展示物 10.2
修正第3号
修正されたおよび改訂された循環与信契約
修正および改訂されたリボルビングクレジット契約のこの修正第3号 (これ」改正」）、2024年4月16日現在の日付（「発効日”) 2023年7月19日付けの特定の修正および改訂されたリボルビング・クレジット契約（本書の日付より前に修正、再表示、補足、またはその他の方法で修正されたもの）に、既存のクレジット契約」と、この修正により修正されたとおり、」修正されたクレジット契約」）、オポチュニティ・ファンディングSPE V、LLCのうち（「」借り手」)、オポチュニティ・ファイナンシャル、合同会社（「会社」）、創始者として（このような立場では、」創始者」）、サービサーとして（そのような立場では、」サービサー」）、保証人（修正信用契約で定義されているとおり）および販売者（修正信用契約で定義されているとおり）として、OppWin、LLC（」オップウィン」）、売り手として、また保証人として、他の保証人は時々それに参加します。ミッドタウン・マディソン・マネジメントLLCは、管理代理人（そのような立場では、」管理エージェント」）そして担保代理人（そのような立場では、」担保代理人」そして、管理代理人と一緒に、」エージェント」）、そして時々、その貸し手当事者（」貸し手」と、それぞれ個別に、a」貸し手”).
予備陳述
一方、借り手、会社、オリジネーター、サービサー、各保証人、およびその各売り手（総称して、」クレジットパーティ」と、それぞれ個別に、a」クレジットパーティ」）、管理代理人と貸し手は既存の信用契約を締結しました。これにより、貸し手はリボルビング・クレジット・ファシリティを延長することに同意しました（」ファシリティ」）借り手に、借り手と借り手は、担保付当事者の利益のために、担保代理人にすべての資産に対する最優先先取特権を与えることにより、既存の信用契約に基づく債務を確保することに同意しました。そして
当事者は、ここに明記された条件に基づいて、既存の与信契約を修正することを希望しています。
したがって、前文及びその他の善意に鑑み、当事者は次のように合意する。
署名者は、SelectQuote、Inc.の普通株式、1株0.01ドルのこのスケジュール13Gの改正第2号が、署名者の代表者によって提出されることに同意します。
1.定義。 本改正案内で使用されている定義されていない大文字の用語（これに含まれる緒言はここに組み込まれます）は、本改正契約書に記載されている定義と同じ意味を持ちます。別段の明示がない限り。
2.与信契約の改正. 効力発生日をもって、既存の与信契約は以下のように修正されます:
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]
(a)既存の与信契約のセクション1.1に、以下の新たに定義された用語をアルファベット順に追加します。
"指定されたシェア買い戻しプログラム""はオップフィ・インクのプログラムを指します。時折、3年間で最大$20,000,000分の普通株式を取引所で買い戻すという具体的な内容は、2024年4月9日に証券取引委員会に提出されたオップフィ・インクの現行報告書で詳細に説明されています。
(b)以下の通り、既存の与信契約のセクション5.11(d)を修正して再掲する。
(d) 配当制限当社またはその関連会社は、行政代理人の事前の書面による同意なしに、現金配当金やその他の現金配当金を出資者に支払うことはできません。ただし、当該支払いが、当該会社の親会社に対して直接または間接に100％所有される関連子会社が実施する現金配当金または現金配当金については除きます。ただし、上記を考慮しても、当該配当金または配当金が生じないように、当該会社と借入人が5.11(a)項に違反しない限り、当該配当金または配当金を四半期ごとに一回以上行うことができます。さらに、上記を考慮しても、会社は、連邦、州および地方の所得税を納付するために必要な金額を超えない金額で配当金や配当金を行うことができます。金額は、会社および借入人がいずれも5.11(a)項に違反しないこと、さらに、デフォルトまたはイベントの発生が発生しないことを条件として、(y)は、Sen companiesが所有者に支払うための支払の全額または一部を調達または効果化するために、OppoFi Inc.に直接または間接的に、またはユニットを償還し、それぞれの、指定株式買取プログラムの下で行われた支払全体または一部を調達するため、配当を行うことができます。これらの支払を考慮し、デフォルトまたはデフォルトイベントが発生しない場合
3.修正の制限.
