THIRD AMENDED AND RESTATED LOAN PROGRAM AGREEMENT between CROSS RIVER BANK, SUNLIGHT FINANCIAL LLC and SL FINANCIAL HOLDINGS INC., as Guarantor Dated as of December 6, 2023Loan Program Agreement • December 7th, 2023 • Sunlight Financial Holdings Inc. • Finance services • New York
THIS THIRD AMENDED AND RESTATED LOAN PROGRAM AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”) is made and entered into as of December 6, 2023 (the “Effective Date”), by and among CROSS RIVER BANK, an FDIC-insured New Jersey state chartered bank (“Bank”), SUNLIGHT FINANCIAL LLC, a Delaware limited liability company (“Sunlight”), and SL FINANCIAL HOLDINGS INC., a Delaware corporation (“Guarantor”), amending and restating that certain Second Amended and Restated Loan Program Agreement by and between Bank and Sunlight dated as of April 25, 2023 (as amended, restated, supplemented or otherwise modified prior to the date hereof, the “Old Agreement”).
THIRD AMENDED AND RESTATED LOAN PROGRAM AGREEMENT between CROSS RIVER BANK and UPSTART NETWORK, INC. Dated as of January 1, 2019Loan Program Agreement • December 4th, 2020 • Upstart Holdings, Inc. • Finance services • Delaware
THIS THIRD AMENDED AND RESTATED LOAN PROGRAM AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”) is made and entered into as of this 1st day of January, 2019 (the “Effective Date”), by and between CROSS RIVER BANK, a New Jersey state chartered bank (“Bank”) and UPSTART NETWORK, INC., a Delaware corporation (“UNI”).
SECOND AMENDED AND RESTATED LOAN PROGRAM AGREEMENT between CROSS RIVER BANK and AFFIRM, INC. Dated as of November 1, 2020Loan Program Agreement • December 22nd, 2020 • Affirm Holdings, Inc. • Services-business services, nec • New York
THIS SECOND AMENDED AND RESTATED LOAN PROGRAM AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”) is made and entered into as of November 1, 2020 (the “Effective Date”), by and between CROSS RIVER BANK, an FDIC-insured New Jersey state chartered bank (“Bank”) and AFFIRM, INC., a Delaware corporation (“Platform Agent”).
FIFTH AMENDMENT TO LOAN PROGRAM AGREEMENTLoan Program Agreement • November 15th, 2011 • First Marblehead Corp • Personal credit institutions • Georgia
This Fifth Amendment to Loan Program Agreement (the “Fifth Amendment”) is entered into this day of November 14, 2011 (the “Fifth Amendment Effective Date”), by and among First Marblehead Education Resources, Inc., a Delaware corporation having its principal offices at One Cabot Road, Medford, Massachusetts 02155 (“FMER”), The First Marblehead Corporation, a Delaware corporation having its principal offices at 800 Boylston Street, 34th Floor, Boston, Massachusetts 02199 (“FMC”), and SunTrust Bank, a Georgia state-chartered banking corporation having an office located at 1001 Semmes Avenue, Richmond, Virginia 23224 (“SunTrust”). Capitalized terms used in this Fifth Amendment without definition have the meanings assigned to them in the Loan Program Agreement (as defined below).
Loan Program Agreement – Road Tube CountersLoan Program Agreement • October 24th, 2019
Kansas LTAP has established its Equipment Loan Program for all local government agencies throughout Kansas. The Program provides interested cities, counties and townships with hands-on training on how to use this equipment. Some local agencies do not have the resources to own equipment needed to perform traffic studies. By providing road tube counters through LTAP, agencies will have free access to good equipment that will allow them to achieve their goals. Local agencies are encouraged to take advantage of this item as a way of saving money versus purchasing equipment that may only be needed for a short time. In addition, by using the same types of technology throughout the state, the information gathered will be consistent and compatible across local agencies.
FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENT between CROSS RIVER BANK and SUNLIGHT FINANCIAL LLC Dated as of February 12, 2018Loan Program Agreement • May 12th, 2021 • Spartan Acquisition Corp. II • Finance services • New York
THIS FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”) is made and entered into as of this 12th day of February, 2018 (the “Effective Date”), by and between CROSS RIVER BANK, an FDIC-insured New Jersey state chartered bank (“Bank”) and SUNLIGHT FINANCIAL LLC, a Delaware limited liability company (“Sunlight”) amending and restating that certain Loan Program Agreement by and between Bank and Sunlight dated December 3, 2017 (the “Old Agreement”).
SIXTEENTH AMENDMENT TO LOAN PROGRAM AGREEMENTLoan Program Agreement • February 9th, 2015 • First Marblehead Corp • Personal credit institutions • Georgia
This Sixteenth Amendment to Loan Program Agreement (the “Sixteenth Amendment”) is entered into and is effective as of November 10, 2014 (the “Sixteenth Amendment Effective Date”), except as otherwise stated herein, by and among First Marblehead Education Resources, Inc., a Delaware corporation having its principal offices at One Cabot Road, Medford, Massachusetts 02155 (“FMER”), The First Marblehead Corporation, a Delaware corporation having its principal offices at 800 Boylston Street, 34th Floor, Boston, Massachusetts 02199 (“FMC”), and SunTrust Bank, a Georgia state-chartered banking corporation having an office located at 1001 Semmes Avenue, Richmond, Virginia 23224 (“SunTrust”). Capitalized terms used in this Sixteenth Amendment without definition have the meanings assigned to them in the Agreement (as defined below).
FOURTH AMENDMENT TO LOAN PROGRAM AGREEMENTLoan Program Agreement • May 12th, 2021 • Spartan Acquisition Corp. II • Finance services • New York
This Amendment is made as of March 8, 2019 (this “Amendment”) by and between Cross River Bank, an FDIC-insured New Jersey state chartered bank (“Bank”), and Sunlight Financial LLC, a Delaware limited liability company (“Sunlight”), amending the terms of that certain Amended and Restated Loan Program Agreement dated as of February 12, 2018 as amended by that certain First Amendment thereto dated April 17, 2018, that certain letter agreement further amending the same dated as of July 9, 2018 and the Third Amendment thereto dated as of October 26, 2018 (as so amended, the “Existing Agreement” and as amended by this Amendment, the “Agreement”). Sunlight and Bank are collectively referred to herein as the “Parties”. Capitalized terms used herein but not otherwise defined herein shall have the meanings set forth therefore in the Existing Agreement.
EIGHTH AMENDMENT TO FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENTLoan Program Agreement • May 12th, 2021 • Spartan Acquisition Corp. II • Finance services • New York
This EIGHTH AMENDMENT TO THE FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENT (this “Amendment”) is made as of January 5, 2021 (the “Amendment Effective Date”) by and between CROSS RIVER BANK, an FDIC-insured New Jersey state-chartered bank (“Bank”), and SUNLIGHT FINANCIAL LLC, a Delaware limited liability company (“Sunlight”), amends the terms of that certain First Amended and Restated Loan Program Agreement dated as of February 12, 2018, by and between Bank and Sunlight, as previously amended by that certain First Amendment dated April 17, 2018, that certain letter agreement dated as of July 9, 2018, that certain Third Amendment dated as of October 26, 2018, that certain Fourth Amendment dated as of March 8, 2019, that certain Fifth Amendment dated as of December 1, 2019, that certain Sixth Amendment dated as of March 31, 2020 and that certain Seventh Amendment dated as of June 3, 2020 (as so amended, the “Existing Agreement” and as amended by this Amendment, the “Agreement”). Sunli
ContractLoan Program Agreement • March 29th, 2022 • Sunlight Financial Holdings Inc. • Finance services • New York
Amendment No. 3 To Third Amended And Restated Loan Program AgreementLoan Program Agreement • August 13th, 2021 • Upstart Holdings, Inc. • Finance services
This Amendment No. 3 to the Third Amended and Restated Loan Program Agreement (this “Amendment”) is entered into as of May 25, 2021 by and between Upstart Network, Inc., a Delaware corporation (“UNI”) and Cross River Bank, a New Jersey state-chartered bank (“Bank”), and amends the Third Amended and Restated Loan Program Agreement dated as of January 1, 2019 between Bank and UNI (“Loan Program Agreement”).
