SEC Contract Filing

Filing Date: 2022-12-13

Document Content:
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>tm2232520d1_ex10-2.htm
<DESCRIPTION>EXHIBIT 10.2
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>NINTH AMENDMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TO THE HOME IMPROVEMENT LOAN PROGRAM AGREEMENT
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This NINTH AMENDMENT TO THE
HOME IMPROVEMENT LOAN PROGRAM AGREEMENT (this &ldquo;<U>Amendment</U>&rdquo;) is made effective as of December 1, 2022 (the&nbsp;&ldquo;<U>Amendment
Effective Date</U>&rdquo;) by and between CROSS RIVER BANK, an FDIC-insured New Jersey state-chartered bank (&ldquo;<U>Bank</U>&rdquo;),
and SUNLIGHT FINANCIAL LLC, a Delaware limited liability company (&ldquo;<U>Sunlight</U>&rdquo;), amends the terms of that certain Home
Improvement Loan Program Agreement dated as of January 29, 2019, by and between Bank and Sunlight (as amended, restated, supplemented
or otherwise modified from time to time prior to the Amendment Effective Date, the &ldquo;<U>Existing Agreement</U>&rdquo; and, as amended
by this Amendment, the &ldquo;<U>Agreement</U>&rdquo;). Sunlight and Bank are collectively referred to herein as the &ldquo;Parties&rdquo;.
Capitalized terms used herein but not otherwise defined herein shall have the meanings set forth therefor in the Existing Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>RECITALS</U></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Existing Agreement
allows the Parties to mutually agree in writing to modify the Existing Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Parties now
desire to amend and modify the Existing Agreement upon the terms and subject to the conditions set forth in this Amendment;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW THEREFORE, in consideration
of the foregoing premises and the following terms, and for other good and valuable consideration, the Parties, intending to be legally
bound, further agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>SECTION I. <U>Amendments
to the Existing Agreement</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Subject to the terms and conditions set forth herein, the parties hereto agree that the Existing Agreement shall be amended, as
of the date hereof, by deleting the stricken text (indicated textually in the same manner as the following example: <FONT STYLE="color: red"><STRIKE>stricken
text</STRIKE></FONT>) and by adding the underlined text (indicated textually in the same manner as the following example: <FONT STYLE="color: blue; border-bottom-style: double; border-bottom-width: 0.5pt; padding-bottom: 0.5pt"><U>underlined
text</U></FONT>) as set forth in <B><U>Exhibit A</U></B> hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>SECTION II. <U>Effectiveness
of the Agreement</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
otherwise defined or modified in this Amendment, all capitalized words or terms used in this Amendment shall have the definitions ascribed
to such words or terms in the Existing Agreement. From and after the effectiveness of this Amendment, references in the Existing Agreement
to &ldquo;the Agreement&rdquo; or words of similar effect, shall refer to the Existing Agreement as amended by this Amendment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as expressly amend