(a)に記載されている改正 第二条、上記は、ここに記載されている目的に対して有効であり、記載されているとおりに正確に限定されるものとします。この改正は、修正クレジット契約、その他のクレジット文書、またはその他の関連文書に対する過去、現在、または将来の違反に対する権利を放棄するものではなく、またそのように解釈されることもありません。また、直接的または間接的に、（i）代理人または貸主がいつでも権利、特権を行使する権利を損ない、偏見、または悪影響を及ぼさないものとします。修正後の信用契約、その他の信用書類、またはその他の関連文書（これらの権利はすべてここに明示的に帰属します）に関連する救済措置代理人および貸主が留保します）、（ii）本書に特に記載されている場合を除き、既存のクレジット契約、その他のクレジット文書、またはその他の関連文書の条項を修正または変更することは、（iii）借り手またはそれぞれの関連会社の義務、または既存の信用契約に基づく代理人または貸手の権利、特権、救済措置を変更するための取引方針またはその他の根拠となります文書またはその他の関連文書、または（iv）は、代理人または貸主による同意（みなしまたは明示的）を構成します以前の、既存の、または
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]
与信契約の将来の違反、その他の与信書類またはその他の関連文書。ここに当事者間に口頭での合意はなく、本件に関する過去または将来の討議または表明は、修正された与信契約、その他の与信書類またはその他の関連文書の過去、現在、または将来の違反の放棄を構成しません。
(b)この修正は、修正された与信契約の一部および一部として解釈されるものであり、修正された与信契約に規定された全条件、表明、保証、契約、およびその他の与信文書はここに承認および確認され、全力を持って引き続き有効であり、ただし、本日の日付以降、その他の与信文書における「与信契約」という言葉の参照は、修正された与信契約を指し示すものとなります。
4.表現と保証; 権利譲渡の承認.
(a)与信契約の各当事者は、この修正および修正後の与信契約の履行の実行がすべての必要な行動によって適切に認可されていること、およびこの修正の実行、履行、および修正後の与信契約の履行をするためにすべての必要な権限と権限を有していることを確認します。
(b)Each Credit Party represents and warrants that this Amendment and the Amended Credit Agreement, as applicable, constitute its legally valid and binding obligations, enforceable against it in accordance with the respective terms hereof and thereof, except as enforcement may be limited by equitable principles (regardless of whether enforcement is sought in equity or at law) or by bankruptcy, insolvency, reorganization, moratorium, or similar laws relating to or limiting creditors’ rights generally.
(c)Each Credit Party (with respect to itself) represents and warrants that the representations and warranties contained in Section 4 of the Existing Credit Agreement are true and correct in all material respects after giving effect to this Amendment on and as of the date hereof as though made on and as of the date hereof (except to the extent such representations and warranties expressly relate to an earlier date), and no Default or Event of Default exists (after giving effect to this Amendment) or would result from this Amendment becoming effective in accordance with its terms.
5.Conditions Precedent to Effectiveness of this Amendment. The effectiveness of this Amendment is subject to the satisfaction of the following conditions precedent, unless specifically waived in writing by the Administrative Agent:
(a)The Administrative Agent shall have received this Amendment duly executed by the Credit Parties.
(b)After giving effect to the terms of this Amendment, (i) the representations and warranties contained herein and in the Amended Credit Agreement and the other Credit Documents shall be true and correct in all material respects (except for such representations and
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]
warranties already qualified by materiality which shall be true and correct in all respects) on and as of the Effective Date (or to the extent they expressly relate to an earlier time, as of such earlier time); and (ii) no Default or Event of Default shall have occurred and be continuing.
