<SEC-DOCUMENT>0001628280-26-054607.txt : 20260807
<SEC-HEADER>0001628280-26-054607.hdr.sgml : 20260807
<ACCEPTANCE-DATETIME>20260807085106
ACCESSION NUMBER:		0001628280-26-054607
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20260807
FILED AS OF DATE:		20260807
DATE AS OF CHANGE:		20260807

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Prenetics Global Ltd
		CENTRAL INDEX KEY:			0001876431
		STANDARD INDUSTRIAL CLASSIFICATION:	PHARMACEUTICAL PREPARATIONS [2834]
		ORGANIZATION NAME:           	03 Life Sciences
		EIN:				000000000
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-41401
		FILM NUMBER:		261251604

	BUSINESS ADDRESS:	
		STREET 1:		7/F, K11 ATELIER, 728 KING'S ROAD
		CITY:			QUARRY BAY
		STATE:			K3
		ZIP:			000000
		BUSINESS PHONE:		(852) 2210-7188

	MAIL ADDRESS:	
		STREET 1:		7/F, K11 ATELIER, 728 KING'S ROAD
		CITY:			QUARRY BAY
		STATE:			K3
		ZIP:			000000
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>a6-kx2026x08x07xgeneralcat.htm
<DESCRIPTION>6-K
<TEXT>
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<title>Document</title></head><body><div id="i4b3a4fd2b2ce4447a3c8f86150356b10_1"></div><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-top:3pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:8.75pt;padding-right:8.75pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</font></div></td></tr></table></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:18pt;font-weight:700;line-height:100%">UNITED STATES<br>SECURITIES AND EXCHANGE COMMISSION</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">Washington, D.C. 20549</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.358%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:18pt;font-weight:700;line-height:100%">Form&#160;6-K</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.358%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%">REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE<br>13a-16 OR 15d-16 UNDER<br>THE SECURITIES EXCHANGE ACT OF 1934</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">For the month of August 2026</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">Commission File Number 001-41401 </font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.358%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:18pt;font-weight:700;line-height:100%">Prenetics Global Limited</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.358%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:39.743%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">Unit 703-706, K11 Atelier</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">728 King&#8217;s Road, Quarry Bay </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">Hong Kong</font></div></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">(Address of principal executive office)</font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Indicate by check mark whether the registrant files or will file annual reports under cover of Form&#160;20-F or Form&#160;40-F.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Form 20-F&#8194;&#9746;&#8195;Form 40-F&#8194;&#9744;</font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:3pt solid #000000;border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:8.75pt;padding-right:8.75pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:1pt;font-weight:400;line-height:100%">&#160;</font></div></td></tr></table></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="margin-top:12pt;text-indent:24.5pt"><font><br></font></div><div><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">EXPLANATORY NOTE</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:112%">On July 14, 2026, Prenetics Global Limited (the &#34;Company&#34;) announced the closing of a $1 billion growth financing arrangement with General Catalyst's Customer Value Fund for the Company's IM8 business. For further details regarding risks relating to the financing arrangement, refer to &#34;Risk Factors Related to General Catalyst Financing Arrangement&#34; included as Exhibit 99.1 to this Report on Form 6-K (this &#34;Report&#34;). This Report also contains the Customer Investment Agreement and the Master Guarantee Agreement entered into in connection with the financing arrangement, included as Exhibits 99.2 and 99.3 to this Report, respectively. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:112%">The description of the terms of the Customer Investment Agreement and the Master Guarantee Agreement included in the Company's press release and investor presentation, included as Exhibits 99.1 and 99.2, respectively, to the Report on Form 6-K furnished by the Company on July 14, 2026, is qualified in its entirety by reference to Exhibits 99.2 and 99.3 to this Report. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:112%">INCORPORATION BY REFERENCE </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:112%">This Report, along with Exhibits 99.1, 99.2 and 99.3, is incorporated by reference into the registration statements on Form F-3 (File Nos. 333-294765, 333-265284, 333-276538 and 333-288824) and Form S-8 (File Nos. 333-287017, 333-279019, 333-271552 and 333-267956) of Prenetics Global Limited (including any prospectuses forming a part of such registration statements), including all amendments thereto, filed with the U.S. Securities and Exchange Commission (the &#34;SEC&#34;), to be a part thereof from the date on which this report is submitted, to the extent not superseded by documents or reports subsequently filed or furnished.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:112%">FORWARD-LOOKING STATEMENTS</font></div><div style="text-align:center"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:112%">This report contains forward-looking statements. These statements are made under the &#8220;safe harbor&#8221; provisions of the U.S. Private Securities Litigation Reform Act of 1995. Statements that are not historical facts, including statements about the Company&#8217;s goals, targets, projections, outlooks, beliefs, expectations, strategy, plans, objectives of management for future operations of the Company, and growth opportunities are forward-looking statements. Our guidance reflects management&#8217;s current estimates and assumptions as of the date of this report, is subject to significant risks and uncertainties, and is not a guarantee of future performance. Actual results may differ materially. In some cases, forward-looking statements can be identified by words or phrases such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;target,&#8221; &#8220;aim,&#8221; &#8220;estimate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;believe,&#8221; &#8220;potential,&#8221; &#8220;continue,&#8221; &#8220;is&#47;are likely to,&#8221; &#8220;guidance,&#8221; &#8220;outlook,&#8221; &#8220;forecast,&#8221; or other similar expressions. Forward-looking statements are based upon estimates and forecasts and reflect the views, assumptions, expectations, and opinions of the Company, which involve inherent risks and uncertainties, and therefore they should not be relied upon as being necessarily indicative of future results. A number of factors could cause actual results to differ materially from those contained in any forward-looking statement, including but not limited to&#58; the impact of the Customer Investment Agreement with GC Customer Value Arranger, LLC is unpredictable, and the arrangement may not function as expected, and its failure to do so could materially and adversely impact our financial condition and results of operations, we may require additional capital to grow our business, which may not be available on terms acceptable to us or at all, the Company may not be able to maintain and enhance its IM8 business and brand if it suffers negative publicity or fails to maintain a strong base of engaged customers and content creators, or otherwise fails to meet customers&#8217; expectations&#59; the Company&#8217;s ability to further develop and grow its business, including new products and services&#59; and the Company&#8217;s ability to efficiently and effectively deploy financial and management resources towards maintaining and growing the business. In addition to the foregoing factors, you should also carefully consider the other risks and uncertainties described in the &#8220;Risk Factors&#8221; section of the Company&#8217;s most recent registration statement and the prospectus therein, and the other documents filed by the Company from time to time with the U.S. Securities and Exchange Commission. Unless otherwise specified, all information provided in this report is as of the date of this report, and the Company does not undertake any duty to update such information, except as required under applicable law. Nothing in this report constitutes an offer to sell, or the solicitation of an offer to buy, any securities of the Company.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">EXHIBIT INDEX</font></div><div style="text-align:center"><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.711%"><tr><td style="width:1.0%"></td><td style="width:12.267%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.830%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:83.503%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Exhibit No. </font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Description</font></td></tr><tr><td colspan="3" style="border-top:2pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">99.1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:2pt solid #000;padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#0000ff;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a href="ex-991xriskfactorsrelating.htm" style="color:#0000ff;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">Risk Factors Related to General Catalyst Financing Arrangement</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">99.2*</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#0000ff;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a href="ex-992customerinvestmentag.htm" style="color:#0000ff;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">Customer Investment Agreement, dated July 13, 2026</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">99.3*</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#0000ff;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a href="ex-993guaranty.htm" style="color:#0000ff;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline">Master Guarantee Agreement, dated July 13, 2026</a></font></div></td></tr></table></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">__________________________________________</font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">* Portions of this exhibit have been omitted pursuant to Item 601(b)(2) of Regulation S-K. The registrant agrees to furnish supplementally to the SEC a copy of any omitted portion upon request by the SEC.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">The representations, warranties and covenants contained in the Customer Investment Agreement and the Master Guarantee Agreement have been made solely for the benefit of the parties thereto. In addition, such representations, warranties and covenants (a) have been made only for purposes of the Customer Investment Agreement and the Master Guarantee Agreement, (b) are subject to materiality qualifications contained therein which may differ from what may be viewed as material by investors, (c) were made only as of the date of the relevant agreement or such other date as is specified in such agreement, and (d) have been included in the relevant agreement for the purpose of allocating risk between the contracting parties, rather than establishing matters as fact. Accordingly, the Customer Investment Agreement and the Master Guarantee Agreement are included with this filing only to provide investors with information regarding the terms of such agreements, and not to provide investors with any other factual information regarding the Company, the parties to such agreements, or their respective businesses. Investors should not rely on the representations, warranties and covenants or any descriptions thereof as characterizations of the actual state of facts or condition of the Company, the parties to such agreements, or any of their respective subsidiaries or affiliates. Moreover, information concerning the subject matter of the representations and warranties may change after the date of the Customer Investment Agreement and the Master Guarantee Agreement, which subsequent information may or may not be fully reflected in the Company's public disclosures.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">SIGNATURES</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:48.500%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.100%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:42.100%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"></td><td colspan="6" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:100%">Prenetics Global Limited</font></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"></td><td colspan="6" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">By&#58;</font></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#47;s&#47; Danny Sheng Wu Yeung</font></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Name&#58;</font></td><td colspan="3" style="border-top:1pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Danny Sheng Wu Yeung</font></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Title&#58;</font></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Chief Executive Officer</font></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"></td><td colspan="6" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Date&#58; August 7, 2026</font></td><td colspan="6" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"></td></tr></table></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></div><div style="margin-bottom:6pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex-991xriskfactorsrelating.htm
<DESCRIPTION>EX-99.1
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="i843e7cb984bd4a2f82728b970b44074d_1"></div><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Exhibit 99.1</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:right"><font><br></font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">RISK FACTORS RELATING TO GENERAL CATALYST FINANCING ARRANGEMENT</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:center"><font><br></font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Unless the context otherwise requires, all references to &#8220;Prenetics,&#8221; &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; or the &#8220;Company&#8221; in this Exhibit 99.1 refer to Prenetics Global Limited and its subsidiaries.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">On July 14, 2026, the Company announced the closing of a $1 billion growth financing arrangement with General Catalyst's Customer Value Fund for the Company's IM8 business. Our business, financial condition, results of operations and future prospects may be materially adversely affected by the implementation of the financing arrangement, including as a result of the risk factors described below. The risks and uncertainties described below are not the only ones that we face or may face.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">For more information on the risks to our business, financial condition, results of operations and future prospects, please see our risk factors described in &#8220;&#8220;Item 3. Key Information &#8212; D. Risk Factors&#8221;&#160;in our annual report on Form&#160;20-F&#160;for the year ended December&#160;31, 2025 filed with the U.S. Securities and Exchange Commission (the &#8220;SEC&#8221;), together with those described in the &#8220;Risk Factors&#8221; section of the Company&#8217;s most recent registration statement and the prospectus therein, and the other documents filed by the Company from time to time with the SEC.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font><br></font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The impact of the Customer Investment Agreement with GC Customer Value Arranger, LLC is unpredictable, and the arrangement may not function as expected, and its failure to do so could materially and adversely impact our financial condition and results of operations.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">On July 13, 2026, our wholly-owned subsidiary IM8 (US) LLC (the &#8220;Investment Recipient&#8221;) entered into the Customer Investment Agreement (the &#8220;Customer Investment Agreement&#8221;) with GC Customer Value Arranger, LLC (the &#8220;Arranger&#8221;), on behalf of certain investors (the &#8220;Investors&#8221;), with Prenetics Limited and IM8 Limited serving as guarantors (collectively, the &#8220;Guarantors&#8221;), to provide funding for IM8&#8217;s sales and marketing growth efforts. Under the Customer Investment Agreement, the Arranger will facilitate funding by the Investors of up to an aggregate maximum of $1,000,000,000 (the &#8220;Maximum Invested Amount&#8221;). The commitment runs through and including August 11, 2028, subject to mutual extension by the parties.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Under the Customer Investment Agreement, the Arranger facilitates funding of up to 70% of IM8&#8217;s growth spend for each month (the &#8220;Investment Amount&#8221;), after which the Investment Recipient is obligated to remit to the Arranger, on behalf of the applicable Investors, a percentage of collections from customers first acquired during such month until the applicable investor return cap is reached or 10 years have elapsed (whichever occurs first). The investor return cap for each cohort of customers is the lesser of (i) an amount that would result in the Investors realizing a 30% internal rate of return across all cohorts funded in a given calendar year and (ii) a return multiple applied to the Investment Amount, which multiple varies based on the payback period and ranges from 1.035x to a maximum of 1.170x.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Customer Investment Agreement, the parties entered into a Master Guarantee Agreement (the &#8220;Guarantee&#8221;), dated as of July 13, 2026, pursuant to which IM8 Limited and Prenetics Limited, jointly and severally, unconditionally and irrevocably guarantee to the Arranger, for the ratable benefit of the Investors, the payment and performance of all guaranteed obligations arising under the Customer Investment Agreement. The Guarantee remains in effect until all guaranteed obligations have been irrevocably paid in full and the Customer Investment Agreement has been terminated, subject to earlier release accompanied by a replacement guarantee satisfactory to the Arranger.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">The Customer Investment Agreement is intended to deliver cash flow benefits to support IM8&#8217;s sales and marketing growth efforts through the funding of customer acquisition costs. There can be no guarantee that this financing structure will successfully result in the acquisition of new customers or help achieve our intended objectives, and its failure to do so could materially and adversely impact our financial condition and results of operations.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We may require additional capital to grow our business, which may not be available on terms acceptable to us or at all.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">To the extent that our capital is insufficient at any point in time to meet future operating requirements (including regulatory capital requirements) or to cover losses, we may need to raise additional funds through financings or curtail our projected growth. Many factors will affect our capital needs as well as their amount and timing, including our growth and profitability, as well as market disruptions and other developments.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Historically, we have funded our operations, marketing expenditures and capital expenditures primarily through equity issuances and cash from operations. We evaluate financing opportunities from time to time, and our ability to obtain financing will depend, among other things, on our development efforts, business plans and operating performance, and the condition of the capital markets at the time we seek financing.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">If we raise additional funds through the issuance of equity, equity-linked or debt securities, those securities may have rights, preferences or privileges senior to those of our common stock, and our existing stockholders may experience dilution. Furthermore, any debt financing secured by us in the future could require a substantial portion of our operating cash flow to be allocated to payment of interest and principal, which may reduce available funds for other business activities, and could involve restrictive covenants relating to our capital-raising activities and other financial and operational matters, which may make it more difficult for us to obtain additional capital and to pursue business opportunities. Under the Customer Investment Agreement, we are also subject to certain covenants that restrict our ability to incur additional indebtedness without the Arranger&#8217;s prior written approval or an intercreditor or subordination agreement satisfactory to the Arranger.</font></div><div style="margin-bottom:5pt;margin-top:5pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">If we are unable to obtain adequate financing or financing on terms satisfactory to us, when required, our ability to continue to support our business growth and to respond to business challenges could be significantly limited, and our business, results of operations and financial condition could be adversely affected.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>ex-992customerinvestmentag.htm
<DESCRIPTION>EX-99.2
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="idfe1d2b8acff40b6b31b7992be10c2a9_1"></div><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:700;line-height:133%">Exhibit 99.2</font></div><div style="text-align:right"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:700;line-height:133%">Certain information and schedules have been excluded from this exhibit because they are both (i) not material and (ii) the type that the registrant treats as private or confidential. The excluded information is indicated by brackets containing asterisks (&#34;&#91;***&#93;&#34;). The registrant will furnish supplementally a copy of any excluded information or schedule to the Securities and Exchange Commission upon request.</font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.951%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.848%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.328%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.473%"></td><td style="width:0.1%"></td></tr><tr style="height:14pt"><td colspan="6" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr style="height:14pt"><td colspan="6" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr style="height:42pt"><td colspan="6" style="padding:0 1pt"></td><td colspan="6" style="padding:0 1pt"></td></tr><tr><td colspan="12" style="padding:1.5pt 1pt;text-align:center;vertical-align:top"><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">Dated as of July 13, 2026</font></div></td></tr><tr><td colspan="12" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">IM8 (US) LLC,</font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">as Investment Recipient,</font></div><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">PRENETICS LIMITED,</font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">as a Guarantor,</font></div><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">IM8 LIMITED, </font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">as a Guarantor,</font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">each other Guarantor party hereto from time to time,</font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">and</font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">GC CUSTOMER VALUE ARRANGER, LLC, <br>as Arranger, on behalf of the Investors</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:1.5pt 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">CUSTOMER INVESTMENT AGREEMENT</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_4"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:1.5pt 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%">TABLE OF CONTENTS</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 4.12pt 1.5pt 1pt;text-align:right;vertical-align:top"><div style="margin-bottom:12pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%">Page</font></div></td></tr></table></div><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#if2e5fb5799bd49b58755292e99bb051e" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">1.&#160;&#160;&#160;&#160;Definitions and Construction.</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#if2e5fb5799bd49b58755292e99bb051e" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 1 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ifd77d9d9e42e449cb38b1ba861a9bdfb" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">2.&#160;&#160;&#160;&#160;Investment.</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ifd77d9d9e42e449cb38b1ba861a9bdfb" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 12 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i24c7fb4d7bf043698eaa06449065cc89" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">3.&#160;&#160;&#160;&#160;Conditions of Advances.</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i24c7fb4d7bf043698eaa06449065cc89" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 15 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i75189b854ab343da94631c39b8ad353c" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">4.&#160;&#160;&#160;&#160;Representations and Warranties of the Group Companies.</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i75189b854ab343da94631c39b8ad353c" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 17 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4927e9192e8b4a259825c75a2574e64d" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">5.&#160;&#160;&#160;&#160;Covenants of Group Companies.</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i4927e9192e8b4a259825c75a2574e64d" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 20 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i2bfcf10982a24c92903508a3c12c4016" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">6.