AMENDED AND RESTATED REVOLVING CREDIT AND GUARANTEE AGREEMENT dated as of July 16, 2019 among MOGO FINANCE TECHNOLOGY INC. as Borrower MOGO FINANCIAL INC., MOGO FINANCIAL (B.C.) INC., MOGO FINANCIAL (ALBERTA) INC. AND MOGO FINANCIAL (ONTARIO) INC. as...Revolving Credit and Guarantee Agreement • July 19th, 2019 • Mogo Inc. • Finance services • Ontario
Page Section 1. DEFINITIONS AND INTERPRETATION 1 1.1. Definitions. 2 1.2. Accounting Terms. 26 1.3. Interpretation, etc. 26 Section 2. LOANS 27 2.1. Loans. 27 2.2. Pro Rata Shares. 28 2.3. Use of Proceeds. 28 2.4. Register. 28 2.5. Interest on Loans. 29 2.6. Default Interest. 30 2.7. Fees. 30 2.8. Call Protection. 30 2.9. Mandatory Prepayments. 31 2.10. Loan Account and Collection Accounts. 31 2.11. Application of Collections. 32 2.12. Payments During an Event of Default. 32 2.13. General Provisions Regarding Payments. 32 2.14. Ratable Sharing. 33 2.15. Making or Maintaining Loans. 34 2.16. Increased Costs; Capital Adequacy. 35 2.17. Taxes; Withholding, etc. 37 Section 3. CONDITIONS PRECEDENT 38 3.1. Closing Date Conditions Precedent. 38 3.2. Credit Date Conditions Precedent. 41 Section 4. REPRESENTATIONS AND WARRANTIES 42 4.1. Organization; Requisite Power and Authority; Qualification; Other Names. 42 4.2. Capital Stock and Ownership. 43 4.3. Due Authorization. 43 4.4. No Conflict. 43