LOAN PROGRAM AGREEMENTLoan Program Agreement • July 26th, 2021 • OppFi Inc. • Finance services • Utah
THIS LOAN PROGRAM AGREEMENT (the “Program Agreement”) is made and entered into as of this 31st day of October, 2017 (“Effective Date”), by and between FinWise Bank, an FDIC insured Utah state-chartered bank with its principal office at 820 East 9400 South, Sandy, Utah 84094 (hereinafter referred to as “Bank”) and OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company, with its principal office at 130 East Randolph Street, Suite 3400, Chicago, Illinois, 60601 (hereinafter referred to as “Service Agent”).
Confidential Materials omitted and filed separately with the Securities and Exchange Commission. Asterisks denote omissions. LOAN PROGRAM AGREEMENTLoan Program Agreement • September 8th, 2011 • First Marblehead Corp • Personal credit institutions • Massachusetts
The report shall consist of aggregate program data and metrics and provide information in at least the following categories:
SIXTH AMENDMENT TO FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENTLoan Program Agreement • May 12th, 2021 • Spartan Acquisition Corp. II • Finance services • New York
This SIXTH AMENDMENT TO THE FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENT is made as of March 31, 2020 (this “Amendment”) by and between CROSS RIVER BANK, an FDIC-insured New Jersey state-chartered bank (“Bank”), and SUNLIGHT FINANCIAL LLC, a Delaware limited liability company (“Sunlight”), amending the terms of that certain First Amended and Restated Loan Program Agreement dated as of February 12, 2018, by and between Bank and Sunlight, as previously amended by that certain First Amendment dated April 17, 2018, that certain letter agreement dated as of July 9, 2018, that certain Third Amendment dated as of October 26, 2018, that certain Fourth Amendment dated March 8, 2019 and that certain Fifth Amendment dated as of December 1, 2019 (as so amended, the “Existing Agreement” and as amended by this Amendment, the “Agreement”). Sunlight and Bank are collectively referred to herein as the “Parties”. Capitalized terms used herein but not otherwise defined herein shall have the meanings
subprime loans (e.g., attributes of Borrowers with credit scores of [***] or less), and, with respect to any such Loan Application, shall provide to Bank an explanation and the background thereof, and shall monitor and report to Bank regarding all...Loan Program Agreement • March 29th, 2022 • Sunlight Financial Holdings Inc. • Finance services
LOAN PROGRAM AGREEMENTLoan Program Agreement • August 12th, 2015
Confidential Materials omitted and filed separately with the Securities and Exchange Commission. Asterisks denote omissions. LOAN PROGRAM AGREEMENTLoan Program Agreement • November 18th, 2010 • First Marblehead Corp • Personal credit institutions • Georgia
The report shall consist of aggregate program data and metrics and provide information in at least the following categories:
Confidential Materials omitted and filed separately with the Securities and Exchange Commission. Asterisks denote omissions. LOAN PROGRAM AGREEMENTLoan Program Agreement • August 2nd, 2012 • First Marblehead Corp • Personal credit institutions • Georgia
FIRST AMENDMENT TO LOAN PROGRAM AGREEMENTLoan Program Agreement • July 26th, 2021 • OppFi Inc. • Finance services
THIS FIRST AMENDMENT TO THE LOAN PROGRAM AGREEMENT (this “Amendment”) is made and entered into as of this 18th day of January, 2018, by and between FINWISE BANK, an FDIC insured Utah state chartered bank, with its principal office located at 820 East 9400 South, Sandy, Utah 84094 (“Bank”), and OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company with its principal office located at 130 East Randolph Street, Suite 3400, Chicago, Illinois 60601 (“Service Agent”). Unless otherwise defined herein, all capitalized terms used herein shall have the meanings ascribed to them in the Program Agreement (defined herein).