&#160;&#160;&#160;&#160;Administration of Invested Receivables.</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i2bfcf10982a24c92903508a3c12c4016" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 27 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie1065664b26e4412b5de10eb3b9bbdac" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">7.&#160;&#160;&#160;&#160;Indemnities and Set-Off.</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ie1065664b26e4412b5de10eb3b9bbdac" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 28 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#idb58c103759e4fbd97a7df65bc1e5b87" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">8.&#160;&#160;&#160;&#160;Retained Obligations</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#idb58c103759e4fbd97a7df65bc1e5b87" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 29 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#idd3256423be34d8290c45e497560adb7" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">9.&#160;&#160;&#160;&#160;Costs and Expenses&#59; Default Rate</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#idd3256423be34d8290c45e497560adb7" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 29 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i5d0e3016dee645b78c951fcf7decab77" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">10.&#160;&#160;&#160;&#160;General Payments</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i5d0e3016dee645b78c951fcf7decab77" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 29 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#id19c18c59bbc4e62b67052cd80c11fb1" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">11.&#160;&#160;&#160;&#160;Tax and Accounting Treatment</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#id19c18c59bbc4e62b67052cd80c11fb1" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 29 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i6fed1f9ff7af4771b5f2d2e24111daf6" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">12.&#160;&#160;&#160;&#160;Notices</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i6fed1f9ff7af4771b5f2d2e24111daf6" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 30 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i1ce42a428a2a4600b92fa98e5925fa7d" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">13.&#160;&#160;&#160;&#160;Survival</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i1ce42a428a2a4600b92fa98e5925fa7d" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 31 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib830963b3c244c89b6255f8a97b211b7" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">14.&#160;&#160;&#160;&#160;Governing Law&#59; Venue&#59; Waiver of Jury Trial&#59; etc.</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ib830963b3c244c89b6255f8a97b211b7" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 31 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i1978a6ded59d4aeda89d313e47f1de61" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">15.&#160;&#160;&#160;&#160;Fees and Expenses</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i1978a6ded59d4aeda89d313e47f1de61" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 32 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ia4efb2c86a9d4c1b8660974e7a839787" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">16.&#160;&#160;&#160;&#160;Dispute Resolution</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#ia4efb2c86a9d4c1b8660974e7a839787" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 32 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0d0e031de4d44324952a24156267eed9" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">17.&#160;&#160;&#160;&#160;General Provisions.</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i0d0e031de4d44324952a24156267eed9" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 32 -</a></font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3ba1ad7c2bd448d698cd4f7fd91d8a3c" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">18.&#160;&#160;&#160;&#160;Confidentiality</a></font></div></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"><a href="#i3ba1ad7c2bd448d698cd4f7fd91d8a3c" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:none">- 33 -</a></font></div></td></tr></table></div><div style="margin-bottom:12pt;text-align:justify"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:66.826%"><tr><td style="width:1.0%"></td><td style="width:48.780%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:49.020%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 1 -</font></div></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_7"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">CUSTOMER INVESTMENT AGREEMENT</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">This CUSTOMER INVESTMENT AGREEMENT (this &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Agreement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) is entered into as of July 13, 2026 (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Effective Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), by and among IM8 (US) LLC, a Delaware limited liability company (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investment Recipient</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), PRENETICS LIMITED, a private company limited by shares incorporated under the laws of Hong Kong (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Prenetics</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), IM8 LIMITED, a private company limited by shares incorporated under the laws of Hong Kong (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IM8 Guarantor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; and together with the Prenetics Guarantor and each other &#34;Guarantor&#34; joined to the Guarantee and to this Agreement, collectively, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantors</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; and each, a &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), each other Guarantor party hereto from time to time, and GC CUSTOMER VALUE ARRANGER, LLC, a Delaware limited liability company, as arranger (in such capacity, together with its successors and assigns in such capacity, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Arranger</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), on behalf of certain Investors (as defined herein).</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">RECITALS</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">The Prenetics Guarantor is a global health sciences company. The Investment Recipient is an Affiliate of the Prenetics Guarantor and the IM8 Guarantor.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">The Guarantors have requested, and the Arranger has agreed, that the Arranger shall facilitate funding to the Investment Recipient pursuant to the terms of this Agreement and as further set forth in each Investment Request, to fund the acquisition of Reference Cohorts by the applicable Group Companies during a given S&#38;M Period through advertising, marketing, or other related expenses designed to attract new Customers.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">As further outlined herein (including the Specified Commercial Terms in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule&#160;A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> hereto), the Arranger shall, pursuant to the terms hereof and of any such agreed and countersigned Investment Request, facilitate funding by the Investors of the Investment Amount, and the related Investors shall be entitled to certain Reference Income from the Investment Recipient based on such Reference Cohorts.</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">AGREEMENT</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">The parties agree as follows&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="if2e5fb5799bd49b58755292e99bb051e"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">1.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:27pt">Definitions and Construction.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Definitions</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  As used in this Agreement, the following terms shall have the following definitions&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Actual S&#38;M Spend</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any S&#38;M Period, the actual amount of S&#38;M Spend by the Investment Recipient and the IM8 Guarantor during such period.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Affiliate</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Person, any Person that Controls such Person, any Person that Controls or is Controlled by or is under common Control with such Person, and each of such Person's senior executive officers, directors, and partners.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Agreement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the preamble hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Anti-Corruption Laws</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means (a)&#160;the U.S. Foreign Corrupt Practices Act of 1977, as amended&#59; (b)&#160;the U.K. Bribery Act 2010, as amended&#59; and (c)&#160;any other applicable anti-bribery or anti-corruption Laws, regulations or ordinances of each jurisdiction in which any Group Company is located or doing business.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Anti-Money Laundering Laws</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means all applicable Laws in any jurisdiction in which the Arranger or any Group Company is located, incorporated, established, organized, resident or domiciled or doing business that relates to money laundering or terrorism financing, any predicate crime to money laundering, or any financial record keeping and reporting requirements related thereto, including the Money Laundering Control Act, 18 U.S.C. &#167;&#167; 1956 and 1957, as amended, and the Bank Secrecy Act, 31 U.S.C. &#167;&#167; 5311 </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">et seq.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, as amended by the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (Title III of Pub. L. 107-56), the Anti-Money Laundering Act of 2020, and its implementing regulations (collectively, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Bank Secrecy Act</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), and any applicable related or similar rules, regulations or guidelines, which in each case are issued, administered or enforced by any Governmental Authority from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Arranger</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the preamble hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Availability Period</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the period of time from the Effective Date through and including the last day of the Commitment Period (as may be extended).  Upon the date that is thirty (30) days prior to the end of the Availability Period (such end of the Availability Period, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Roll Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), the Availability Period shall automatically be modified to end on the date that is the one (1) year anniversary of the Roll Date provided neither the Investment Recipient nor the Arranger provide notice in writing to the other party indicating its desire to not extend the Availability Period at least thirty (30) days before the Roll Date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Business Day</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any day that is not a Saturday, Sunday, or other day on which banks in New York City are authorized or required to close.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Cancellation Event</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the occurrence of (i)&#160;a Sale of Company with no prior notice to the Arranger, (ii)&#160;an Insolvency Proceeding with respect to any Group Company, (iii)&#160;any representation or warranty by any Group Company hereunder is incorrect when made and such inaccuracy has resulted or is reasonably likely to result in a Material Adverse Change, (iv) a Regulatory Event has resulted or is reasonably likely to result in a Material Adverse Change, (v) an acceleration, turbo repayment or equivalent provision pursuant to any Senior Loan Agreement, (vi)&#160;a breach by any Group Company of any covenants set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;5</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> or of any other term of this Agreement that has resulted or is reasonably likely to result in a Material Adverse Change or (vii) a failure to satisfy the &#91;***&#93;.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Cash</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means cash and Cash Equivalents.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Cash Equivalents</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means (a)&#160;marketable direct obligations issued or unconditionally guaranteed by the United States or any agency or any State thereof having maturities of not more </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 2 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">than one (1) year from the date of acquisition&#59; (b)&#160;commercial paper maturing no more than one (1) year after its creation and having the highest rating from either Standard &#38; Poor's Ratings Group or Moody's Investors Service, Inc.&#59; and (c)&#160;certificates of deposit issued maturing no more than one (1) year after issue.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">CircleDNA</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the CircleDNA business owned and operated by the Prenetics Guarantor.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Cohort Threshold Breach</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Tested Cohort, the failure to satisfy on any day the Cohort Threshold Test.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Cohort Threshold Test</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Commitment Period</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Commitment Termination Events</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Control</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; of any Person means the possession, directly or indirectly, of either (a)&#160;the power to vote, or the beneficial ownership of, 50.1% or more of the equity interests having ordinary voting power for the election of directors of such Person or (b)&#160;the power to direct or cause the direction of the management and policies of such Person, whether through the ability to exercise voting power, by contract or otherwise.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Controlled Investment Affiliate</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; of any Person means any fund or investment vehicle that (a)&#160;is organized or managed by such Person for the purpose of making equity or debt investments or (b)&#160;is Controlled by such Person or an Affiliate of such Person. For avoidance of doubt, any vehicle whose holdings in respect of this Agreement are serviced and managed by the Arranger shall be deemed to be a Controlled Investment Affiliate hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Customer</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means each Person who entered into a Customer Agreement with the Investment Recipient or the IM8 Guarantor for consumer products or services, whether through the IM8 Website, the Amazon website or any other digital storefront, excluding any retail businesses, and excluding any Person whose Customer Agreement arises from any business-to-business arrangement and any Person who is a customer of any Group Company or business other than the Investment Recipient or the IM8 Guarantor (including, for the avoidance of doubt, CircleDNA).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Customer Agreement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Customer, each of the agreements and other documents entered into between such Customer and the Investment Recipient or the IM8 Guarantor (whether by the execution of a single contract or through the acceptance of generally available terms of service) governing their commercial relationship.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Data Protection Law</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any law, rule or regulation applicable from time to time governing the protection, privacy, security, or processing of data in any jurisdiction applicable to </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 3 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">any Group Company or data processed by any Group Company including (without limitation) the General Data Protection Regulation (EU) 2016&#47;679 (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">GDPR</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), the Data Protection Act 2018 (&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">DPA 2018</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), the UK GDPR (as defined in section 3(10) (as supplemented by section 205(4)) of the Data Protection Act 2018), Data Protection Act (2021 Revision), the Privacy and Electronic Communications (EC Directive) Regulations 2003 (and any applicable implementing legislation), the California Consumer Privacy Act (&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">CCPA</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), the California Privacy Rights Act (&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">CPRA</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) and the Massachusetts Data Security Regulation, in each case as the same may be re-enacted, applied, amended, superseded, repealed or consolidated.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Default Rate</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; shall be a rate equal to 16.00% per annum.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Disbursement Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means &#91;***&#93; in which any Disbursement Date Report is required to be delivered hereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Disbursement Date Report</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.2(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Dormant Entity</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any Subsidiary and Affiliate of any of the Guarantors or the Investment Recipient that (i) is dormant or non-operating, (ii) does not hold any assets material to the Investment Recipient's or any Guarantor's business or the Invested Receivables, and (iii) is subject to dissolution or liquidation (including any Subsidiary and Affiliate of any of the Guarantors or the Investment Recipient with respect to which the management has commenced planning for dissolution or liquidation) in the ordinary course of business.  For the avoidance of doubt, the Investment Recipient, the IM8 Guarantor and the Prenetics Guarantor shall never be Dormant Entities.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Effective Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the preamble hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">ERISA</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the Employee Retirement Income Security Act of 1974, as amended, and the regulations thereunder.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">ETL</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the process of extracting data, transforming it and loading it into a database.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Excluded Taxes</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any of the following taxes imposed on or with respect to the Arranger or any Investor (or any assignee) or required to be withheld or deducted from a payment to Arranger, on behalf of the related Investors (or any assignee) (a) any taxes imposed on or measured by net income (however denominated), franchise taxes, and branch profits taxes, in each case, (x) imposed as a result of the Arranger or any Investor (or its assignee) being organized under the laws of, or having its principal office or its applicable transacting office located in, the jurisdiction imposing such tax, or in any political subdivision thereof or (y) imposed as a result of a present or former connection between the Arranger or any Investor (or its assignee) and the jurisdiction imposing such tax (other than connections arising from such Investor having executed, delivered, become a party to, performed its obligations under, received payments under, received or perfected a security interest under, engaged in any other transaction pursuant to or enforced this Agreement, or sold or assigned an interest in any Invested Receivable), (b) any U.S. federal withholding taxes imposed on amounts payable to or for the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 4 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">account of the Arranger or any Investor pursuant to a law in effect on the date on which (i) Investor (or its assignee) acquires such interest in the applicable Invested Receivable or (ii) Investor (or its assignee) changes its transacting office, (c) taxes attributable to Arranger's failure to comply with Section 10 hereof and (d) any U.S. backup withholding taxes.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Expected S&#38;M Spend</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any S&#38;M Period, the amount of S&#38;M Spend that each Group Company expects in good faith to spend during such S&#38;M Period, as indicated on </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule&#160;B</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> (as amended by the Investment Recipient from time to time).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Funding Adjustment</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; shall mean an update to the Schedule of Investments attached hereto as </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Annex I</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> to account for a Spend Reconciliation in the form attached hereto as </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit&#160;B</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Government Entity</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means (a) a Governmental Authority&#59; (b) a government-owned&#47;government-run&#47;government-controlled association, organization, business, or enterprise&#59; or (c) a political party.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Government Official</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means (a) an employee, officer, or representative of, or any person otherwise acting in an official capacity for or on behalf of a Government Entity&#59; (b) a legislative, administrative, or judicial official&#59; (c) a candidate for political office&#59; or (d) an individual who holds any other official, ceremonial, or other appointed or inherited position with a government or any of its agencies.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Governmental Authority</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the government of the United States, the Cayman Islands, Hong Kong, or any other nation, or of any political subdivision thereof, whether state or local, and any agency, authority, instrumentality, regulatory body, court, central bank or other entity exercising executive, legislative, judicial, taxing, regulatory or administrative powers or functions of or pertaining to government (including, without limitation, any supra-national bodies such as the European Union or the European Central Bank).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Group Companies</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, collectively, each of the Investment Recipient, the Guarantors party hereto as of the Effective Date and each Guarantor joined to the Guarantee and this Agreement after the Effective Date.  For avoidance of doubt, no reference to Group Companies herein shall be construed such that it includes any Dormant Entity.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantee</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means that certain Master Guarantee Agreement, dated as of the Effective Date, among the Prenetics Guarantor, the IM8 Guarantor and each other Guarantor party thereto from time to time, and the Arranger, as amended, amended and restated, supplemented or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the preamble hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Historical Cohorts</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5.5</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IFRS</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means International Financial Reporting Standards (IFRS) as in effect from time to time.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 5 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IM8 Website</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any Group Company's website(s) through which Customers may purchase products or services for consumer use.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Indebtedness</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; of any Person at any date means, without duplication, (a) all obligations of such Person for borrowed money, (b) all obligations of such Person evidenced by bonds, debentures, notes or other similar instruments, (c) all obligations of such Person to pay the deferred purchase price of property or services, except trade accounts payable arising in the ordinary course of business, (d) all obligations of such Person under leases which are or should be, in accordance with IFRS, recorded as capital leases in respect of which such Person is liable, (e) all obligations of such Person to purchase securities (or other property) which arise out of or in connection with the sale of the same or substantially similar securities (or property), (f) all deferred obligations of such Person to reimburse any bank or other Person in respect of amounts paid or advanced under a letter of credit or other instrument, (g) all debt of others of the type set forth in (a) through (f) above secured by a Lien on any asset of such Person, whether or not such debt is assumed by such Person, (h) all debt of others of the type set forth in (a) through (f) above guaranteed directly or indirectly by such Person or as to which such Person has an obligation substantially the economic equivalent of a guaranty, and (i) interests of a vendor or lessor under any conditional sale agreement, capital lease or other title retention agreement relating to property of such Person (excluding accounts payable arising in the ordinary course of business).