provisions of the Loan Agreement and the other Loan Documents and agree that all of such terms and provisions, as amended hereby, remain in full force and effect.  Without limiting the generality of the foregoing, Obligors hereby acknowledge and confirm that all of the “Obligations” under and as defined in the Loan Agreement are valid and enforceable and are secured by and entitled to the benefits of the Loan Agreement and the other Loan Documents, and Obligors hereby ratify and confirm the grant of the liens and security interests in the Collateral in favor of Agent, for the benefit of itself and Lenders, pursuant to the Loan Agreement and the other Loan Documents, as security for the Obligations.

 

7.                                      Conditions to Effectiveness of Amendment.  This Amendment shall become effective as of the date when, and only when, each of the following conditions precedent shall have been satisfied or waived in writing by Agent:

 

(a)                                 Agent shall have received counterparts to this Amendment, duly executed by Agent, Lenders and Obligors.

 

4

 

(b)                                 Borrowers shall have paid to Agent, for the account of each Lender (including Bank of America, N.A., in its capacity as a Lender), an amendment fee in an amount equal to 12.5 basis points multiplied by such Lender’s Commitment.

 

(c)                                  Borrowers shall have paid all other fees and amounts due and payable to Agent and its legal counsel in connection with the Loan Agreement, this Amendment and the other Loan Documents, including, (i) the fees payable pursuant to that certain Fourth Amendment Fee Letter dated as of the date hereof between Borrowers and Agent, and (ii) to the extent invoiced, all out-of-pocket expenses required to be reimbursed or paid by Borrowers under the Loan Agreement.

 

8.                                      Miscellaneous.

 

(a)                                 Except to the extent specifically amended hereby, the Loan Agreement, the other Loan Documents and all related documents shall remain in full force and effect.

 

(b)                                 This Amendment may be executed in any number of counterparts, each of which, when executed and delivered, shall be an original, but all counterparts shall together constitute one instrument.

 

(c)                                  Borrowers shall reimburse Agent for, or pay directly, all reasonable out-of-pocket costs and expenses of Agent (including, without limitation, the reasonable fees and expenses of Agent’s legal counsel) in connection with the preparation, negotiation, execution and delivery of this Amendment and the other Loan Documents, within 30 days of Borrowers’ receipt of invoices (in reasonably sufficient detail) setting forth such costs and expenses.

 

(d)                                 This Amendment shall be governed by the laws of the State of New York and shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns.

 

{Remainder of page intentionally left blank; signatures begin on the following page]

 

5

 

IN WITNESS WHEREOF, the parties hereto have executed this Amendment which shall be deemed to be a sealed instrument as of the date first above written.

 

	
 
    	
BORROWERS
    
	
 
    	
 
    
	
 
    	
SUMMER   INFANT, INC.
    
	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ William Mote
    
	
 
    	
Name:
    	
William Mote
    
	
 
    	
Title:
    	
CFO
    
	
 
    	
 
    
	
 
    	
SUMMER INFANT   (USA), INC.
    
	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ William Mote
    
	
 
    	
Name:
    	
William Mote
    
	
 
    	
Title:
    	
CFO
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
GUARANTORS
    
	
 
    	
 
    
	
 
    	
SUMMER INFANT CANADA,   LIMITED
    
	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ William Mote
    
	
 
    	
Name:
    	
William Mote
    
	
 
    	
Title:
    	
CFO
    
	
 
    	
 
    
	
 
    	
SUMMER INFANT EUROPE   LIMITED
    
	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/ William Mote
    
	
 
    	
Name:
    	
William Mote
    
	
 
    	
Title:
    	
CFO
    

 

[Signature Page to Fourth Amendment and Waiver to Amended and Restated Loan and Security Agreement]

 

 

	
 
    	
AGENT
    
	
 
    	
 
    
	
 
    	
BANK OF AMERICA, N.A.,   as Agent
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By
    	
/s/ Cynthia G. Stannard
    
	
 
    	
Name:
    	
Cynthia G. Stannard
    
	
 
    	
Title:
    	
Senior Vice President
    

 

[Signature Page to Fourth Amendment and Waiver to Amended and Restated Loan and Security Agreement]

 

 

	
 
    	
LENDER
    
	
 
    	
 
    
	
 
    	
BANK OF AMERICA, N.A.,   as Lender
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By
    	
/s/ Cynthia G. Stannard
    
	
 
    	
Name:
    	
Cynthia G. Stannard
    
	
 
    	
Title:
    	
Senior Vice President
    

 

[Signature Page to Fourth Amendment and Waiver to Amended and Restated Loan and Security Agreement]

 

 

	
 
    	
LENDER
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
CITIZENS BUSINESS   CAPITAL,
    
	
 
    	
A DIVISION OF CITIZENS   ASSET FINANCE, INC.,
    
	
 
    	
as Lender
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By
    	
/s/ Peter Yelle
    
	
 
    	
Name:
    	
Peter Yelle
    
	
 
    	
Title:
    	
VP
    

 

[Signature Page to Fourth Amendment and Waiver to Amended and Restated Loan and Security Agreement]

 

 

	
 
    	
LENDER
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
KEYBANK NATIONAL   ASSOCIATION, as Lender
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By
    	
/s/ Peter Drooff
    
	
 
    	
Name:
    	
Peter Drooff
    
	
 
    	
Title:
    	
Vice President
    

 

[Signature Page to Fourth Amendment and Waiver to Amended and Restated Loan and Security Agreement]

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