(c)Borrower shall have paid to the Agents and the Lenders, as applicable, all other amounts required to be paid pursuant to the Amended Credit Agreement on the Effective Date and all outstanding Permitted Expenses.
6.Ratifications. The terms and provisions set forth in this Amendment shall modify and supersede all inconsistent terms and provisions set forth in the Existing Credit Agreement and the Credit Documents and, except as expressly modified and superseded by this Amendment, the terms and provisions of the Existing Credit Agreement and the other Credit Documents are ratified and confirmed as of the Effective Date and shall continue in full force and effect. The Borrower and the Company each hereby agrees that all Liens and security interests securing payment of the Obligations under the Credit Documents are hereby collectively renewed, ratified and brought forward as security for the payment and performance of the Obligations. The Credit Parties, the Agents and the Lenders agree that the Amended Credit Agreement and the other Credit Documents, as amended hereby, shall continue to be legal, valid, binding and enforceable in accordance with their respective terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization, receivership, moratorium or other similar laws relating to or affecting the rights of creditors generally, and by general equity principles (regardless of whether such enforcement is considered in a proceeding in equity or at law).
7.Amendment as a Credit Document. Each Credit Party acknowledges and agrees that this Amendment constitutes a “Credit Document.” Accordingly, it shall be an Event of Default under the Existing Credit Agreement if any representation or warranty made by a Credit Party under or in connection with this Amendment shall have been false in any material respect when made and which shall not have been remedied or waived within fifteen (15) Business Days after the earlier of (i) an Authorized Officer of such Credit Party becoming aware of such falsity, or (ii) receipt by such Credit Party of written notice from the Administrative Agent or any Lender of such falsity.
8.Expenses of Agents and Lenders. Each Credit Party agrees to pay, jointly and severally, promptly after demand, all reasonable and documented out-of-pocket costs and expenses of the Agents and the Lenders in connection with the negotiation, preparation, execution and delivery of this Amendment in accordance with Section 9.2 of the Amended Credit Agreement.
9.Severability. Any provision of this Amendment held to be invalid, illegal or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such invalidity, illegality or unenforceability without affecting the validity, legality and enforceability of the remaining provisions hereof; and the invalidity of a particular provision in a particular jurisdiction shall not invalidate such provision in any other jurisdiction.
10.Successors and Assigns. This Amendment is binding upon and shall inure to the benefit of the Agents, the Lenders, the Credit Parties, and their respective successors and permitted
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]
assigns, except that the Credit Parties may not assign or transfer any of its respective rights or obligations hereunder without the prior written consent of the Administrative Agent.
11.Counterparts. This Amendment may be executed in counterparts (and by different parties hereto on different counterparts), each of which shall constitute an original, but all of which when taken together shall constitute a single contract. Delivery of an executed counterpart of a signature page to this Amendment by telecopy or other electronic means shall be effective as delivery of a manually executed counterpart of this Amendment.
12.No Waiver. Nothing contained in this Amendment shall be construed as an amendment or waiver by the Agents or the Lenders of any covenant or provision of the Existing Credit Agreement, the other Credit Documents, this Amendment, or of any other contract or instrument among the Credit Parties, the Lenders and the Agents, and the failure of the Lenders and the Agents at any time or times hereafter to require strict performance by the Credit Parties of any provision thereof shall not waive, affect or diminish any right of the Agents to thereafter demand strict compliance therewith. The Agents and Lenders hereby reserve all rights granted to each of them under the Existing Credit Agreement, the other Credit Documents, this Amendment and any other contract or instrument among the Credit Parties and any one or more of the Agents and the Lenders.
13.Headings. Article and Section headings used herein are for convenience of reference only, are not part of this Amendment and shall not affect the construction of, or be taken into consideration in interpreting, this Amendment.
14.Applicable Law. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES (OTHER THAN SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW).