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Insolvency Proceeding</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any proceeding commenced by or against any person or entity under any provision of the United States Bankruptcy Code, the equivalent bankruptcy, insolvency, liquidation, conservatorship, winding up, reorganization or restructuring Law under any other jurisdiction, in each case as amended, or under any other bankruptcy, liquidation, conservatorship or insolvency law, including assignments for the benefit of creditors, formal or informal moratoria, receivership, compositions, extension generally with its creditors, proceedings seeking reorganization, arrangement, or other relief or similar laws affecting the rights of creditors generally.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Invested Receivable</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investment Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; shall mean, with respect to any S&#38;M Period and associated Reference Cohort, the investment amount set forth in the Investment Request for the S&#38;M Period associated with such Reference Cohort that has been requested by the Investment Recipient and funded by the applicable Investors upon the acceptance by the Arranger of such Investment Request, subject to adjustment outlined in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.1(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investment Company Act</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the Investment Company Act of 1940, as amended or otherwise modified from time to time.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investment Funding Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the date on which the Investors actually fund the requested Investment Amount in response to any applicable Investment Request.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investment Recipient</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means IM8 (US) LLC, an Affiliate of the Prenetics Guarantor and the IM8 Guarantor, which receives Reference Income in respect of the Invested Receivables.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 6 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investment Request</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means a request from the Investment Recipient to the Arranger for the funding of an Investment Amount in the form attached hereto as </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investment Request Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the date of the applicable Investment Request.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the Persons listed on </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule C</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, as such Schedule may be amended, restated or otherwise revised by the Arranger in accordance with this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investor Cap Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investor Funding Percentage</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investor Sharing Percentage</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Laws</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, collectively, all international, foreign, federal, state and local statutes, treaties, rules, guidelines, regulations, ordinances, codes and administrative or judicial precedents or authorities, including the interpretation or administration thereof by any Governmental Authority charged with the enforcement, interpretation or administration thereof, and all applicable administrative orders, directed duties, requests, licenses, authorizations and permits of, and agreements with, any Governmental Authority, in each case whether or not having the force of law.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Lien</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any mortgage, lien (statutory or otherwise), deed of trust, charge, pledge, hypothecation, assignment, deposit arrangement, security interest or other encumbrance or preferential arrangement of any kind, in each case, in the nature of security.  For the avoidance of doubt, other agreements similar in nature to this Agreement made by any Group Company that pledge income associated with an Invested Receivable (or similar) shall also constitute a &#34;Lien&#34; on such Invested Receivable. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Material Adverse Change</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means an event that, in the Arranger's reasonable discretion, results or is reasonably likely to result in (a) a material adverse change in the financial condition, operations, performance or properties of any Group Company or that materially impairs the ability of any Group Company to fulfill its obligations hereunder, (b) a material deterioration in the value of the Invested Receivables, (c) the impairment of the validity or enforceability of, or a material adverse effect on the rights, remedies or benefits available to the Arranger under this Agreement, or (d) a material adverse effect on the validity, enforceability or collectability on the cohort of the Invested Receivables.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">OFAC</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the Office of Foreign Assets Control of the U.S. Department of the Treasury.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Open Reference Cohort</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any Reference Cohort during the period from the Investment Request Date related thereto until the earlier of (i)&#160;the date that the Outstanding Investor Share attributable to such Reference Cohort is equal to $0.00 and (ii)&#160;the date that is ten </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 7 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(10) years following the first day of the S&#38;M Period in which such Reference Cohort was originated.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Outstanding Investor Share</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Reference Cohort on any date of determination, the greater of (x)&#160;zero (0) and (y)&#160;the difference between (i)&#160;the Investor Cap Amount for such Reference Cohort, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">minus</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> (ii)&#160;the aggregate amount of Reference Income for such Reference Cohort remitted to the applicable Investors by the Investment Recipient on or before such date&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> on and after the date that is ten (10) years following the first day of the S&#38;M Period in which such Reference Cohort was originated, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Outstanding Investor Share</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; with respect to such Reference Cohort shall be zero ($0.00).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Percentage Interest</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Investment Amount and any related individual Investor, the percentage obtained by dividing (a) the aggregate payments advanced by such Investor in relation to such Investment Amount by (b) the total amount of such Investment Amount.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Prenetics Group</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means Prenetics Global Limited and its subsidiaries and consolidated affiliated entities.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Permitted Liens</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the following&#58; (a) Liens for taxes, fees, assessments or other governmental charges or levies that are not delinquent, (b) Liens arising by applicable Law or deposits to secure the performance of bids, tenders, trade contracts (other than for borrowed money), leases, government contracts, statutory obligations, surety, stay, customs and appeal bonds, performance and return of money bonds and other obligations of a like nature incurred in the ordinary course of business (other than for indebtedness or any Liens arising under ERISA), and (c) Liens granted pursuant to a Senior Loan Agreement for which the Arranger received advance notice as required by </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5.8(m)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Person</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any individual, sole proprietorship, partnership, limited liability company, joint venture, trust, unincorporated organization, association, corporation, institution, public benefit corporation, firm, joint stock company, estate, entity or governmental agency.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Plan Asset Regulation</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5.18.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Prepayment Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, as of any date of determination, an amount equal to the Outstanding Investor Share for any and all Open Reference Cohorts.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Program Document</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means this Agreement, the Guarantee and any other agreement or instrument executed and&#47;or delivered in connection herewith.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Reference Cohort</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Reference Income</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 8 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Regulatory Event</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the commencement of or any development in (a) any inquiry, investigation, or regulatory action by any applicable Governmental Authority against any Group Company, any of its Subsidiaries and&#47;or any other Person engaged in the industry in which any Group Company conducts its business or (b) any legal action or proceeding to which any Group Company, any of its Subsidiaries and&#47;or any other Person engaged in the industry in which any Group Company conducts its business is a party that, in the case of either (a) or (b), the Arranger, in its good faith commercially reasonable judgment, determines could materially impact any Group Company's or any of its Subsidiaries' ability to continue its business as then currently conducted or could have a material negative impact on the industry in which any Group Company conducts its business as a whole.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Replacement Guarantee</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in Section 2.2(d).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Responsible Officer</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; of any Person means the chief executive officer, the president, any executive vice president, any senior vice president, any vice president, chief operating officer or any financial officer of such Person and any other individual or similar official thereof responsible for the administration of the obligations of such Person in respect of this Agreement, and, as to any document delivered on the Effective Date, shall include any secretary or assistant secretary or any other individual or similar official thereof with substantially equivalent responsibilities.  Any document delivered hereunder that is signed by a Responsible Officer of any Group Company shall be conclusively presumed to have been authorized by all necessary corporate, partnership and&#47;or other action on the part of such Group Company and such Responsible Officer shall be conclusively presumed to have acted on behalf of such Group Company.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Retained Obligations</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 8</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">S&#38;M Excess Spend</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.1(d)(i)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">S&#38;M Period</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">S&#38;M Spend</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the Specified Commercial Terms.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">S&#38;M Underspend</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.1(d)(ii)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Sale of Company</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any of the following&#58; (a) any liquidation or winding up of any Group Company, (b) a merger, consolidation or transfer of equity securities (pursuant to a single transaction or series of related transactions) of any Group Company, with or to any independent third party, which, in any case, results in the equity holders of such Group Company immediately prior to such transaction possessing less than a majority of the beneficial voting power or ownership interests of such Group Company, or any successor entity's issued and outstanding equity securities immediately after such transaction or series of such transactions&#59; or (c) a sale, lease or exclusive license, in a single transaction or series of related transactions, to an independent third party of all or substantially all of any Group Company's assets&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided, that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, the introduction of one or more holding companies above any Group Company or a &#91;***&#93; shall not constitute a Sale of Company hereunder.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 9 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Sanction</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; or &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Sanctions</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means individually and collectively, respectively, economic or financial sanctions, sectoral sanctions, secondary sanctions, or trade embargoes or restrictive measures and anti-terrorism Laws, including but not limited to those imposed, administered or enforced from time to time by (a)&#160;the U.S. government, including those administered by OFAC, or the U.S. Department of State, the U.S. Department of Commerce, the U.S. Department of the Treasury, or through any existing or future Executive Order, (b)&#160;the United Nations Security Council, (c)&#160;the European Union or any Member State of the European Union, (d)&#160;the United Kingdom or (e)&#160;any other Governmental Authority with jurisdiction over any Group Company, except to the extent inconsistent with U.S. law.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Sanctioned Country</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means a country or territory that is the target of comprehensive Sanctions (which comprise, as of the date of this Agreement, Cuba, Iran, North Korea, Syria, Russia, Belarus, the government of Venezuela, the Kherson region of Ukraine, the Zaporizhzhia region of Ukraine, the Crimea region of Ukraine, the so-called Donetsk People's Republic of Ukraine and the so-called Luhansk People's Republic regions of Ukraine).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Sanctioned Entity</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any Person that is the target of any Sanctions, including without limitation, (a)&#160;any Person listed in any Sanctions-related list of designated Persons maintained by OFAC, the U.S. Department of State or the U.S. Department of Commerce, the United Nations Security Council, the European Union, any Member State of the European Union or the United Kingdom&#59; (b)&#160;any Person organized under the laws of a Sanctioned Country or ordinarily resident in a Sanctioned Country&#59; (c)&#160;the government of a Sanctioned Country or the Government of Venezuela&#59; or (d)&#160;any Person 50% or more owned, individually or in the aggregate, directly or indirectly, or controlled by any Person or Persons identified in (a) &#8211; (c) or acting for or on behalf of such Person or Persons.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Senior Lender</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any lender under any Senior Loan Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Senior Loan Agreement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any loan, letter of credit, extension of credit, overdraft facility, financing facility or equivalent agreement pursuant to which any Group Company is a counterparty, guarantor, beneficiary, recipient, debtor or responsible party on behalf of another debtor, in whole or in part (which excludes any loan, extension of credit, financing facility or similar arrangement between or among the Investment Recipient, the Prenetics Guarantor and the IM8 Guarantor).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Senior Loan Default</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning ascribed to the term &#34;Default&#34; and &#34;Event of Default&#34; (or a similar concept) in any Senior Loan Agreement, as well as any provision resulting in amortization, cash sweep, turbo repayment or other enforcement mechanism (excluding any such amortization, cash sweep, turbo repayment or other enforcement mechanism occurring solely because of the passage of time rather than any act, omission or breach by any Group Company under such Senior Loan Agreement).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Specified Commercial Terms</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the commercial terms contained in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> appended hereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Spend Reconciliation</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.1(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 10 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Springing Collateral</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any and all properties, rights and assets of any Group Company in which such Group Company grants a Lien under any Senior Loan Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Springing Lien Event</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means any Group Company entering into any Senior Loan Agreement pursuant to which a Lien is granted over the Springing Collateral.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Subsidiary</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Person, a corporation, partnership, joint venture, limited liability company or other business entity of which a majority of the shares of securities or other interests having ordinary voting power for the election of directors or other governing body (other than securities or interests having such power only by reason of the happening of a contingency) are at the time beneficially owned, or the management of which is otherwise controlled, directly, or indirectly through one or more intermediaries, or both, by such Person.  Unless otherwise specified, all references herein to a &#34;Subsidiary&#34; or to &#34;Subsidiaries&#34; shall refer to a Subsidiary or Subsidiaries of any Group Company.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Termination Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the later of (x)&#160;the date that is thirty (30) days following the date on which the Outstanding Investor Share for each Reference Cohort is equal to zero ($0.00), (y)&#160;the end of the Availability Period and (z) the date that is thirty (30) days following the date of prepayment under Section 2.2(d).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">UCC</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the Uniform Commercial Code as from time to time in effect in the applicable jurisdiction.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">U.S.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the United States.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">VCOC</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;5.18.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">General Interpretive Provisions</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The definitions of terms herein shall apply equally to the singular and plural forms of the terms defined.  Whenever the context may require, any pronoun shall include the corresponding masculine, feminine and neuter forms.  The words &#34;include,&#34; &#34;includes&#34; and &#34;including&#34; shall be deemed to be followed by the phrase &#34;without limitation.&#34;  The word &#34;will&#34; shall be construed to have the same meaning and effect as the word &#34;shall.&#34;  Unless the context requires otherwise, (i)&#160;any definition of or reference to any agreement, instrument or other document (including the Program Documents and any organizational document) shall be construed as referring to such agreement, instrument or other document as from time to time amended, modified, extended, restated, replaced or supplemented from time to time (subject to any restrictions on such amendments, supplements or modifications set forth herein or in any other Program Document), (ii)&#160;any reference herein to any Person shall be construed to include such Person's successors and assigns, (iii)&#160;the words &#34;hereto,&#34; &#34;herein,&#34; &#34;hereof&#34; and &#34;hereunder,&#34; and words of similar import when used in any Program Document, shall be construed to refer to such Program Document in its entirety and not to any particular provision thereof, (iv)&#160;all references in a Program Document to Articles, Sections, Preliminary Statements, Exhibits, Annexes and Schedules shall be construed to refer to Articles and Sections of, and Preliminary Statements, Exhibits, Annexes and Schedules to, the Program Document in which such references appear, (v)&#160;any reference to any Law shall include all statutory and regulatory rules, regulations, orders and provisions consolidating, amending, replacing or </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 11 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">interpreting such Law and any reference to any Law or regulation shall, unless otherwise specified, refer to such Law or regulation as amended, modified, extended, restated, replaced or supplemented from time to time, and (vi)&#160;the words &#34;asset&#34; and &#34;property&#34; shall be construed to have the same meaning and effect and to refer to any and all tangible and intangible assets and properties, including Cash, securities, accounts and contract rights.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.3</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Accounting Terms</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Unless otherwise expressly provided herein, all accounting terms not specifically defined herein shall be construed in accordance with IFRS and all calculations made hereunder shall be made in accordance with IFRS as in effect from time to time.  When used herein, the terms &#34;financial statements&#34; shall include the notes and schedules thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.4</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Times of Day</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Unless otherwise specified, all references herein to times of day shall be references to New York time (daylight or standard, as applicable).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.5</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Business Days</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  In the event that any amount or other item is due on a day that is not a Business Day, that amount or other item shall be deemed to be due on the immediately succeeding Business Day.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ifd77d9d9e42e449cb38b1ba861a9bdfb"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">2.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:27pt">Investment.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">2.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Investments</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.7pt">Investment Request</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Commencing on the Effective Date and ending upon the expiration of the Availability Period, the Investment Recipient may from time to time make an offer for the Investors to invest in a Reference Cohort for the subsequent S&#38;M Period by delivering to the Arranger a request substantially in the form of </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> attached hereto (each, an &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investment Request</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;)&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> during the Commitment Period, the Investment Recipient shall be obligated to make such offer to Investors and deliver such Investment Request.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.02pt">Obligation of the Arranger to Facilitate Advances</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Subject to the Investment Recipient meeting each of the conditions outlined in the Specified Commercial Terms contained in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> attached hereto (including that no Commitment Termination Event has occurred and is continuing), during the Commitment Period, the Arranger shall accept an offer for investment in a Reference Cohort set forth in an Investment Request by execution thereof and delivery of the related countersigned Investment Request to the Investment Recipient within five (5) Business Days of its receipt thereof.  Upon any such acceptance of an Investment Request by the Arranger, subject to the satisfaction (or waiver, at the Arranger's sole discretion) of the conditions precedent set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;3.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> hereof, on the related Investment Funding Date, the Arranger shall facilitate the funding by one or more Investors of the related Investment Amount to the Investment Recipient by wire transfer to the account designated by the Investment Recipient within five (5) Business Days of the date of acceptance and shall thereafter be entitled to payment from the Investment Recipient of an amount up to the Investor Cap Amount with respect to the Invested Receivables.  