SEC Filing Document

Company: Synergy CHC Corp.
Ticker: SNYR
CIK: 1562733
Filing Type: 8-K
Document Type: EX-10.1
Date Filed: 2026-03-25
Accession Number: 0001213900-26-034072
Exchange: Nasdaq
SIC Code: 2833
SIC Description: Medicinal Chemicals & Botanical Products
URL: https://www.sec.gov/Archives/edgar/data/1562733/000121390026034072/ea028322301ex10-1.htm

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Document Content:

Representations and Warranties from Credit Agreement. Immediately after giving effect to this Second Amendment on the Second Amendment Effective Date and effective as of the Second Amendment Effective Date, the representations and warranties contained in Article VI of the Credit Agreement and in each other Loan Document are true and correct in all material respects (except that such materiality qualifier is not applicable to any representations or warranties that already are qualified or modified as to materiality or “Material Adverse Effect” in the text thereof, which representations and warranties are true and correct in all respects subject to such qualification) on and as of such date as though made on and as of such date, except to the extent that any such representation or warranty expressly relates solely to an earlier date (in which case such representation or warranty are true and correct on and as of such earlier date).

G. Absence
of Default. After giving effect to this Second Amendment, and except as otherwise waived by Administrative Agent in writing, no event
has occurred and is continuing or will result from the consummation of the transactions contemplated by this Second Amendment that would
constitute a Default or an Event of Default.

Section
4. MISCELLANEOUS

A. Effect
on the Existing Credit Agreement and the Loan Documents; No Other Waivers or Amendments.

and after the Effective Date, each reference in the Existing Credit Agreement to “this Agreement”, “hereunder”,
“hereof”, “herein” or words of like import referring to the Existing Credit Agreement, and each reference in
the Loan Documents to the “Credit Agreement”, “thereunder”, “thereof” or words of like import referring
to the Existing Credit Agreement shall mean and be a reference to the Credit Agreement.

(ii) Except
as specifically amended or otherwise modified by this Second Amendment, the text of the Existing Credit Agreement and all the Loan Documents
shall remain unchanged.

(iii) The
execution, delivery and performance of this Second Amendment shall not, except as expressly provided herein, constitute a waiver of any
provision of, or operate as a waiver of any right, power or remedy of the Agents or the Lenders under, the Existing Credit Agreement
or any of the Loan Documents.

(iv) This
Second Amendment shall not constitute a modification of the Existing Credit Agreement or a course of dealing between the Loan Parties,
on the one hand, and the Agents and the Lenders, on the other hand, at variance with the Existing Credit Agreement such as to require
further notice by the Agents or the Lenders to any Loan Party to require strict compliance with the terms of the Credit Agreement and
the Loan Documents in the future, except as expressly set forth herein. Each Loan Party acknowledges and expressly agrees that the Agents
and the Lenders reserve the right to, and do in fact, require strict compliance with all terms and provisions of the Credit Agreement
and the Loan Documents. None of the Loan Parties has knowledge of any challenge to or defense or offset against each Agent’s or
each Lender’s claims arising under the Existing Credit Agreement or the Loan Documents or the effectiveness of the Existing Credit
Agreement and the Loan Documents.

B. Reaffirmation.
Each Loan Party hereby acknowledges and reaffirms all of its obligations and undertakings under the Existing Credit Agreement and each
of the Loan Documents to which it is a party and acknowledges and agrees that subsequent to, and after giving effect to and taking account
of the provisions of this Second Amendment and the Second Amendment Documents, the Existing Credit Agreement, as modified by this Second
Amendment, and each such Loan Document is and shall remain in full force and effect in accordance with the terms thereof.

Expenses. Each Borrower acknowledges that all expenses as described in Section 11.4 of the Credit Agreement incurred by the Agents
and its counsel with respect to this Second Amendment and the documents and transactions contemplated hereby shall be for the account
of the Borrower.

D. Governing
Law; Other Provisions. THIS SECOND AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUCTED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW
YORK APPLICABLE TO CONTRACT MADE AND TO BE PERFORMANCE IN THE STATE OF NEW YORK. In addition to and without limitation of any of the
foregoing, this Second Amendment shall be deemed to be a Loan Document and shall otherwise be subject to all of the terms and conditions
contained in Sections 11.10, 11.11 and 11.12 of the Credit Agreement, mutatis mutandi.

E. Severability.
Any provision of this Second Amendment which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of such prohibitions or unenforceability without the remaining portions hereof or affecting the validity or enforceability
of such provision in any other jurisdiction.

F. Integration.
This Agreement, together with the Existing Credit Agreement and other Loan Documents, reflects the entire understanding of the parties
with respect to the transactions contemplated hereby and shall not be contradicted or qualified by any other agreement, oral or written,
made before the date hereof.