Loan Program Agreement -- Digital Ball Bank IndicatorLoan Program Agreement • October 24th, 2019
Kansas LTAP has established its Equipment Loan Program for all local government agencies throughout Kansas. The Program provides interested cities, counties and townships with hands-on training on how to use this equipment. Some local agencies do not have the resources to own equipment needed to perform traffic studies or reduce the speed on a segment of road. By providing a Digital Ball Bank Indicator through LTAP, agencies will have free access to good equipment that will allow them to achieve their goals. Local agencies are encouraged to take advantage of this item as a way of saving money versus purchasing equipment that may only be needed for a short time. In addition, by using the same types of technology throughout the state, the information gathered will be consistent and compatible across local agencies.
DocuSign Envelope ID: 39B67CDA-D54A-47E0-A9F4-9CB3C42A8DE3 2 Product Retention Percentage in excess of the amount specified on Exhibit A; and (d) a Required Retained Loans Low Interest Rate Product Amount in excess of the Required Retained Loans Low...Loan Program Agreement • March 29th, 2022 • Sunlight Financial Holdings Inc. • Finance services
Confidential Materials omitted and filed with the Securities and Exchange Commission. Double asterisks denote omissions. TWELFTH AMENDMENT TO LOAN PROGRAM AGREEMENTLoan Program Agreement • May 6th, 2014 • First Marblehead Corp • Personal credit institutions • Georgia
This Twelfth Amendment to Loan Program Agreement (the “Twelfth Amendment”) is entered into as of the 30th day of April, 2014 and shall be effective as of May 1, 2014 (the “Twelfth Amendment Effective Date”), except as otherwise stated herein, by and among First Marblehead Education Resources, Inc., a Delaware corporation having its principal offices at One Cabot Road, Medford, Massachusetts 02155 (“FMER”), The First Marblehead Corporation, a Delaware corporation having its principal offices at 800 Boylston Street, 34th Floor, Boston, Massachusetts 02199 (“FMC”), and SunTrust Bank, a Georgia state-chartered banking corporation having an office located at 1001 Semmes Avenue, Richmond, Virginia 23224 (“SunTrust”). Capitalized terms used in this Twelfth Amendment without definition have the meanings assigned to them in the Loan Program Agreement (as defined below).
– Confidential portions of this document have been redacted and filed separately with the Commission. LOAN PROGRAM AGREEMENTLoan Program Agreement • October 8th, 2015 • loanDepot, Inc. • Mortgage bankers & loan correspondents • New York
THIS LOAN PROGRAM AGREEMENT (the “Agreement”) is made and entered into as of this 6th day of May, 2015 (“Effective Date”), by and between CROSS RIVER BANK, a federally insured New Jersey state-chartered bank with its home office at 885 Teaneck Road, Teaneck, New Jersey, 07666 (hereinafter referred to as “Bank”) and loanDepot.com. LLC, with an office at 26642 Towne Centre Drive, Foothill Ranch, California 92610 (hereinafter referred to as “Company”).
Confidential Materials omitted and filed separately with the Securities and Exchange Commission. Asterisks denote omissions. LOAN PROGRAM AGREEMENTLoan Program Agreement • September 2nd, 2010 • First Marblehead Corp • Personal credit institutions • Georgia
The report shall consist of aggregate program data and metrics and provide information in at least the following categories:
FIFTH AMENDMENT TO FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENTLoan Program Agreement • May 12th, 2021 • Spartan Acquisition Corp. II • Finance services • New York
This FIFTH AMENDMENT TO FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENT (this “Amendment”), dated December 1st, 2019 (the “Effective Date”), by and between Sunlight Financial LLC, a Delaware limited liability company (“Sunlight”), and Cross River Bank, a New Jersey state-chartered bank (“Bank” and, together with Sunlight, the “Parties”), amends that certain First Amended and Restated Loan Program Agreement, dated February 12, 2018 (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement”), by and between Sunlight and Bank.