Except for the indemnification obligations of each Group Company under </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 7</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, and each Group Company's other express payment </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 12 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">obligations hereunder, each investment in the Invested Receivables shall entitle the related Investors solely to the investment return, if any, until the date that the Outstanding Investor Share attributable to the Reference Cohort corresponding to such investment is equal to $0.00.  Subject to </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.1(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, the Investment Amount for each S&#38;M Period shall be adjusted to account for any S&#38;M Excess Spend or S&#38;M Underspend, as applicable.  Any such adjustment or any additional adjustment required to account for any applicable Spend Reconciliation shall be evidenced by a Funding Adjustment.  Notwithstanding the foregoing, any failure by the Arranger to facilitate a Funding Adjustment for any S&#38;M Excess Spend, S&#38;M Underspend or other applicable Spend Reconciliation shall not constitute a waiver of amounts due to related Investors of Reference Income.  Notwithstanding anything herein to the contrary, the Arranger shall be required to accept no more than one (1) Investment Request per S&#38;M Period.  As of the Effective Date, the Arranger expects that the Investors for future Investment Requests will be as set forth on </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule D</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#59; provided, that the actual Investors for an Investment Amount will in all cases be as reflected on the executed Investment Request delivered by the Arranger in connection therewith.  The Arranger also may deliver an updated </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule D</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> at any time to reflect changes in expectations regarding the Investors that will fund future Investment Amounts.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.7pt">Sharing of Reference Income</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Upon funding an Investment Amount during any S&#38;M Period, the related Investors will be entitled to, and the Investment Recipient hereby agrees to remit to the Arranger, on behalf of such Investors, in accordance with the terms hereof, the applicable Investor Sharing Percentage of all Reference Income from the Reference Cohort associated with such S&#38;M Period until such Investors have received Reference Income from such Reference Cohort equal to the Investor Cap Amount.  For any given S&#38;M Period, the Arranger may reduce the Investment Request amount by the portion of the Reference Income owed to the Investors from the prior S&#38;M Period or the Investment Recipient may remit only the portion of the Reference Income owed to the Investors in excess of the Investment Request for the following S&#38;M Period, as applicable.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.02pt">Reconciliation of S&#38;M Spend</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The Investment Recipient and the other Group Companies, if applicable, shall use commercially reasonable best efforts to fully utilize the Expected S&#38;M Spend for each S&#38;M Period.  Following the end of each S&#38;M Period for which the Investors funded an Investment Amount, the Investment Recipient shall promptly (and, in any event, no later than the first Disbursement Date for the Reference Cohort associated with such S&#38;M Period)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">notify the Arranger in writing of the Actual S&#38;M Spend for such S&#38;M Period and any deviation from the Expected S&#38;M Spend for such period and any updates to be made with respect to the applicable Investment Request (each, a &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Spend Reconciliation</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:24.69pt">In the event that the Actual S&#38;M Spend for any S&#38;M Period for which the Investors advanced an Investment Amount exceeds the Expected S&#38;M Spend for such period (a &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">S&#38;M Excess Spend</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), the Arranger may elect, in its sole discretion, to either (1)&#160;increase the Investment Amount for such period by causing the Investors to advance additional amounts to the Investment Recipient equal to the product of&#58; (i)&#160;the Investor Funding Percentage and (ii)&#160;the difference between the Actual S&#38;M Spend for such period and the Expected S&#38;M Spend for such period, or (2)&#160;reduce its Investor Funding Percentage to the product of the Investor Funding Percentage and quotient of (x)&#160;the Expected S&#38;M Spend for </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 13 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">such period </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">divided by</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> (y)&#160;the Actual S&#38;M Spend for such period.  For the avoidance of doubt, the Arranger may elect to engage in a ratable combination of the foregoing clauses (1) and (2) as described in the applicable related Funding Adjustment.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:21.36pt">In the event that the Actual S&#38;M Spend for any S&#38;M Period for which the Investors advanced an Investment Amount is less than the Expected S&#38;M Spend for such period (a &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">S&#38;M Underspend</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), such S&#38;M Underspend will, at Arranger's discretion, (x)&#160;roll over to the next period for which no Investment Amount has yet been advanced and be netted against such period's Investment Request or (y)&#160;be refunded to the related Investors based on their respective Percentage Interests.  As used herein, a S&#38;M Underspend shall equal the product of&#58; (i)&#160;the Investor Funding Percentage and (ii)&#160;the difference between the Actual S&#38;M Spend for such period and the Expected S&#38;M Spend for such period.  For the avoidance of doubt, the Arranger may elect to engage in a ratable combination of the foregoing clauses (x) and (y) as described in the applicable related Funding Adjustment.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(iii)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:18.03pt">Notwithstanding anything to the contrary herein, there shall be no limitation or restriction on the amount of Actual S&#38;M Spend incurred by the Investment Recipient or the IM8 Guarantor for any S&#38;M Period.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">2.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Sharing of Reference Income&#59; Term&#59; Termination</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.7pt">Application of Reference Income</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  On each Disbursement Date during the term of this Agreement, the Investment Recipient shall, and hereby agrees to, remit to the Arranger, on behalf of the applicable Investors, the Investor Sharing Percentage of Reference Income generated during the S&#38;M Period corresponding to such Disbursement Date for each Reference Cohort, in each case in immediately available funds in accordance with payment instructions provided to the Investment Recipient by the Arranger from time to time&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, in no event will the Investment Recipient be required to remit Reference Income to the Arranger for any Reference Cohort in an aggregate amount greater than the amount necessary to reduce the Outstanding Investor Share for such Reference Cohort to $0.00.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.02pt">Calculation of Reference Income</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  No later than &#91;***&#93; calendar days following the end of each S&#38;M Period, the Investment Recipient shall provide the Arranger with a calculation of Actual S&#38;M Spend, Reference Income and the Investor Sharing Percentage of Reference Income for each Open Reference Cohort along with such backup information reasonably requested by the Arranger in connection therewith (such calculation, a &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Disbursement Date Report</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;).  In the event that the Arranger disagrees with any information set forth in a Disbursement Date Report or the payments made under </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.2(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, the Investment Recipient agrees to make itself available to discuss the calculations and the basis for such disagreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.7pt">Early Termination by the Arranger</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  In the event that the Arranger on behalf of the Investors elects to terminate the commitment to make further investments under this Agreement following the occurrence of any Commitment Termination Event, the Investment Recipient shall continue to remit Reference Income to the Arranger, on behalf of the applicable Investors, in accordance with </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.2(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> above until the Outstanding </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 14 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Investor Share for each Reference Cohort is equal to $0.00.  In the event of fraud, embezzlement, gross malfeasance or a Cancellation Event, which Cancellation Event continues for a period of five (5) days after the earlier of the actual knowledge thereof of a Responsible Officer of the Investment Recipient or written notice thereof to the Investment Recipient, the Arranger may demand payment in full of the applicable Investors' Outstanding Investor Share as of such time, and such amount shall be due within three (3) Business Days of Arranger's written demand&#59; provided that in the event of a Cancellation Event that is reasonably curable, the Arranger may, in its reasonable discretion, reverse such demand.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.02pt">&#91;***&#93;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.7pt">Term&#59; Termination</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  This Agreement shall become effective on the Effective Date and shall continue in full force and effect until the Termination Date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i24c7fb4d7bf043698eaa06449065cc89"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">3.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:27pt">Conditions of Advances.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">3.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Conditions to the Effectiveness of Agreement.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">  The effectiveness of this Agreement is subject to the receipt by the Arranger, on behalf of the Investors, of the following documents and the satisfaction of the following conditions, as applicable, on or prior to the Effective Date, each in form and substance satisfactory to the Arranger on behalf of the Investors&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">an executed copy of&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:24.69pt">this Agreement signed by all parties hereto&#59; and</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:21.36pt">the Guarantee signed by all parties thereto&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">a good standing certificate for the Investment Recipient and equivalent thereof for the Prenetics Guarantor and the IM8 Guarantor from the Secretary of State (or similar official) of the state of the Investment Recipient's and such Guarantor's organization&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">a certificate of a Responsible Officer of the Investment Recipient certifying the names and true signatures of the incumbent officers authorized on behalf of the Investment Recipient to execute and deliver this Agreement, the Guarantee and any other documents to be executed or delivered by it hereunder, together with its organizational documents and resolutions, evidencing limited liability company action necessary for the Investment Recipient to execute, deliver and perform its obligations under this Agreement and the Guarantee&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">a certificate of a Responsible Officer for each Guarantor certifying signatures of the incumbent officers authorized on behalf of such Guarantor to execute and deliver this Agreement, the Guarantee and any other documents to be executed or delivered by it hereunder, together with its organizational documents and resolutions, evidencing corporate or other organizational action necessary for such Guarantor to execute, deliver and perform its obligations under this Agreement and the Guarantee&#59;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 15 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">opinion of counsel to the Investment Recipient and the Guarantors with respect to incorporation and good standing, authorization, enforceability, non-contravention of operating documents and corporate matters of the Investment Recipient and the Guarantors, in each case reasonably acceptable to the Arranger&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(f)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:24.03pt">all documents and other evidence that the Arranger requires for its know-your-customer and other compliance checks on the Investment Recipient and Guarantors (including, without limitation, lien searches against the Investment Recipient and equivalent thereof against the Guarantors)&#59; and</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(g)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">evidence of insurance coverage required by </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 4.16</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">3.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Conditions to Each Investment</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The Arranger's obligation to cause the advance of the Investment Amount to the Investment Recipient on any Investment Funding Date is subject to the satisfaction of the following conditions, or waiver by the Arranger thereof&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">the conditions set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> hereto shall have been satisfied (including that no Commitment Termination Event has occurred and is continuing)&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">the Arranger shall have received an Investment Request with respect to such Investment Amount satisfying the requirements set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;2.1(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#59; </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">the Arranger shall have received, in form and substance satisfactory to the Arranger, any additional documents and other evidence that the Arranger requires for its know-your-customer and other compliance checks on the Investment Recipient and the Guarantors&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">as of the related Investment Request Date and the related Investment Funding Date&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:24.69pt">the representations and warranties of the Investment Recipient and the Guarantors contained in this Agreement and the Guarantee shall be true and correct in all material respects (without duplication of other materiality qualifiers contained therein)&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:21.36pt">each of the Guarantors and the Investment Recipient shall be in compliance with each term, covenant and other provision of this Agreement and the Guarantee applicable to it in all material respects (without duplication of other materiality qualifiers contained therein)&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(iii)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:18.03pt">no Cancellation Event shall have occurred and be continuing&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(iv)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:18.69pt">the Arranger continues to have a favorable assessment of the continued viability of the Investment Recipient and each of the Guarantors as a going concern, as of the Investment Funding Date, which assessment shall take into consideration, in the Arranger's reasonable discretion, the location of the Investment Recipient and each such </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 16 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Guarantor and the effect of such location on the Investment Recipient's or such Guarantor's, as applicable, ability to continue its operations&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(v)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">to the best of the Investment Recipient's or the other applicable Group Company's knowledge, the Expected S&#38;M Spend for such S&#38;M Period and all prior S&#38;M Periods is accurate, or if not, a Funding Adjustment has been submitted for all relevant S&#38;M Periods for which an adjustment is required&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(vi)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:18.69pt">the Investment Recipient shall have demonstrated to the Arranger that all Cohort Threshold Tests have been satisfied after giving effect to any True-Down Election&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(vii)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15.36pt">the Arranger, on behalf of the applicable Investors, shall have received all payments then due that the Investment Recipient is obligated to pay to the Arranger under this Agreement (or a Guarantor is obligated to pay to the Arranger under the Guarantee) as of the applicable Investment Funding Date&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(viii)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:12.03pt">upon satisfaction of the conditions in this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 3.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> with respect to an Investment Amount, the Arranger shall execute the Investment Request, which Investment Request shall supplement </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule C</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> by identifying the Investors and their respective Percentage Interests&#59; </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(ix)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:18.69pt">no Senior Loan Default is in effect or will be prior to the Disbursement Date following such Investment Funding Date&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(x)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">solely following the occurrence and continuance of a Springing Lien Event, the Arranger has a perfected and continuing security interest in the Springing Collateral&#59;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(xi)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:18.69pt">no &#91;***&#93; that has not been consented to by the Arranger shall have occurred&#59; and</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:144pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(xii)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15.36pt">For every S&#38;M Period up to and including the most recently-ended S&#38;M Period prior to the Investment Funding Date, the total amount of Collections in respect of all Customers (including Customers who were acquired prior to the first S&#38;M Period), which Collections were first deposited in accounts in the name of Investment Recipient and any other Group Company domiciled in the United States or the United Kingdom (each as determined by the Arranger, acting reasonably), exceeds the total Reference Income due or paid to Arranger in respect of such S&#38;M Period(s) under this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i75189b854ab343da94631c39b8ad353c"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">4.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:27pt">Representations and Warranties of the Group Companies.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Each of the Investment Recipient and the other Group Companies represents and warrants as follows as of the Effective Date, each Investment Funding Date and each Disbursement Date&#58;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 17 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Existence&#59; Good Standing&#59; Insolvency Proceeding</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each of the Group Companies is a duly formed limited liability company, private limited company or limited company, as applicable, validly existing and in good standing under the laws of its jurisdiction of formation and is duly qualified to do business, and is in good standing, in every jurisdiction where the nature of its business requires it to be so qualified.  None of the Group Companies is subject to any Insolvency Proceeding.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">No Conflict, etc</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The execution, delivery and performance by each Group Company of this Agreement, the Guarantee, the other Program Documents and each other document to be delivered by such Group Company hereunder, (i)&#160;are within such Group Company's corporate or other organizational powers, (ii)&#160;have been duly authorized by all necessary corporate or other organizational action, and (iii)&#160;do not contravene (A) such Group Company's organizational documents, (B) any contractual restriction binding on or affecting such Group Company or its property, or (C) any order, writ, judgment, award, injunction or decree binding on or affecting such Group Company or its property.  This Agreement has been duly executed and delivered by each Group Company.  No competing notice of assignment or payment instruction or other notice inconsistent with the transactions contemplated in this Agreement is in effect with respect to any Invested Receivable.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.3</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Authorizations&#59; Filings</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  No authorization, approval, permit, license or other action by, and no notice to or filing with, any governmental entity is required for the due execution, delivery and performance by the Group Companies of this Agreement, the Guarantee or any other Program Document.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.4</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Enforceability</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each of this Agreement and the Guarantee constitutes the legal, valid and binding obligation of each Group Company, enforceable against such Group Company in accordance with its terms, except as limited by bankruptcy, insolvency, moratorium, fraudulent conveyance or other Laws relating to the enforcement of creditors' rights generally and general principles of equity (regardless of whether enforcement is sought at equity or Law).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.5</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Sale of Company</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  There is no executed agreement for a Sale of Company, or pending Sale of Company.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.6</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Litigation Matters</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  There is no pending (or, to its knowledge, threatened in writing) action, proceeding, investigation or injunction, writ or restraining order affecting any Group Company or any of its Affiliates before any court, governmental entity or arbitrator which, in the Arranger's sole and reasonable discretion, could reasonably be expected to materially and adversely affect the value of the Invested Receivables, and none of the Group Companies is currently the subject of, or has present intention of taking any action to commence, an Insolvency Proceeding.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.7</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Taxes</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company has (i)&#160;timely filed all federal and material state and local tax returns required to be filed by it and (ii)&#160;paid, or caused to be paid, all taxes, assessments and other governmental charges, if any, other than taxes, assessments and other governmental charges being contested in good faith by appropriate proceedings and as to which adequate reserves have been provided in accordance with IFRS, except to the extent that any </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 18 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">such non-filing or non-payment could not, in the Arranger's sole and reasonable discretion, reasonably be expected to adversely affect the value of the Invested Receivables.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.8</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Material Adverse Change</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  There exists no event which has or is reasonably likely to result in a Material Adverse Change.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.9</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Compliance With Laws</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company has complied with the Laws applicable to it in all material respects.  None of the Group Companies nor, to any Group Company's knowledge, any director, officer, member, manager or other controlling person thereof has engaged in any fraud, embezzlement, malfeasance, gross mismanagement or misappropriation of funds, willful misconduct or any similar activities, and no allegations of any of the foregoing or charges in respect of the foregoing have been made, brought against or threatened in writing against any Group Company or, to any Group Company's knowledge, any director, officer, member, manager or other controlling person thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.10</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Review</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> Each Group Company has discussed and reviewed this Agreement and the Guarantee with its representative accountants, independent auditors and counsel to the extent such Group Company deemed reasonably necessary.