SECOND AMENDED AND RESTATED LOAN SALE AGREEMENT with CROSS RIVER BANK SUNLIGHT FINANCIAL LLC and SUNLIGHT FINANCIAL LLC, for itself or on behalf of any Purchaser executing a Purchaser Joinder Agreement hereunder Dated as of April 25, 2023Loan Sale Agreement • May 1st, 2023 • Sunlight Financial Holdings Inc. • Finance services • New York
THIS SECOND AMENDED AND RESTATED LOAN SALE AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”), dated as of April 25, 2023 (the “Restatement Date”) is made, by and between CROSS RIVER BANK, a New Jersey state-chartered bank with its principal offices located at 885 Teaneck Road, Teaneck, New Jersey, 07666 (“Bank”), SUNLIGHT FINANCIAL LLC, a Delaware limited liability company, with its principal offices located at 101 N. Tryon Street, Suite 1000, Charlotte, North Carolina 28246 (“Sunlight”), and SUNLIGHT for itself or on behalf of any Purchaser executing a Purchaser Joinder Agreement hereunder and amends and restates the Amended and Restated Loan Sale Agreement amongst the parties hereto dated as of February 12, 2018.
SECOND AMENDED AND RESTATED LOAN PROGRAM AGREEMENT between CROSS RIVER BANK, SUNLIGHT FINANCIAL LLC and SL FINANCIAL HOLDINGS INC., as GuarantorLoan Program Agreement • May 1st, 2023 • Sunlight Financial Holdings Inc. • Finance services • 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 April 25, 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 First Amended and Restated Loan Program Agreement by and between Bank and Sunlight dated as of February 12, 2018 (as amended, restated, supplemented or otherwise modified prior to the date hereof, the “Old Agreement”).
LOAN AND SECURITY AGREEMENTLoan and Security Agreement • May 1st, 2023 • Sunlight Financial Holdings Inc. • Finance services
THIS LOAN AND SECURITY AGREEMENT (this “Agreement”) is dated as of April 25, 2023 (the “Effective Date”) between CROSS RIVER BANK, a New Jersey state-chartered bank (“Bank”), SUNLIGHT FINANCIAL LLC, a Delaware limited liability company (“Borrower”) and SL FINANCIAL HOLDINGS, INC., as guarantor (the “Guarantor”). The parties agree as follows:
AMENDED AND RESTATED HOME IMPROVEMENT LOAN PROGRAM AGREEMENT between CROSS RIVER BANK, SUNLIGHT FINANCIAL LLC and SL FINANCIAL HOLDINGS INC., as GuarantorImprovement Loan Program Agreement • May 1st, 2023 • Sunlight Financial Holdings Inc. • Finance services • New York
THIS AMENED AND RESTATED HOME IMPROVEMENT LOAN PROGRAM AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”) is made and entered into as of April 25, 2023 (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”) and SL FINANCIAL HOLDINGS INC., a Delaware corporation (“Guarantor”), amending and restating that certain First Amended and Restated Loan Program Agreement by and between Bank and Sunlight dated as of February 12, 2018 (as amended, restated, supplemented or otherwise modified prior to the date hereof, the “Old Agreement”).
WARRANT PURCHASE AGREEMENTWarrant Purchase Agreement • May 1st, 2023 • Sunlight Financial Holdings Inc. • Finance services • Delaware
This WARRANT PURCHASE AGREEMENT (this “Purchase Agreement”) is made as of April 25, 2023, by and between Sunlight Financial Holdings Inc., a Delaware corporation (the “Company”), and CRB Group, Inc., a Delaware corporation (“Purchaser”). Capitalized terms used herein and not otherwise defined shall have the meanings given to such terms in Section 4.1 hereof. Capitalized terms used but not defined in Section 4.1 hereof shall have the meanings given to such terms in the Warrant.
WARRANT TO PURCHASE CLASS A COMMON STOCKWarrant • May 1st, 2023 • Sunlight Financial Holdings Inc. • Finance services • Delaware
THIS WARRANT (this “Warrant”) CERTIFIES THAT, Sunlight Financial Holdings Inc., a Delaware corporation (the “Company”), hereby grants to CRB Group, Inc. (together with any successor or permitted assignee or transferee of this Warrant or of any shares issued upon exercise hereof, “Holder”), for good and valuable consideration, the receipt and sufficiency of which hereby are acknowledged, the right to purchase from the Company, at any time and from time to time on and after the date hereof in accordance with the terms hereof, up to an aggregate of 25,944,541 shares (the “Warrant Shares”) (subject to vesting as set forth in Section 1.1 and to adjustment as set forth in Section 2) of the Company’s Class A common stock, $0.0001 par value per share (the “Common Stock”), at a per share price of $0.01 (the “Exercise Price”), subject to adjustment as set forth in Section 2. This Warrant is first being issued on April 25, 2023 (the “Issue Date”), pursuant to the terms of that certain Warrant Pur
AMENDED AND RESTATED HOME IMPROVEMENT LOAN SALE AGREEMENT by and among CROSS RIVER BANK, SUNLIGHT FINANCIAL LLC and SUNLIGHT FINANCIAL LLC, FOR ITSELF AND/OR ON BEHALF OF ANY PERSON EXECUTING A PURCHASER JOINDER AGREEMENT HEREUNDER April 25, 2023Home Improvement Loan Sale Agreement • May 1st, 2023 • Sunlight Financial Holdings Inc. • Finance services • New York
This AMENDED AND RESTATED HOME IMPROVEMENT LOAN SALE AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”), dated as of April 25, 2023 (the “Restatement Date”), is made by and between CROSS RIVER BANK, a New Jersey state-chartered bank (“Bank”), SUNLIGHT FINANCIAL LLC, a Delaware limited liability company (“Sunlight”), and Sunlight for itself and on behalf of any Purchaser executing a Purchaser Joinder Agreement (as defined herein) (together with Bank and Sunlight, the “Parties” and each a “Party”), amending and restating that certain Loan Sale Agreement by and among Bank, Sunlight and each purchaser executing a joinder agreement thereunder, dated as of November 19, 2020 (as amended, restated, supplemented or otherwise modified prior to the date hereof, the “Old Agreement”).