15.Final Agreement. THE AMENDED CREDIT AGREEMENT CONSTITUTES THE ENTIRE CONTRACT BETWEEN AND AMONG THE PARTIES RELATING TO THE SUBJECT MATTER THEREOF AND SUPERSEDES ANY AND ALL PREVIOUS AGREEMENTS AND UNDERSTANDINGS, ORAL OR WRITTEN, RELATING TO THE SUBJECT MATTER THEREOF.
16.Time. Time is of the essence of this Amendment.
IN WITNESS WHEREOF, each of the parties hereto has executed this Amendment as of the date first above-written.
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]
OPPORTUNITY FUNDING SPE V, LLC, as a Borrower By: /s/ Todd Schwartz Name: Todd Schwartz Title: CEO OPPORTUNITY FINANCIAL, LLC, in its individual capacity, as Originator, Servicer, a Seller and a Guarantor By: /s/ Todd Schwartz Name: Todd Schwartz Title: CEO OPPWIN, LLC, as a Seller and a Guarantor By: /s/ Todd Schwartz Name: Todd Schwartz Title: CEO | |||||
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]
MIDTOWN MADISON MANAGEMENT LLC, as Administrative Agent and Collateral Agent By: /s/ David Aidi Name: David Aidi Title: Authorized Signatory | |||||
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]
ACM AIF EVERGREEN P2 DAC SUBCO LP, as a Tranche B Lender By: /s/ David Aidi Name: David Aidi Title: Authorized Signatory ATALAYA A4 POOL 1 LP, as a Tranche B Lender By: /s/ David Aidi Name: David Aidi Title: Authorized Signatory ATALAYA A4 POOL 1 (CAYMAN) LP, as a Tranche B Lender By: /s/ David Aidi Name: David Aidi Title: Authorized Signatory ACM AIF EVERGREEN P3 DAC SUBCO LP, as a Tranche C Lender By: /s/ David Aidi Name: David Aidi Title: Authorized Signatory ATALAYA ASSET INCOME FUND PARALLEL 345 LP, as a Tranche C Lender By: /s/ David Aidi Name: David Aidi Title: Authorized Signatory ATALAYA A4 P2 DAC SUBCO LP, as a Tranche C Lender By: /s/ David Aidi Name: David Aidi Title: Authorized Signatory | |||||
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]
ACKNOWLEDGED AND AGREED:
OPPORTUNITY MANAGER, LLC,
as a Guarantor
By: /s/ Todd Schwartz
Name: Todd Schwartz
Title: Executive Chairman & CEO
OPPWIN CARD, LLC,
as a Guarantor
By: /s/ Todd Schwartz
Name: Todd Schwartz
Title: Executive Chairman & CEO
OPPWIN SALARYTAP, LLC,
as a Guarantor
By: /s/ Todd Schwartz
Name: Todd Schwartz
Title: Executive Chairman & CEO
OPPORTUNITY FINANCIAL CARD COMPANY, LLC,
as a Guarantor
By: /s/ Todd Schwartz
Name: Todd Schwartz
Title: Executive Chairman & CEO
SALARYTAP, LLC,
as a Guarantor
By: /s/ Todd Schwartz
Name: Todd Schwartz
Title: Executive Chairman & CEO
OPPORTUNITY FINANCIAL LOANS, LLC,
as a Guarantor
By: /s/ Todd Schwartz
Name: Todd Schwartz
Title: Executive Chairman & CEO
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]
OPPWIN LOANS, LLC,
as a Guarantor
By: /s/ Todd Schwartz
Name: Todd Schwartz
Title: Executive Chairman & CEO
OPPFI MANAGEMENT HOLDINGS, LLC,
as a Guarantor
By: /s/ Todd Schwartz
Name: Todd Schwartz
Title: Executive Chairman & CEO
OPPORTUNITY FUNDING SPE II, LLC,
as a Guarantor
By: /s/ Todd Schwartz
Name: Todd Schwartz
Title: Executive Chairman & CEO
[Signature Page to Amendment No. 3 to A&R Credit Agreement (OppFunding V)]