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.11</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Investment Company Act</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  None of the Group Companies is required to register as an &#34;investment company&#34; as defined in the Investment Company Act.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.12</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">No Brokers or Finders</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  None of the Group Companies has incurred or become liable for any broker's commission or finder's fee relating to the transactions contemplated by this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.13</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Company Provided Data</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The information delivered by the Group Companies (or the Investment Recipient on behalf of the other Group Companies) to the Arranger in respect of Reference Cohorts, historical performance and other relevant areas as determined by the Arranger in its sole and reasonable discretion is, to the knowledge of each Group Company, true and correct in all material respects and does not omit to state a material fact necessary in order to make the information contained therein not misleading.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.14</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Invested Receivables</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The Investment Recipient and&#47;or the IM8 Guarantor is the legal owner of each related Invested Receivable free and clear of any Lien, subject to Permitted Liens.  The Group Companies have not authorized the filing of and are not aware of any financing statements (or, with respect to a Group Company that is not organized in the U.S., an equivalent instrument required to achieve perfection of a Lien) filed against any of them that include a description of collateral covering such Invested Receivable other than any financing statement that has been terminated or amended to reflect the release of any security interest in such Invested Receivable except for in connection with Permitted Liens. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.15</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Anti-Corruption Laws &#38; Sanctions</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company has implemented and maintains in effect policies and procedures reasonably designed to ensure compliance by it and its directors, officers, employees and agents, when acting at the direction of or for the benefit of such Group Company, with Anti-Corruption Laws and applicable Sanctions.  </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 19 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Each Group Company and, to the knowledge of each Group Company, its respective officers, employees and directors are in compliance with Anti-Corruption Laws and applicable Sanctions.  None of the Group Companies nor any of their subsidiaries (including the Investment Recipient) have taken, paid, offered, promised, or authorized the payment of money or anything of value, directly or indirectly, to any Government Official for the purpose of&#58; (a) influencing any act or decision of such person in their official capacity&#59; (b) inducing such person to act (including through action or omission) in violation of the lawful duty of such person&#59; (c) securing any improper advantage&#59; or (d) inducing such person to use their influence to affect or influence any act or decision of a Government Entity, in order to assist any Group Company, any of its subsidiaries (including the Investment Recipient), or any other Person in obtaining or retaining business for or with, or directing business to, any Person.  None of the Group Companies, any of their subsidiaries nor, to the knowledge of any Group Company, any Affiliate of any of the foregoing, (a)&#160;is a Sanctioned Entity&#59; (b)&#160;to its knowledge is under investigation for an alleged breach of Sanction(s) by any Governmental Authority that enforces Sanctions&#59; (c)&#160;has, within the last five (5) years, engaged in a transaction or dealing, directly or indirectly, with or involving a Sanctioned Country or Sanctioned Entity that violated applicable Sanctions&#59; or (d)&#160;will fund any payment in connection with the Invested Receivables with proceeds derived from any transaction that would be prohibited by applicable Sanctions or would otherwise cause any Investor or the Arranger to be in breach of any applicable Sanctions.  The transactions contemplated by this Agreement will not violate Anti-Corruption Laws, Anti-Money Laundering Laws, or applicable Sanctions.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.16</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Insurance Policy</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The Group Companies shall maintain or cause to be maintained, with insurance companies that the Group Companies believe (in good faith judgment of the management of the Group Companies) are financially sound and reputable insurers at the time the relevant coverage is placed or renewed, insurance coverage with respect to liabilities, losses or damage in respect of the assets, properties and businesses of each Group Company and its subsidiaries as may customarily be carried or maintained under similar circumstances by Persons of established reputation engaged in similar businesses, in each case in such amounts (giving effect to self-insurance), with such deductibles, covering such risks and otherwise on such terms and conditions as shall be customary for such Persons.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4.17</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Regulatory Event.  </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">There exists no event which has or is reasonably likely to result in a Regulatory Event. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i4927e9192e8b4a259825c75a2574e64d"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">5.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:27pt">Covenants of Group Companies.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">From the Effective Date until the Termination Date, the Investment Recipient, and, where applicable, the other Group Companies, shall do all of the following&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Notice of Disputes, Breaches</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Together with all information delivered pursuant to </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5.8</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#160;below, the Investment Recipient and each other applicable Group Company shall provide written notice to the Arranger (i)&#160;of the occurrence of any dispute with a Customer who is a member of any Reference Cohort related to any Invested Receivable where the amount at risk exceeds the lesser of (x)&#160;&#91;***&#93;% of the Investment Amount for the applicable Open Reference Cohort or (y)&#160;$&#91;***&#93; in respect of any Invested Receivable, (ii)&#160;of the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 20 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">occurrence of any material breach by a Reference Cohort that may reasonably give rise to Customer failing to pay an amount due in excess of the lesser of (x)&#160;&#91;***&#93;% of the Investment Amount for the applicable Open Reference Cohort or (y)&#160;$&#91;***&#93; under any Invested Receivable, (iii)&#160;any Insolvency Proceeding with respect to any Reference Cohort for any Invested Receivable in excess of $&#91;***&#93;, or (iv)&#160;it becoming illegal or highly impracticable for a Reference Cohort to pay all or any part of the amount due in respect of the Invested Receivable.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Invested Receivables</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company, at its expense, shall timely and fully perform all terms, covenants and other provisions required to be performed by it under each agreement with its Reference Cohorts and for the enforcement of the related obligations thereunder and shall promptly notify the Arranger of any material breaches of any agreement with a Reference Cohort by any Group Company.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.3</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Existence</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company shall (i)&#160;comply in all material respects with all applicable laws, rules, regulations and orders and (ii)&#160;preserve and maintain its organizational existence, rights, franchises, required qualifications, and privileges, except in the case of (i)&#160;or (ii), as could not reasonably be expected to result in a Material Adverse Change.  Other than for a corporate reorganization or other valid corporate reason, each Group Company shall keep its state of organization as in effect on the date of this Agreement and principal place of business and chief executive office and the office where it keeps its records concerning the Invested Receivables at the address set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;12</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> hereof or, in each case, upon ten (10) Business Days' prior written notice to the Arranger, at any other locations in jurisdictions where all actions reasonably necessary to protect and maintain the Arranger's, on behalf of the applicable Investors, interest in the Invested Receivables have been taken and completed.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.4</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Books and Records</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company shall maintain accurate books and accounts with respect to the Invested Receivables.  Each Group Company shall maintain and implement administrative and operating procedures (including, without limitation, an ability to recreate records evidencing the Invested Receivables in the event of the destruction of the originals thereof), and keep and maintain all documents, books, records and other information reasonably necessary or advisable for collecting the Invested Receivables (including, without limitation, records adequate to permit the daily identification of the Invested Receivables and all collections of and adjustments to the existing Invested Receivables).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.5</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Ongoing Data Access</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company shall grant the Arranger continuous (at least daily) access to its internal systems (through an ETL or otherwise) that provide all underlying detailed data for Customers, Reference Cohorts (and the groups of Customers that would have constituted Reference Cohorts for each one-month period starting on January 1, 2020 through the last day of the month immediately prior to the Effective Date&#59; such group of Customers, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Historical Cohorts</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), Reference Income (including, for the avoidance of doubt, the amounts which would have constituted Reference Income of the Historical Cohorts in months prior to the Effective Date), calculation of Cohort Threshold Tests, Actual S&#38;M Spend and all other related information reasonably needed by the Arranger, on behalf of the applicable Investors.  None of the Group Companies shall make any personal information, as defined by any Data Protection Law applicable to them or any other information, accessible to </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 21 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">the Arranger in breach of applicable Data Protection Laws. The Group Companies shall notify the Arranger within five (5) Business Days after discovery of any such personal information made accessible to the Arranger in any Group Company's system in breach of applicable Data Protection Laws.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.6</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Sales and Liens&#59; Indebtedness&#59; Grant of Security Interest</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">None of the Group Companies shall sell, assign (by operation of law or otherwise) or otherwise dispose of, or create or suffer to exist any Lien, encumbrance or security interest upon or with respect to, any Invested Receivable, except for Permitted Liens.  Other than this Agreement, none of the Group Companies will accept any investment in the Invested Receivables that entitles the applicable investor to receive a return directly or indirectly based on the collections of the Invested Receivables.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">None of the Group Companies shall create, incur, assume, suffer to exist or otherwise become liable for any Indebtedness unless (x) subject to an intercreditor or subordination agreement in form and substance reasonably satisfactory to and approved in writing by the Arranger or (y) such Indebtedness arises from any loan, extension of credit or similar arrangement (collectively, &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Intercompany Loans</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) (i) between the IM8 Guarantor and the Prenetics Guarantor to the extent such Intercompany Loan does not use the proceeds of the Investment Amounts provided hereunder or proceeds from the Invested Receivables, (ii) between the Prenetics Guarantor and Prenetics Global Limited to the extent such Intercompany Loan does not use the proceeds of the Investment Amounts provided hereunder or proceeds from the Invested Receivables, (iii) from the IM8 Guarantor or the Prenetics Guarantor to the Investment Recipient, or (iv) from the Investment Recipient to the IM8 Guarantor, provided that the IM8 Guarantor shall not use the proceeds of such Intercompany Loan to make Intercompany Loans to other Affiliates.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">Immediately upon the occurrence of a Springing Lien Event (a) each of the Group Companies shall be deemed without any further action to grant to the Arranger, to secure the payment and performance in full of all of the Invested Receivables and all other amounts owed to the Investors and the Arranger hereunder, a continuing security interest in, and pledge to the Arranger of the Springing Collateral, and (b) at the Arranger's discretion, the Arranger may take any steps deemed necessary by the Arranger in its reasonable determination to perfect and protect its Lien on the Springing Collateral, including without limitation, the filing of UCC financing statements, registration statements and such other instruments and documents required to perfect and protect the Arranger's Lien on the Springing Collateral&#59; it being understood and agreed that the Arranger will not file any UCC financing statements, registration statements or such other instruments or documents until after the occurrence of a Springing Lien Event.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.7</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Extension or Amendment of Invested Receivables</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  None of the Group Companies shall materially extend the payment terms under any Invested Receivable, materially amend any Invested Receivable or otherwise waive or permit or agree to any material deviation from the terms or conditions of any Invested Receivable in excess of the lesser of (x)&#160;&#91;***&#93;% of the Investment Amount for the applicable Open Reference Cohort or (y)&#160;$&#91;***&#93; unless, in each </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 22 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">case (i)&#160;the Arranger, on behalf of the applicable Investors, shall have provided its prior written consent thereto, (ii)&#160;such alteration, amendment, deviation or waiver does not result in a change to the investment return or (iii)&#160;the Group Companies shall have offered the Arranger, on behalf of the applicable Investors, such other financial accommodation that is acceptable to the Arranger in its sole discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.8</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Reporting and Notice Requirements</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">On or before the 45th day following the end of each calendar month, for the reporting period ending on the last day of such month, the Investment Recipient shall provide the Arranger with the Prenetics Group's consolidated unaudited management accounts, and any other key unaudited operating financial metrics tracked by Prenetics Global Limited and requested by the Arranger, the form of such report to be agreed prior to the Effective Date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">On or before the 30th day following the end of each calendar month, for the reporting period ending on the last day of such month, the Investment Recipient shall provide the Arranger with &#34;flash&#34; financials of the Investment Recipient and IM8 Guarantor (which financials shall include Investment Recipient&#8217;s and IM8 Guarantor's balance sheet as of the end of such calendar month, income statement for such calendar month, and revenue and Cash collections from such calendar month).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">No more than thirty (30) days after completion and signing of the applicable audit, the Investment Recipient shall provide the Arranger with the Prenetics Group's consolidated annual audited financial statements&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, if such consolidated annual audited financial statements are not available within one hundred twenty (120)&#160;days after the end of the Prenetics Group's fiscal year, (i) the Investment Recipient shall provide the Arranger with a written explanation regarding such unavailability and the Prenetics Group's consolidated annual unaudited financial statements and (ii) the Investment Recipient shall provide the Arranger with the Prenetics Group's consolidated annual audited financial statements promptly upon such statements becoming available.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">On or before the 30</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> day following the end of each calendar month, the Investment Recipient shall provide the Arranger with a calculation of the Cohort Threshold Test for each Open Reference Cohort.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">Each Group Company represents and warrants that it will take reasonable measures to ensure that no information is revealed, transmitted, or made available to the Arranger that is deemed &#34;personal information&#34; (or equivalent) in breach of any Data Protection Law applicable to such Group Company or the information in question.  Insofar as any Group Company reveals, transmits, or makes available to the Arranger any personal information, each Group Company agrees to, jointly and severally, indemnify the Arranger (together with its affiliates, officers, directors, agents, representatives, shareholders, counsel and employees) from and against any and all claims, losses and liabilities (including, without limitation, reasonable and documented attorneys' fees) resulting from breach of data protection </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 23 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">and data security laws or regulations with respect to that personal information, other than for breaches resulting from the Arranger's actions or omissions.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(f)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:24.03pt">As soon as reasonably practicable following the Arranger's written request (and in no event later than thirty (30) days thereafter), the Group Companies shall provide to the Arranger such other information regarding their business, financial condition, operations and such other matters as the Arranger may reasonably request.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(g)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">Substantially concurrently with the distribution thereof, the Group Companies shall provide to the Arranger copies of all materials, meeting invitations, business information, corporate presentations and &#34;decks,&#34; financial reports and other documents and information which any Group Company provides to any of its equity holders or financing providers&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> if any Group Company is restricted by applicable Law or existing contractual obligations from providing any such information, such Group Company shall provide notice and explanation of why the same were not provided, together with a reasonably detailed summary of such omitted information (to the extent practicable and permitted by such applicable Laws or contractual restrictions)&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">further</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> distribution to the Arranger, as required by this paragraph, shall be deemed to have been made if the applicable materials are posted on such Group Company's website or filed with the U.S. Securities and Exchange Commission.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(h)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">On or before the date that is two (2) Business Days prior to any Disbursement Date, the Investment Recipient shall complete and deliver to the Arranger a S&#38;M Period Funds Flow (&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">S&#38;M Period Funds Flow</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) substantially in the form of </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit C</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> hereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:24.69pt">If applicable, on the Effective Date and thereafter, within seven (7)&#160;days upon the incurrence thereof (and in no event later than the date of the Disbursement Date Report following the incurrence thereof), each Group Company shall disclose to the Arranger (in writing in reasonable detail) any financing arrangements and other indebtedness (including without limitation letters of credit, interest rate and currency hedging, swap and cap agreements, capital lease obligations, deferred purchase price obligations, guarantees and other contingent obligations, and other indebtedness), whether or not relating to the Invested Receivables, which (i)&#160;is in an aggregate amount in excess of $10,000,000, (ii)&#160;contains any financial covenants or limitations on Liens or indebtedness of such Group Company and&#47;or (iii) contains any &#34;most favored nation,&#34; cross-default or cross-acceleration provisions in respect of this Agreement or any other indebtedness of such Group Company.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(j)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:24.69pt">Substantially concurrently with the distribution thereof, each Group Company shall provide to the Arranger copies of all financial reports, compliance certificates, covenant calculations, and other statements or certificates made available or delivered to lenders under any Senior Loan Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(k)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">The Investment Recipient shall notify the Arranger promptly, but in any event no later than three (3) Business Days, after the Investment Recipient receives a notice or becomes aware of a Senior Loan Default, any other similar notice, or any other written communications with respect to any Senior Loan Default, in each case, under the Senior Loan </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 24 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Agreement and shall provide the Arranger with copies of such notice or written communication in connection therewith.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(l)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:24.69pt">Each Group Company shall deliver to the Arranger copies of any amendments or waivers in relation to the Senior Loan Agreement no later than three (3) Business Days after such Group Company receives or enters into such amendments or waivers.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:108pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(m)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:18.69pt">Each Group Company shall notify the Arranger at least ten (10) Business Days in advance of entering into agreements with any Senior Lender which would trigger the occurrence of a Springing Lien Event. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.9</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Taxes</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company will pay any and all (i)&#160;taxes relating to, or arising out of the investment in the performance of the Invested Receivables (including applicable gross-up for any withholding taxes) and (ii)&#160;any taxes in the nature of net income or franchise taxes payable in connection with the Invested Receivables.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.10</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Not Adversely Affect Investors' Rights</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company shall refrain from any act or omission that, in its reasonable judgment, is likely to prejudice or limit in any material respect any Investor's ability to receive its share of any Reference Income.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.11</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Compliance with Laws</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company shall comply with all Laws applicable to it in all material respects.