THIRTEENTH AMENDMENT TO LOAN PROGRAM AGREEMENTLoan Program Agreement • September 10th, 2014 • First Marblehead Corp • Personal credit institutions • Georgia
This Thirteenth Amendment to Loan Program Agreement (the “Thirteenth Amendment”) is entered into as of the 30th day of May, 2014 and shall be effective as of June 1, 2014 (the “Thirteenth Amendment Effective Date”), except as otherwise stated herein, by and among First Marblehead Education Resources, Inc., a Delaware corporation having its principal offices at One Cabot Road, Medford, Massachusetts 02155 (“FMER”), The First Marblehead Corporation, a Delaware corporation having its principal offices at 800 Boylston Street, 34th Floor, Boston, Massachusetts 02199 (“FMC”), and SunTrust Bank, a Georgia state-chartered banking corporation having an office located at 1001 Semmes Avenue, Richmond, Virginia 23224 (“SunTrust”). Capitalized terms used in this Thirteenth Amendment without definition have the meanings assigned to them in the Loan Program Agreement (as defined below).
NINTH AMENDMENT TO FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENTLoan Program Agreement • May 12th, 2021 • Spartan Acquisition Corp. II • Finance services • New York
This NINTH AMENDMENT TO THE FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENT (this “Amendment”) is made as of February 17, 2021 (the “Amendment Effective Date”) by and between CROSS RIVER BANK, an FDIC-insured New Jersey state-chartered bank (“Bank”), and SUNLIGHT FINANCIAL LLC, a Delaware limited liability company (“Sunlight”), amends the terms of that certain First Amended and Restated Loan Program Agreement dated as of February 12, 2018, by and between Bank and Sunlight (as previously amended, the “Existing Agreement” and as amended by this Amendment, the “Agreement”). Sunlight and Bank are collectively referred to herein as the “Parties”. Capitalized terms used herein but not otherwise defined herein shall have the meanings set forth therefor in the Existing Agreement.
ContractLoan Program Agreement • March 29th, 2022 • Sunlight Financial Holdings Inc. • Finance services • New York
Loan Program Agreement -- Traditional Ball Bank IndicatorLoan Program Agreement • October 24th, 2019
Kansas LTAP has established its Equipment Loan Program for all local government agencies throughout Kansas. The Program provides interested cities, counties and townships with hands-on training on how to use this equipment. Some local agencies do not have the resources to own equipment needed to perform traffic studies or reduce the speed on a segment of road. By providing a Traditional Ball Bank Indicator through LTAP, agencies will have free access to good equipment that will allow them to achieve their goals. Local agencies are encouraged to take advantage of this item as a way of saving money versus purchasing equipment that may only be needed for a short time. In addition, by using the same types of technology throughout the state, the information gathered will be consistent and compatible across local agencies.
Loan Program Agreement -- Measuring WheelLoan Program Agreement • October 24th, 2019
Kansas LTAP has established its Equipment Loan Program for all local government agencies throughout Kansas. The Program provides interested cities, counties and townships with hands-on training on how to use this equipment. Some local agencies do not have the resources to own equipment needed to perform traffic studies or reduce the speed on a segment of road. By providing Measuring Wheels through LTAP, agencies will have free access to good equipment that will allow them to achieve their goals. Local agencies are encouraged to take advantage of this item as a way of saving money versus purchasing equipment that may only be needed for a short time. In addition, by using the same types of technology throughout the state, the information gathered will be consistent and compatible across local agencies.