G. Headings.
Section headings in this Second Amendment are included herein for the convenience of reference only and shall not constitute a part of
this Second Amendment for any other purposes.

H. Counterparts.
This Second 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. Delivery of an
executed counterpart of this Second Amendment by email shall be equally as effective as delivery of an original executed counterpart
of this Second Amendment. Any party delivering an executed counterpart of this Second Amendment by email also shall deliver an original
executed counterpart of this Second Amendment but the failure to deliver an original executed counterpart shall not affect the validity,
enforceability, and binding effect of this Second Amendment.

[The
remainder of page intentionally left blank.]

WITNESS WHEREOF, the parties hereto have caused this Second Amendment to be duly executed and delivered by their respective officers
thereunto duly authorized as of the date first written above.

BORROWER :

SYNERGY CHC CORP.

Jack Ross

Name:	Jack Ross

Title:	Chairman and Chief Executive Officer

[Signature
Page to Second Amendment to Term Loan Credit Agreement]

GUARANTORS:

SYNERGY CHC INC.

Jack Ross

Name:	Jack Ross

Title:	Chairman and Chief Executive Officer

HAND MD CORP.

Jack Ross

Name:	Jack Ross

Title:	Chairman and Chief Executive Officer

[Signature
Page to Second Amendment to Term Loan Credit Agreement]

ADMINISTRATIVE AGENT
AND COLLATERAL AGENT:

ACP AGENCY, LLC

Peter Eschmann

Name:	Peter Eschmann

Title:	Authorized Person

[Signature
Page to Second Amendment to Term Loan Credit Agreement]

LENDERS:

ACME CREDIT PARTNERS FUND I, LP

By: Acme Credit Investors LLC, its general
partner

By: Acme Credit Partners LLC, its managing
member

Peter Eschmann

Name:	Peter Eschmann

Title:	Managing Partner

[Signature
Page to Second Amendment to Term Loan Credit Agreement]

Exhibit

Existing
Credit Agreement, as Amended

(attached)

amended by the First Amendment to Term Loan Credit Agreement, dated as of June 24, 2025

As amended by the Second Amendment to Term Loan Credit Agreement, dated
as of March 24, 2026

TERM
LOAN CREDIT AGREEMENT

Dated
as of May 30, 2025

by and among

SYNERGY CHC CORP.,

Borrower,

EACH
SUBSIDIARY OF THE BORROWER

LISTED
AS A GUARANTOR ON THE SIGNATURE PAGES HERETO,

Guarantors,

THE
LENDERS FROM TIME TO TIME PARTY HERETO,

Lenders,

ACP
AGENCY, LLC,

Administrative Agent,

and

ACP
AGENCY, LLC,

Collateral Agent

Table
of Contents

Page

ARTICLE I DEFINITIONS; CERTAIN TERMS	1

Section 1.1.	Definitions	1

Section 1.2.	Terms Generally	47

Section 1.3.	Certain Matters of Construction	48

Section 1.4.	Accounting and Other Terms	49 48

Section 1.5.	Pro Forma Calculations.	49

Section 1.6.	Time References	50 50

Section 1.7.	Obligation to Make Payments in Dollars	50

Section 1.8.	Interest Rates Disclaimer	50

ARTICLE II THE LOANS	51 50

Section 2.1.	Commitments	51 50

Section 2.2.	Making the Loans	51

Section 2.3.	Repayment of Loans; Evidence of Debt	52 52

Section 2.4.	Interest	53 53

Section 2.5.	Reduction of Commitment; Prepayment of Loans	54 54

Section 2.6.	Fees	57

Section 2.7.	Term SOFR Rate Option; Benchmark Replacement	58

Section 2.8.	Funding Losses	61 61

Section 2.9.	Taxes	61

Section 2.10.	Increased Costs and Reduced Return	65 65

Section 2.11.	Changes in Law; Impracticability or Illegality	66 66

Section 2.12.	Replacement of Lenders	67 67

Section 2.13.	Incremental Facilities	68

ARTICLE III [INTENTIONALLY OMITTED]	69 69

ARTICLE IV APPLICATION OF PAYMENTS; DEFAULTING
LENDERS	69 69

Section 4.1.	Payments; Computations and Statements	69 69

Section 4.2.	Sharing of Payments	70 70

Section 4.3.	Apportionment of Payments	71

Section 4.4.	Defaulting Lenders	72 72

ARTICLE V CONDITIONS TO LOANS	73 73

Section 5.1.	Conditions Precedent to Effectiveness	73

Section 5.2.	Conditions Precedent to All Loans	78 78

Section 5.3.	Conditions Subsequent to Effecitveness	79

ARTICLE VI REPRESENTATIONS AND WARRANTIES	80 81

Section 6.1.	Representations and Warranties	80 81