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.12</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Further Assurances</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company shall, at its expense, promptly execute and deliver all further instruments and documents, and take all further action that the Arranger may reasonably request, from time to time, and to the extent not inconsistent with the terms hereof, in order to protect or more fully evidence any investment in the Invested Receivables, or to enable the Arranger to exercise or enforce its rights on behalf of the Investors to receive the investment return in respect of the Invested Receivables.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.13</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Sanctions</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  None of the Group Companies, nor any Person directly or indirectly Controlling any Group Company, and no Person directly or indirectly Controlled by any Group Company (including the Investment Recipient), and no other Affiliate of any of the foregoing, in each case directly or indirectly, shall use any portion of any Investment Amount paid hereunder, or lend, contribute, or otherwise make available any portion of any Investment Amount paid hereunder to any subsidiary, joint venture partner, or other Person (i)&#160;to fund any activities or business of or with a Sanctioned Entity (with respect to sectoral sanctions, to the extent prohibited by applicable Sanctions), or (ii)&#160;in any manner that would be prohibited by applicable Sanctions or would otherwise cause the Arranger or any Investor to be in breach of any applicable Sanctions.  Each Group Company shall comply with all applicable Anti-Corruption Laws and Sanctions in all material respects, and shall maintain policies and procedures reasonably designed to ensure compliance with Sanctions.  Each Group Company will not, and will not permit any Person directly or indirectly Controlled by such Group Company (including the Investment Recipient) to (a) (i) become a Sanctioned Entity (including by virtue of being owned or controlled by a Sanctioned Entity) or own or control a Sanctioned Entity, or (ii) engage in any dealing or transaction with any Person if such dealing or transaction </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 25 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">would be in breach of Sanctions or would cause such Group Company, any Person Controlled by such Group Company (including the Investment Recipient), the Arranger or any Investor to be in breach of Sanctions or (b) could expose any of the foregoing to a risk of designation under any Sanctions.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.14</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Anti-Corruption Laws and Anti-Money Laundering Laws</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company, each Person directly or indirectly Controlling each Group Company, and each Person directly or indirectly Controlled by any Group Company (including the Investment Recipient) shall, (i)&#160;comply with all applicable Anti-Money Laundering Laws and Anti-Corruption Laws&#59; (ii)&#160;maintain policies and procedures reasonably designed to ensure compliance with all applicable Anti-Money Laundering Laws and Anti-Corruption Laws&#59; (iii)&#160;not use any portion of any Investment Amount paid hereunder in violation of any Anti-Corruption Laws or Anti-Money Laundering Laws&#59; and (iv) not take, pay, offer, promise, or authorize the payment of money or anything of value, directly or indirectly, to any Government Official for the purpose of&#58; (a) influencing any act or decision of such person in their official capacity&#59; (b) inducing such person to act (including through action or omission) in violation of the lawful duty of such person&#59; (c) securing any improper advantage&#59; or (d) inducing such person to use their influence to affect or influence any act or decision of a Government Entity, in order to assist such Group Company, any of its subsidiaries (including the Investment Recipient), or any other Person in obtaining or retaining business for or with, or directing business to, any Person.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.15</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Examination and Visits</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company shall, upon the Arranger's reasonable request, at the Arranger's reasonable expense, during regular business hours, permit the Arranger, or its agents or representatives, upon reasonable prior notice of at least ten (10) Business Days, (i)&#160;on a confidential basis, to examine all books, records and documents (including, without limitation, computer tapes and disks) in its possession or under its control relating to each Invested Receivable and (ii) not more than one (1) time annually to visit its offices and properties for the purpose of examining such materials described in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">clause (i)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#160;above, and to discuss matters relating to each Invested Receivable or such Group Company's performance hereunder with any of its officers or employees having knowledge of such matters.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.16</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Accuracy of Information</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  All information furnished by any Group Company to the Arranger hereunder will be true, correct and accurate in all material respects to the knowledge of such Group Company, on the date such information is provided, stated or certified and will not contain any material misstatement of fact or omit to state a material fact or any fact necessary to make the statements contained therein not misleading.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.17</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Anti-Cash Hoarding</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">To the extent any Group Company or any Affiliate of any Group Company receives (or is entitled to receive) any Reference Income which constitutes the Investor Sharing Percentage or any other amounts payable to the Arranger, on behalf of the applicable Investors, hereunder, such Group Company shall distribute or otherwise transfer, or such Group Company shall cause such Affiliate to distribute or otherwise transfer, such amounts to the Investment Recipient when payment is due pursuant to this Agreement and the applicable Investment Request prior to any payments being made pursuant to this Agreement </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 26 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">and the applicable Investment Request, such amount to be added to the S&#38;M Period Funds Flow for such S&#38;M Period and further paid over to the Arranger as and when such amounts are required to be paid to the Arranger, on behalf of the applicable Investors, under this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.18</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">VCOC Management Rights</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The Arranger shall be entitled to those certain rights constituting &#34;management rights&#34; (within the meaning of the United States Department of Labor Regulation published at 29&#160;C.F.R. 2510.3-101) (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Plan Asset Regulation</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) to be a venture capital operating company (a &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">VCOC</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) as defined in the Plan Asset Regulation, as amended, in furtherance of its VCOC-related compliance efforts, those agreed rights listed in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit D</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, and each Group Company shall perform its obligations listed in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit D</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The Arranger agrees that it will, and will cause each of its representatives to, keep confidential, not disclose and not use for any other purpose unrelated to the qualification of the Arranger as a VCOC any confidential information obtained or learned pursuant to the terms of this Section 5.18 and </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit D</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Notwithstanding anything contained herein, no Group Company shall be obligated to provide, and the Arranger may be excluded from access to, any materials or information to the extent that such Group Company determines in good faith that such exclusion is reasonably necessary to preserve attorney-client privilege, to protect highly confidential information or to prevent the disclosure of trade secrets. The confidentiality provisions set forth above shall survive termination of this Agreement.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.19</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Sale of Company</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The Group Companies shall use commercially reasonable efforts to provide the Arranger at least five (5) Business Days' prior written notice of a Sale of Company.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5.20</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Change in Name, Form or Jurisdiction of Organization</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  To the extent a Springing Lien Event has occurred with respect to a Group Company, the related Group Company shall not make (i) any change to its name (within the meaning of Section 9-507(c) of any applicable enactment of the UCC) indicated on its certificate of organization or certificate of incorporation (or equivalent organizational document), (ii) change its form of organization or its jurisdiction of organization, unless, in either case, prior to the effective date of such change, it delivers to the Arranger for its approval such proposed financing statements or amendments to financing statements (Form UCC-1 or Form UCC-3, respectively) to reflect such name change or change in form or jurisdiction of organization or (iii) any change to its name, registered number, jurisdiction of incorporation, its legal form or take any other action which could adversely affect the validity, enforcement, perfection or priority of any Lien.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i2bfcf10982a24c92903508a3c12c4016"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">6.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:27pt">Administration of Invested Receivables.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">6.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Invested Receivables</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company shall administer and service the Invested Receivables and perform all obligations as servicer and all commercially reasonable, customary and appropriate commercial collection activities in arranging the timely payment of amounts due and owing by any Customer all in accordance with applicable Laws, with commercially reasonable care and diligence, including, without limitation, diligently and faithfully performing all servicing and collection actions.  In connection with its servicing obligations, each Group Company shall perform its obligations and exercise its rights under each Invested Receivable with the same care and applying the same policies as it applies to </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 27 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">receivables similar to the Invested Receivables generally as if the Investors had not invested in such Invested Receivables and shall act in a commercially reasonable manner to maximize collections on the Invested Receivables.  Each Group Company may perform any and all of its duties and exercise its rights and powers as servicer by or through any one or more agents appointed by it, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">notwithstanding the appointment of any such agents, each Group Company shall remain liable for the performance of the obligations in this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;6</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">6.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Terms of Service</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company shall engage in commercially reasonable customer service, promotional and marketing activities with respect to Customers constituting part of any Reference Cohort under all existing and future receivables, which customer service, promotional and marketing activities are, to the extent applicable, consistent with those customer service, promotional and marketing activities engaged in by such Group Company with Customers under similar receivables and future receivables of such Group Company for which the Investors have not invested in the performance thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ie1065664b26e4412b5de10eb3b9bbdac"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">7.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:27pt">Indemnities and Set-Off.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">7.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">General Indemnification</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company agrees to, jointly and severally, indemnify the Arranger and the Investors (together with their respective Affiliates, officers, directors, agents, representatives, shareholders, counsel and employees, each, an &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Indemnified Party</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) from and against any and all claims, losses and liabilities (including, without limitation, reasonable and documented attorneys' fees of one (1) counsel) arising out of or resulting from a &#91;***&#93; for which the Investment Recipient did not request the Arranger's prior consent or any Cancellation Event.  The foregoing indemnification shall not apply in the case of any claims, losses or liabilities to the extent resulting solely from the gross negligence, bad faith, fraud or willful misconduct of an Indemnified Party.  The Investment Recipient will have the right at any time to conduct and control the defense of, negotiate, settle or otherwise control any claims pursuant to this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;7.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> and to select counsel of reasonable experience and expertise in the relevant area(s) of law implicated by such claims&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">however</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> if the defendants in any such action include any Group Company and the Arranger and the Indemnified Parties shall have reasonably concluded that there may be legal defenses available to it or them and&#47;or other Indemnified Parties that are different from or additional to those available to the Investment Recipient such that joint representation of the parties would create an ethical conflict of interest for counsel, the Indemnified Party or parties shall have the right to elect for the Indemnified Parties to be represented by one (1) separate counsel to assert such legal defenses and to otherwise participate in the defense of such action on behalf of such Indemnified Party or parties.  Each Group Company agrees that it shall not, without the consent of the Indemnified Party, effect any settlement of any pending or threatened proceeding in respect of which any Indemnified Party is or could reasonably have been a party and indemnity could reasonably have been sought hereunder by such Indemnified Party, unless such settlement includes an unconditional release of such Indemnified Party from all liability on claims that are the subject matter of such proceeding and does not include a statement as to or an admission of fault, culpability or a failure to act by or on behalf of such Indemnified Party.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">7.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Tax Indemnification</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Each Group Company will jointly and severally indemnify the Arranger and the Investors for (i)&#160;any taxes withheld or deducted from payments </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 28 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">on an Invested Receivable whether by the related Customer or by any Group Company, (ii)&#160;any taxes payable by such Group Company pursuant to </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;4.7</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> or </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section&#160;10</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement and (iii)&#160;costs, expenses and reasonable and documented fees of counsel selected by Arranger in defending against the same, whether arising by reason of the acts to be performed by any Group Company hereunder or otherwise, in each case, other than Excluded Taxes. For purposes of this Section 7.2, the references to &#34;tax&#8221; or &#34;taxes&#34; shall include any interest, additions to tax or penalties applicable thereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="idb58c103759e4fbd97a7df65bc1e5b87"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">8.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:27pt">Retained Obligations</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">.  Neither the Arranger nor any Investor shall have any responsibility for, or have any liability with respect to, the performance of the Invested Receivables.  All obligations of the Group Companies</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">under each Invested Receivable and Customer Agreement, including all representations and warranty obligations, all servicing obligations and all maintenance obligations, shall be retained by the Group Companies (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%">Retained Obligations</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">&#34;).  Neither any claim that any Group Company</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">may have against any Reference Cohort or any other Person, nor the failure of any Reference Cohort to fulfill its obligations under the related Invested Receivable, shall affect the obligations of such Group Company</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">to perform its obligations and make payments required to be made by such Group Company hereunder or under the Guarantee, and none of such events or circumstances shall be used as a defense or as set-off, counterclaim or cross-complaint as against the performance or payment of any of such Group Company's obligations hereunder or under the Guarantee.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="idd3256423be34d8290c45e497560adb7"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">9.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:27pt">Costs and Expenses&#59; Default Rate</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">.  Any fees, expenses or other amounts payable by any Group Company to the Arranger or the Investors in connection with this Agreement or the Guarantee (other than, in each case, any legal, accounting, tax or consultant fees and&#47;or expenses) shall bear interest each day from the date following the date due therefor, until paid in full at the Default Rate, whether before or after judgment.  Fees are deemed payable on the date or dates set forth herein&#59; expenses, indemnity, or other amounts payable by any Group Company to the Arranger or the Investors are due five (5) Business Days after receipt by such Group Company of written demand thereof.  All interest amounts calculated under this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:underline">Section&#160;9</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"> on a per annum basis shall be calculated on the basis of a year of three hundred sixty (360) days consisting of twelve (12) 30-day months.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i5d0e3016dee645b78c951fcf7decab77"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">10.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:21pt">General Payments</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">.  All amounts payable by any Group Company to the Arranger, on behalf of the applicable Investors, under this Agreement shall be paid in full, free and clear of all deductions, set-off or withholdings whatsoever except only as may be required by Law, and shall be paid on the date such amount is due to the Arranger, on behalf of the applicable Investors.  If any deduction or withholding is required by Law (other than Excluded Taxes), the Group Companies shall pay to the Arranger, on behalf of the applicable Investors, such additional amount as necessary to ensure that the net amount actually received by the Arranger, on behalf of the applicable Investors, equals to the full amount the Arranger, on behalf of the applicable Investors, should have received had no such deduction or withholding been required.  All payments to be made or due hereunder shall be in United States dollars, including, but not limited to, Reference Income and Investment Amount.  Any amounts that would fall due for payment on a day other than a Business Day shall be payable on the succeeding Business Day.  All interest amounts calculated on a per annum basis hereunder are calculated on the basis of a year of three hundred sixty (360) days consisting of twelve (12) 30-day months.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="id19c18c59bbc4e62b67052cd80c11fb1"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">11.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:21pt">Tax and Accounting Treatment</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">.  Each Group Company and the Arranger, and each applicable Investor, shall treat each Investment Amount as debt for tax and accounting purposes and shall not report on any applicable tax return or financial statement in a manner that is inconsistent with such treatment.  Further, this Agreement and any Investment Amount shall not be treated as creating a partnership (for tax purposes or otherwise) between any Group </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 29 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">Company and the Arranger or any applicable Investor.  Each Group Company shall make all disclosures required by applicable law or regulation with respect to the Investors' investment in the performance of the Invested Receivables and account for such investment in accordance with IFRS.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i6fed1f9ff7af4771b5f2d2e24111daf6"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">12.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:21pt">Notices</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">.  Unless otherwise provided herein, any notice, request or other communication which the Arranger or any Group Company may be required or may desire to give to the other party under any provision of this Agreement shall be in writing and sent by e-mail, hand delivery, courier or first class mail, or certified or registered mail and postage prepaid, and shall be deemed to have been given or made when transmitted (i)&#160;if delivered by e-mail, after receipt of an electronic receipt from the recipient's e-mail system or confirmation or acknowledgment of receipt by the recipient, (ii)&#160;if delivered by hand, after actual receipt and (iii)&#160;if delivered by courier or certified or registered mail, after receipt of a delivery confirmation, and in each case addressed to the Arranger, any Guarantor or the Investment Recipient as set forth below.  Any party hereto may change the address to which all notices, requests and other communications are to be sent to it by giving written notice of such address change to the other parties in conformity with this paragraph, but such change shall not be effective until notice of such change has been received by the other parties.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">If to the Investment Recipient or any Guarantor (other than the Prenetics Guarantor or the IM8 Guarantor)&#58;</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">IM8 (US) LLC</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">c&#47;o Prenetics Limited</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Unit 703-706, K11 Atelier</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">728 King&#8217;s Road, Quarry Bay</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Hong Kong</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Email&#58; &#91;***&#93;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">If to the Prenetics Guarantor or the IM8 Guarantor, as applicable&#58;</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Prenetics Limited</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Unit 703-706, K11 Atelier</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">728 King&#8217;s Road, Quarry Bay</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Hong Kong</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Email&#58; &#91;***&#93;</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">and</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">IM8 Limited</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">c&#47;o Prenetics Limited</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Unit 703-706, K11 Atelier</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">728 King&#8217;s Road, Quarry Bay</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Hong Kong</font></div><div style="margin-bottom:12pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Email&#58; &#91;***&#93;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">If to the Arranger&#58;</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">GC Customer Value Arranger, LLC</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 30 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#91;***&#93;<br>Email&#58; &#91;***&#93;</font></div><div style="padding-left:72pt"><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Each Group Company agrees that the Arranger may presume the authenticity, genuineness, accuracy, completeness and due execution of any email or fax communication bearing a facsimile or scanned signature resembling a signature of an authorized Person of any Group Company without further verification or inquiry by the Arranger.  Notwithstanding the foregoing, the Arranger in its sole discretion may elect not to act or rely upon such a communication and shall be entitled (but not obligated) to make inquiries or require further action by any Group Company to authenticate any such communication.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i1ce42a428a2a4600b92fa98e5925fa7d"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">13.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:21pt">Survival</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">.  All covenants, representations and warranties made herein shall continue in full force and effect until the Termination Date&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">, each Group Company's</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">obligations to indemnify the Indemnified Parties pursuant to </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:underline">Section&#160;7</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"> and </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:underline">Section 9</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"> hereof shall survive until the third (3</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7.8pt;font-weight:400;line-height:100%;position:relative;top:-4.2pt;vertical-align:baseline">rd</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">) anniversary of the Termination Date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ib830963b3c244c89b6255f8a97b211b7"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">14.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:21pt">Governing Law&#59; Venue&#59; Waiver of Jury Trial&#59; etc.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">14.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">This Agreement shall be governed by the Laws of the State of New York, without giving effect to conflict of laws principles that would require the application of the Law of any other jurisdiction other than Sections 5-1401 and 5-1402 of the New York General Obligations Law.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">14.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Each of the parties hereto irrevocably and unconditionally submits, for itself and its property, to the nonexclusive jurisdiction of any federal court of the United States, or New York state court if required by Law, sitting in the Borough of Manhattan, New York City, and any appellate court from any thereof, in any action or proceeding arising out of or relating to this Agreement, or for recognition or enforcement of any judgment.  Each of the parties hereto hereby irrevocably and unconditionally agrees that all claims in respect of any such action or proceeding may be heard and determined in any such federal court or New York State court to the extent required by Law to be heard in such state court.  A final judgment in any such action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner provided by Law.  Each of the parties hereto irrevocably and unconditionally waives, to the fullest extent it may legally and effectively do so, any objection that it may now or hereafter have to the laying of venue of any suit, action or proceeding arising out of or relating to this Agreement in any federal court located in the Borough of Manhattan.  Each of the parties hereto hereby irrevocably waives, to the fullest extent permitted by Law, the defense of inconvenient forum to the maintenance of such action or proceeding in any such court.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">14.3</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">EACH PARTY HERETO IRREVOCABLY WAIVES ANY RIGHT THAT SUCH PERSON MAY HAVE TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING OUT OF ANY OF THE TRANSACTIONS CONTEMPLATED HEREIN, INCLUDING CONTRACT CLAIMS, TORT CLAIMS, BREACH OF DUTY CLAIMS AND ALL OTHER COMMON LAW OR STATUTORY CLAIMS.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 31 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">14.4</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Each non-U.S. Guarantor irrevocably and unconditionally appoints Cogency Global Inc., located at 122 East 42</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">nd</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> Street, 18</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> Floor, New York, New York 10168, as its process agent in New York to receive on its behalf service of process in any proceedings in New York. If for any reason such process agent ceases to act or no longer has an address in New York, such Guarantor shall promptly appoint a substitute process agent approved by the Arranger and notify the Arranger of such appointment.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i1978a6ded59d4aeda89d313e47f1de61"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">15.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:21pt">Fees and Expenses</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">.  The Investment Recipient shall pay (i)&#160;all reasonable and documented out-of-pocket expenses, including but not limited to legal and accounting fees, incurred by the Arranger in connection with the preparation, execution, delivery and administration of this Agreement, the Guarantee, the other Program Documents and related documentation, including in connection with any amendments, modifications or waivers of the provisions of any Program Documents (whether or not the transactions contemplated thereby shall be consummated, but only to the extent such amendments, modifications or waivers were requested by any Group Company to be prepared)&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%">provided that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"> any of the above fees and expenses to be paid by the Investment Recipient in connection with the preparation, execution and delivery of this Agreement, the Guarantee, the other Program Documents and related documentation on or prior to the Effective Date shall be paid on the Effective Date and there shall be a $&#91;***&#93; cap on the Arranger's fees and expenses that the Investment Recipient shall be responsible for reimbursing on the Effective Date and (ii)&#160;all reasonable and documented out-of-pocket expenses incurred by the Arranger in connection with the enforcement, collection or protection of its rights in connection with the Program Documents, including its rights under this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:underline">Section&#160;15</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">, or in connection with the investments made hereunder.  Other than to the extent required to be paid on the Effective Date, all amounts due under this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:underline">Section&#160;15</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"> shall be payable by the Investment Recipient within thirty (30) days of receipt of an invoice relating thereto, setting forth such expenses in reasonable detail and together with backup documentation supporting such reimbursement requests (or as otherwise agreed by the Investment Recipient).</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="ia4efb2c86a9d4c1b8660974e7a839787"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">16.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:21pt">Dispute Resolution</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">.  In the Arranger's sole discretion, any controversy or claim arising out of or relating to this contract, or the breach thereof, may be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i0d0e031de4d44324952a24156267eed9"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">17.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:21pt">General Provisions.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">17.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">This Agreement represents the final agreement of the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous understandings and agreements with respect to such subject matter.  No provision of this Agreement may be amended or waived except by a writing signed by the parties hereto, including PDF signatures attached to an email or by any other electronic signature method (including, without limitation, DocuSign and AdobeSign), and such PDF or other electronic record will, for all purposes, be deemed to be the original signature of each party whose signature it reproduces, and will be binding upon such party.  Notwithstanding the foregoing, the Schedule of Investments may be updated by the Arranger and the Investment Recipient at the time of execution of each Investment Request and the signatures to each such Investment Request shall constitute written consent of each party for each such update.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">17.2</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">This Agreement shall bind and inure to the benefit of the respective successors and permitted assigns of each of the parties&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">however</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> none of the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 32 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Group Companies may assign any rights hereunder without the Arranger's prior written consent, given or withheld in the Arranger's sole discretion&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">further</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> the Arranger may assign this Agreement, so long as the Arranger remains the sole counterparty to this Agreement for purposes of all rights and obligations hereunder, (i)&#160;to any of its Controlled Investment Affiliates at any time without the prior written consent of any Group Company and (ii)&#160;to any other party with the written consent of the Investment Recipient (such consent not to be unreasonably withheld, conditioned or delayed).  The assignment of rights and obligations of any Investor hereunder may be assigned (and shall be deemed assigned for purposes of this Agreement) by delivery of an amended </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> to the relevant Investment Request.  Following each such assignment, the Arranger shall deliver an updated </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule C</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> the failure to deliver an updated </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule C</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> shall not affect the validity of any assignment.  Each Investor shall be an intended third party beneficiary of the Agreement entitled to enforce the Agreement as though it were a party hereto.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">17.3</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Each provision of this Agreement shall be severable from every other provision hereof for the purpose of determining the legal enforceability of any specific provision.  This Agreement may be executed in any number of counterparts and by different parties on separate counterparts, each of which, when executed and delivered, shall be deemed to be an original, and all of which, when taken together, shall constitute but one and the same agreement.  Each party agrees that this Agreement and any other documents to be delivered in connection herewith may be electronically signed, and that any electronic signatures appearing on this Agreement or such other documents are the same as handwritten signatures for the purposes of validity, enforceability, and admissibility.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">17.4</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">It is understood and agreed that money damages would not be a sufficient remedy for any breach or threatened breach of this Agreement by any Group Company and that the Arranger and the Investors shall be entitled to seek specific performance and injunctive or other equitable relief as a remedy for any such breach or threatened breach to the extent permitted by Law.  In the event that such equitable relief is granted, such remedy or remedies shall not be deemed to be the exclusive remedy or remedies for breach or threatened breach of this Agreement but shall be in addition to all other remedies available to the Arranger and the Investors at law or equity.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font id="i3ba1ad7c2bd448d698cd4f7fd91d8a3c"></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">18.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:21pt">Confidentiality</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">.  The Arranger agrees to maintain the confidentiality of any Confidential Information (as defined below) received from any Group Company and shall not disclose such Confidential Information to any third party except (a)&#160;as set forth in this Agreement, (b)&#160;to any employee, contractor, officer, director or agent who has a need to know such information, (c) to any existing or potential investor in, acquiror of, or lender or other financing source to, the receiving party in connection with such investor, acquiror lender or other financing source's existing or potential investment in, acquisition of or providing financing to the receiving party, so long as such investor, acquiror, lender or other financing source is bound by a written confidentiality agreement that covers such Confidential Information or (d)&#160;to members, managers, partners, affiliates, consultants, legal, financial and other advisors, representatives, and others who, in each case, agree to be bound by at least the same confidentiality undertakings as those set forth herein with respect to such Confidential Information.  &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%">Confidential Information</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">&#34; shall mean information of a party that is clearly identified as being &#34;Confidential Information&#34; or which a reasonable person would understand to be confidential, proprietary and&#47;or non-public.  &#34;Confidential Information&#34; shall not include any information that (i)&#160;is part of the </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 33 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%">public domain without any breach of this Agreement by the receiving party&#59; (ii)&#160;is or becomes generally known to the general public or organizations engaged in the same or similar businesses as the receiving party on a non-confidential basis, through no wrongful act of such party&#59; (iii)&#160;is known by the receiving party prior to disclosure to it hereunder without any obligation to keep it confidential&#59; (iv)&#160;is disclosed to it by a third party which, to the best of the receiving party's knowledge, is not required to maintain the information as proprietary or confidential&#59; (v)&#160;is independently developed by the receiving party without reference to Confidential Information of the other party&#59; or (vi)&#160;is the subject of a written agreement whereby the other party consents to the disclosure of such Confidential Information on a non-confidential basis.  The Arranger may disclose Confidential Information, without the consent of any Group Company, if such party becomes legally compelled (by applicable law, rule, regulation, oral questions, interrogatories, request for information or documents, subpoena, civil investigative demand or similar process) to disclose any of the Confidential Information </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:100%">provided that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"> the Arranger promptly notifies the Group Company of the demand for such a disclosure in order that the Group Company may undertake any available means to oppose such a disclosure that are in its discretion necessary and appropriate, and provided further that any resulting disclosure by the Arranger is strictly limited in scope and volume, as may be permissible.  The obligations under this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:underline">Section&#160;18</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:100%"> shall terminate on the date which is seven (7) years from the date of the termination of this Agreement, except that with respect to any Confidential Information which is a trade secret, such obligations shall continue until such trade secret is no longer Confidential Information, if ever.  The Arranger shall require that its employees, contractors, officers, directors and agents enter into confidentiality agreements which prevent the further disclosure of any Group Company's Confidential Information except in furtherance of the transactions contemplated hereunder.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">- 34 -</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_10"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">IN WITNESS WHEREOF, each of the parties have caused this Agreement to be executed as of the date first above written.</font></div><div style="margin-bottom:18pt"><font><br></font></div><div style="margin-bottom:18pt;padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IM8 (US) LLC</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, as Investment Recipient</font></div><div style="margin-bottom:18pt;padding-left:242.65pt;text-indent:-26.65pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">By&#58;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58;  <br>Title&#58;    </font></div><div style="margin-bottom:18pt;padding-left:216pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 2.56pt;text-align:center;vertical-align:top"><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Customer Investment Agreement</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:18pt;padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">GC CUSTOMER VALUE ARRANGER, LLC</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, as Arranger</font></div><div style="margin-bottom:12pt;padding-left:216.05pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">By&#58;  General Catalyst Group Management LLC, its Manager</font></div><div style="margin-bottom:18pt;margin-top:12pt;padding-left:242.65pt;text-indent:-26.65pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">By&#58;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58;  <br>Title&#58;    </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 2.56pt;text-align:center;vertical-align:top"><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Customer Investment Agreement</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:18pt;padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">PRENETICS LIMITED</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, as a Guarantor</font></div><div style="margin-bottom:18pt;margin-top:12pt;padding-left:242.65pt;text-indent:-26.65pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">By&#58;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58;                                                                    Title&#58;</font></div><div style="margin-bottom:18pt;padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IM8 LIMITED</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, as a Guarantor</font></div><div style="margin-bottom:18pt;padding-left:242.65pt;text-indent:-26.65pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">By&#58;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58;  <br>Title&#58;    </font></div><div style="margin-bottom:18pt;margin-top:12pt;padding-left:242.65pt;text-indent:-26.65pt"><font><br></font></div><div style="margin-bottom:18pt;margin-top:12pt"><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 2.56pt;text-align:center;vertical-align:top"><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">Customer Investment Agreement</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_13"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">SCHEDULE A</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">SPECIFIED COMMERCIAL TERMS</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Defined Terms</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Definitions</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Capitalized terms used but not defined in this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> shall have the meanings set forth in the Agreement&#58;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Cohort Threshold Test</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means a test that shall be satisfied for any Tested Cohort so long as all of the following conditions are met&#58;</font></div><div style="margin-top:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">for such Tested Cohort, an amount (expressed as a percentage) equal to the aggregate Reference Income earned across all Customers of such Tested Cohort during the first two (2) full S&#38;M Periods starting with (and including) the S&#38;M Period in which such Tested Cohort was originated (measured cumulatively), divided by the Actual S&#38;M Spend for the S&#38;M Period in which such Tested Cohort was originated shall be equal to or greater than &#91;***&#93;% (&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Threshold M1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;)&#59;</font></div><div style="padding-left:72pt;text-align:justify"><font><br></font></div><div style="text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">for such Tested Cohort,&#160;an amount (expressed as a&#160;percentage) equal to the aggregate Reference Income earned across all Customers of such Tested&#160;Cohort during&#160;the first four (4) full S&#38;M Periods starting with (and including) the S&#38;M Period in which such Tested Cohort was originated (measured cumulatively),&#160;divided by the Actual S&#38;M Spend&#160;for the S&#38;M Period in which such Tested Cohort was originated&#160;shall be equal to or greater than &#91;***&#93;% (&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Threshold M3</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;)&#59; and</font></div><div style="padding-left:36pt;text-align:justify"><font><br></font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">for such Tested Cohort,&#160;and any block of three&#160;consecutive S&#38;M Periods starting with the block that runs from (and including) the fourth (4</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">) S&#38;M Period after the S&#38;M Period in which such Tested Cohort was originated, an amount (expressed as a&#160;percentage) equal to the aggregate Reference Income earned across all Customers of such Tested&#160;Cohort that was earned incrementally in any such three consecutive S&#38;M Period block, divided by the Actual&#160;S&#38;M Spend for the S&#38;M Period in which such Tested Cohort was originated&#160;shall be equal to or greater than &#91;***&#93;% (&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Threshold Delta M4-6+</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:6pt;margin-top:12.05pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Collections</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means total cash collected or earned by all Group Companies in respect of Customers associated with the Customers' subscription or membership payments (such collections or earnings represented by the &#34;amount&#34; payment amount and associated &#34;payment_date&#34; data fields in the dataset provided by each Group Company to the Arranger), but excluding cash collection or earned in respect of Customers whose &#34;order_status&#34; data field in the dataset provided to the Arranger is not shown as &#34;paid.&#34;</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Commitment Period</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the period of time from the Effective Date through and including August 11, 2028&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, the Commitment Period may be modified upon mutual written agreement of the Investment Recipient and the Arranger (which written agreement may be in email form)&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided further</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, the Commitment Period shall terminate if the Arranger elects to terminate it pursuant to </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> or </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Sch. A-1</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">the Investment Recipient elects to terminate it pursuant to </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  Promptly after nineteen (19) consecutive S&#38;M Periods have elapsed following the Effective Date, the Investment Recipient and the Arranger may mutually agree to extend the Commitment Period by nineteen (19) additional S&#38;M Periods (an &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Extension</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) and may mutually agree to additional Extensions thereafter, and each Extension is expected, but not required, to be accompanied by an increase to the Maximum Invested Amount, as mutually agreed by the parties. Following the effective date of any such Extension, the Commitment Period shall be automatically updated to give effect to such Extension and the Maximum Invested Amount shall be automatically updated to give effect to any related increase.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Commitment Termination Events</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Internal Rate of Return</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the rate of return, expressed as a percentage, obtained by running the XIRR function in Microsoft Excel, Google Sheets, or similar spreadsheet tool or computer program, with such function taking as inputs the cash disbursements&#47;collections and associated dates of such disbursements&#47;collections as described when such term is used in this Agreement.  For the avoidance of doubt, cash disbursements from the Arranger to the Investment Recipient shall be expressed as negative amounts and cash disbursements from the Investment Recipient to the Arranger shall be expressed as positive amounts in the calculation of such Internal Rate of Return.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Invested Receivable</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, collectively, an amount owed to any Group Company by a Reference Cohort, payment processor or other source expected to generate Reference Income.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investor Cap Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Reference Cohort, the lesser of (a) the Return Multiple Cap and (b) the IRR Cap&#59; provided that, on and after the date that is ten (10) years following the first day of the S&#38;M Period in which such Reference Cohort was originated, the Investor Cap Amount with respect to such Reference Cohort shall be zero.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investor Funding Percentage</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Reference Cohort for a S&#38;M Period, the quotient of (i)&#160;the applicable Investment Amount </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">divided by</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> (ii)&#160;the respective Expected S&#38;M Spend&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">however</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> in the case of a Spend Reconciliation or a True-Down Election, the Investor Funding Percentage may be revised pursuant to a Funding Adjustment&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided further, that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> the Investor Funding Percentage shall not exceed 0.70, unless otherwise agreed to in the related Investment Request in the Arranger's sole discretion.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investor Sharing Percentage</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Reference Cohort, a percentage equal to the Investor Funding Percentage&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">however</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> immediately in the event of a Cohort Threshold Breach with respect to such Reference Cohort, the Investor Sharing Percentage for such Reference Cohort shall be equal to 100%&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided further that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> following the Arranger's receipt of the True-Down Election and the True-Down Amount Refund with respect to such Reference Cohort, the Investor Sharing Percentage for such Reference Cohort shall be reduced to the Investor Funding Percentage in accordance with </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this Schedule A&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">further</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">the Investor Sharing Percentage shall be zero upon the earlier of (i) the date when all Reference Income received by an Investor with respect to a </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Sch. A-2</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Reference Cohort associated with a particular S&#38;M Period equals the Investor Cap Amount and (ii) the date that is ten (10) years following the first day of the S&#38;M Period in which such Reference Cohort was originated.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IRR Cap</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Reference Cohort, the greater of (a) zero and (b) the amount which, as of any date of calculation, would result in the Investors realizing an Internal Rate of Return of 30% for the applicable calendar year across all Reference Cohorts for which the related Investment Funding Dates fall within such calendar year, determined by taking into consideration (i) all prior Reference Income and any amounts remitted to the Investors pursuant to </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement related to such Reference Cohorts, together with the actual dates of such remittances, and (ii) all prior Investment Amounts and any amounts remitted to the Investment Recipient pursuant to </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement related to such Reference Cohorts, together with the Investment Funding Dates of such remittances.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Legacy Reference Cohort</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, each group of Customers acquired in each of the full twelve (12) monthly periods that occurred immediately prior to the Effective Date, that (i) does not constitute a Reference Cohort, but (ii) would constitute a Reference Cohort, assuming for this purpose this Agreement had been in effect during such monthly periods and that each of such monthly periods constituted an S&#38;M Period hereunder.</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Margin</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means 58%.</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Maximum Invested Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;margin-top:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Minimum Invested Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Payback Period</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Reference Cohort, the number that is equal to the period of time, in months, rounded up to the nearest whole month as required, from (a) the first day of the S&#38;M Period during which such Reference Cohort was originated, through and including (b) the first day that the aggregate amount that would have been paid to the Investors under </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement with respect to such Reference Cohort, if all such payments were due immediately on the final day of each S&#38;M Period (and not giving effect to any applicable time period between the end of an S&#38;M Period and the associated Disbursement Date), equals or exceeds the Investment Amount for such Reference Cohort.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Reference Cohort</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any S&#38;M Period, the group of Customers (each such unique Customer denoted by the &#34;customer_id&#34; column in the dataset provided by the each Group Company to the Arranger) acquired in a given S&#38;M Period, with the date of such acquisition being the month corresponding to the first &#34;payment_date&#34; data field associated with a given Customer in the dataset provided by each Group Company to the Arranger, but excluding from such group the Customers whose &#34;order_status&#34; field in the dataset provided to the Arranger is not shown as &#34;paid.&#34;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Sch. A-3</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Reference Income</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, for any set of Customers within any Reference Cohort and over any specified time period, an amount equal to the product of (i) total Collections and (ii) the Margin.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Return Multiple</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means (i) if Payback Period is less than or equal to three (3) months, then 1.035&#59; (ii) if Payback Period is four (4) months, then 1.040 and (iii) if Payback Period is greater than four (4) months, then the number equal to the sum of (x) 1.040 and (y) the product of 0.0065 and the number of months in the Payback Period in excess of four (4) months&#59; provided, however, that notwithstanding the length of the Payback Period, the Return Multiple shall never exceed 1.170.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Return Multiple Cap</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means, with respect to any Reference Cohort, the product of (a) the Return Multiple and (b) the Investment Amount for such Reference Cohort.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">S&#38;M Period</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means each monthly period, commencing on July 1, 2026.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">S&#38;M Spend</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the total amount (without duplication) of marketing and sales expenses that are recognized on each Group Company's income statements for such S&#38;M Period (including the amortized portion of any marketing and sales expenditures capitalized in prior periods, which expenditures shall be recorded and presented to the Arranger in a separate pro forma income statement which sets forth the applicable amount) that the Investment Recipient or such other Group Company determines in good faith to be tied to the acquisition or retention of customers and is consistent with the &#34;total_sm_spend&#34; values in the dataset provided by each Group Company to the Arranger prior to the Effective Date.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Tested Cohort</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means (i) any Open Reference Cohort and (ii) any Legacy Reference Cohort&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> any Tested Cohort shall cease to be a Tested Cohort on and after the date on which the cumulative Reference Income associated with such Tested Cohort exceeds the Actual S&#38;M Spend for the related S&#38;M Period during which such Tested Cohort was originated.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">True-Down Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">True-Down Amount Refund</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">True-Down Election</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">True-Down Election Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule A</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:27pt">Specified Commercial Terms</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">2.1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:21pt">Committed Facility Commercial Terms</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">Notwithstanding anything to the contrary herein, (i) the maximum Investment Amount for all Investment Requests made to the Arranger hereunder shall not exceed $1,000,000,000 (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Maximum Invested Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) without the Arranger's prior written </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Sch. A-4</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">consent, and (ii) the Investment Amount for any given S&#38;M Period shall not exceed the lesser of (x) $&#91;***&#93; and (y) an amount consistent with a &#91;***&#93;% increase in S&#38;M Spend since the immediately preceding S&#38;M Period.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">For any S&#38;M Period during the Commitment Period, in the event that the Investment Recipient does not issue Investment Requests to the Arranger for an aggregate Investment Amount of at least &#91;***&#93;% of the Actual S&#38;M Spend (such amount, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Minimum Invested Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) with respect to such S&#38;M Period, the Investment Recipient shall be deemed to have received an Investment Amount equal to the Minimum Invested Amount for purposes of this Agreement. </font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.7pt">Commitment Termination</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.  The Arranger may immediately cancel and terminate any further commitment to honor any Investment Requests made to the Arranger, on behalf of the applicable Investors, hereunder upon the occurrence of any of the following&#58; (i)&#160;a Cohort Threshold Breach by any Group Company, (ii)&#160;a Cancellation Event, (iii) a Regulatory Event, (iv)&#160;the representations and warranties of any Group Company contained this Agreement or the Guarantee ceasing to be true and correct when made, (v)&#160;breach by any Group Company of any of the covenants and other undertakings set forth herein or (vi) the Arranger reasonably believes that a Senior Loan Default has occurred or is suspected to occur under any Senior Loan Agreement within twelve (12) months following the next Investment Funding Date (clauses (i) through (vi), collectively the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Commitment Termination Events</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> with respect to the foregoing clauses (iii) and (v), to the extent such breach is (x)&#160;curable, (y)&#160;does not result in a Material Adverse Change with respect to any Invested Receivable, and (z) has not previously occurred during the term of the Agreement, the Investment Recipient may provide prompt notice to the Arranger of its or the other applicable Group Company's intent to cure such breach or failure and shall cure such breach or failure within a period of twenty (20) days thereafter (and upon receipt of such notice of intent to cure, the Arranger shall forbear from terminating its commitments hereunder, and may, but shall not be obligated to, honor any further Investment Requests during such cure period in its sole discretion)&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided further that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, with respect to the immediately preceding proviso, the Arranger, on behalf of the applicable Investors, and the Investment Recipient shall make reasonable efforts to reach an agreement to resume such commitment, and such commitment shall be resumed upon mutual election by the Arranger and the Investment Recipient.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.02pt">Sale of Company</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. Solely in the event of a Sale of Company, upon five (5) Business Days' prior written notice, the Investment Recipient may (x) immediately cancel and terminate any commitment made by the Arranger and continue to remit Reference Income in accordance with </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.2(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> of this Agreement&#59; or (y) immediately cancel and terminate any commitment made by the Arranger and prepay the Arranger in an amount equal to the Prepayment Amount&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, such termination and&#47;or prepayment occurs within ten (10) Business Days of the consummation of such Sale of Company.</font></div><div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:22.7pt">True-Down Elections</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. Upon the occurrence of any Cohort Threshold Breach, the Investment Recipient in its sole and absolute discretion may provide written notice to the Arranger, by the date that is five (5) Business Days following the occurrence of such Cohort </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Sch. A-5</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Threshold Breach (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">True-Down Election Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), of the Investment Recipient's election (such election, a &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">True-Down Election</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) to continue the Investors' commitments hereunder, and to reduce the Actual S&#38;M Spend of the relevant Tested Cohort for purposes of the Cohort Threshold Test in an amount sufficient to bring the Investment Recipient or the other applicable Group Company into compliance with such Cohort Threshold Test with the reduction amount not to exceed thirty percent (30%) of such Actual S&#38;M Spend for the S&#38;M Period in which such Tested Cohort was originated (determined prior to giving effect to such True-Down Election) (the total reduction amount, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">True-Down Amount</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), such election to be effective upon the Investment Recipient refunding to the Arranger, on behalf of the applicable Investors based on their respective Percentage Interests, on or before the True-Down Election Date, an amount equal to (i) the Investor Funding Percentage applicable to the relevant Reference Cohort, multiplied by (ii) the True-Down Amount (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">True-Down Amount Refund</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;).  Following the Arranger's receipt of the True-Down Election and the True-Down Amount Refund with respect to such Tested Cohort, the Investor Sharing Percentage for such Tested Cohort shall be reduced to the Investor Funding Percentage solely for the Reference Income attributable to the applicable S&#38;M Period as of the date of such effective True-Down Election, and such Cohort Threshold Breach shall be deemed cured.  Notwithstanding the foregoing, the Investment Recipient shall not be permitted to make more than three (3) True-Down Elections during the Commitment Period.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Sch. A-6</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_16"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;text-decoration:underline">SCHEDULE B</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">EXPECTED S&#38;M SPEND</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Sch. B-1</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_19"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;text-decoration:underline">SCHEDULE C</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">INVESTORS</font></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_22"></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Sch. C-1</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_25"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;text-decoration:underline">SCHEDULE D</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">EXPECTED FUTURE INVESTORS</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Sch. D-1</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_28"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">EXHIBIT A<br><br>FORM OF INVESTMENT REQUEST FOR &#91;MONTH&#93; &#91;YEAR&#93;</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;padding-left:27pt;text-indent:-27pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Exh. A-1</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_31"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">EXHIBIT B<br><br>FORM OF FUNDING ADJUSTMENT</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;padding-left:27pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Exh. B-1</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_34"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">EXHIBIT C</font></div><div style="text-align:center"><font><br></font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">FORM OF<br>S&#38;M PERIOD FUNDS FLOW</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">&#91;***&#93;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Exh. C-1</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div><div id="idfe1d2b8acff40b6b31b7992be10c2a9_37"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:justify"><font><br></font></div></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">EXHIBIT D<br><br>VCOC MANAGEMENT RIGHTS</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#91;***&#93;</font></div><div style="margin-bottom:12pt;text-align:justify"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.126%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.286%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.288%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:3.12pt;padding-right:3.12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Exh. D-1</font></div></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>4
<FILENAME>ex-993guaranty.htm
<DESCRIPTION>EX-99.3
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="i27db256664394e6c93cce4dfd8678b23_1"></div><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:700;line-height:133%">Exhibit 99.3</font></div><div style="text-align:right"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:700;line-height:100%">Certain information have been excluded from this exhibit because they are both (i) not material and (ii) the type that the registrant treats as private or confidential. The excluded information is indicated by brackets containing asterisks (&#34;&#91;***&#93;&#34;). The registrant will furnish supplementally a copy of any excluded information to the Securities and Exchange Commission upon request.</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-top:5.85pt"><font><br></font></div><div style="padding-left:85.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:64.423%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="padding-left:81.37pt;padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:13.30pt">Dated as of July 13, 2026</font></div></td></tr><tr><td colspan="3" style="padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="margin-top:6.75pt;padding-right:-2.63pt;text-align:center"><font><br></font></div><div style="padding-right:-1.38pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">GC CUSTOMER VALUE ARRANGER, LLC,</font></div><div style="margin-top:0.05pt;padding-right:-1.53pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">as Arranger, on behalf of the Investors, </font></div><div style="margin-top:0.05pt;padding-right:-1.53pt;text-align:center"><font><br></font></div><div style="margin-top:0.05pt;padding-right:-1.53pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">IM8 (US) LLC,</font></div><div style="margin-top:0.05pt;padding-right:-1.53pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">as Investment Recipient,</font></div><div style="margin-top:0.05pt;padding-right:-1.53pt;text-align:center"><font><br></font></div><div style="padding-right:-2.63pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">IM8 LIMITED,</font></div><div style="margin-bottom:12pt;padding-right:-2.63pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">as a Guarantor,</font></div><div style="margin-bottom:12pt;padding-right:-2.63pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">and</font></div><div style="padding-left:31.22pt;padding-right:31.22pt;text-align:center;text-indent:16.05pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;PRENETICS LIMITED,</font></div><div style="padding-right:-1.4pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">as a Guarantor</font></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:1.5pt 1pt;text-align:left;vertical-align:top"><div style="margin-top:7.45pt;padding-right:-2.63pt;text-align:center"><font><br></font></div><div style="padding-right:-0.98pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:12.80pt">MASTER GUARANTEE AGREEMENT</font></div></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="margin-top:5.55pt"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><div id="i27db256664394e6c93cce4dfd8678b23_4"></div><hr style="page-break-after:always"><div style="min-height:82.08pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:3.75pt;padding-left:141.02pt;padding-right:141.02pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">TABLE OF CONTENTS</font></div><div style="margin-top:12pt;padding-right:71.45pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Page</font></div><div style="margin-top:12pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 1.&#160;&#160;&#160;&#160;Definitions&#160;&#160;&#160;&#160;1</font></div><div style="margin-top:6pt;padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.01</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Definition of Terms Used Herein Generally&#160;&#160;&#160;&#160;1</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.02</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Definition of Certain Terms Used Herein&#160;&#160;&#160;&#160;1</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.03</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Definitions and Construction&#160;&#160;&#160;&#160;2</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 2.&#160;&#160;&#160;&#160;Guarantee&#160;&#160;&#160;&#160;2</font></div><div style="margin-top:6.05pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 3.&#160;&#160;&#160;&#160;Guaranteed Obligations Not Waived&#160;&#160;&#160;&#160;3</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 4.&#160;&#160;&#160;&#160;Guarantee of Payment&#160;&#160;&#160;&#160;3</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 5.&#160;&#160;&#160;&#160;No Discharge or Diminishment of Guarantee&#160;&#160;&#160;&#160;3</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 6.&#160;&#160;&#160;&#160;Defenses Waived&#160;&#160;&#160;&#160;4</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 7.&#160;&#160;&#160;&#160;Agreement To Pay&#59; Contribution&#59; Subrogation&#160;&#160;&#160;&#160;4</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 8.&#160;&#160;&#160;&#160;Information&#160;&#160;&#160;&#160;5</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 9.&#160;&#160;&#160;&#160;Representations and Warranties in Customer Investment Agreement&#160;&#160;&#160;&#160;5</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 10.&#160;&#160;&#160;&#160;Covenants in Customer Investment Agreement&#160;&#160;&#160;&#160;5</font></div><div style="margin-top:6.05pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 11.&#160;&#160;&#160;&#160;Payment Free and Clear of Taxes&#160;&#160;&#160;&#160;5</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 12.&#160;&#160;&#160;&#160;Overdue Amounts&#160;&#160;&#160;&#160;6</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 13.&#160;&#160;&#160;&#160;Right of Setoff&#160;&#160;&#160;&#160;6</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 14.&#160;&#160;&#160;&#160;Reinstatement&#160;&#160;&#160;&#160;6</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 15.&#160;&#160;&#160;&#160;Termination&#160;&#160;&#160;&#160;6</font></div><div style="margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 16.&#160;&#160;&#160;&#160;Miscellaneous&#160;&#160;&#160;&#160;6</font></div><div style="margin-top:6pt;padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.01</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Notices&#160;&#160;&#160;&#160;7</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.02</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Counterparts&#59; Effectiveness&#160;&#160;&#160;&#160;8</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:13.75pt">1.03</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:13.75pt;padding-left:15pt">Headings&#160;&#160;&#160;&#160;8</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:13.70pt">1.04</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:13.70pt;padding-left:15pt">No Strict Construction&#160;&#160;&#160;&#160;8</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:13.75pt">1.05</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:13.75pt;padding-left:15pt">Severability&#160;&#160;&#160;&#160;8</font></div><div style="margin-top:0.15pt;padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.06</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Survival of Agreement&#160;&#160;&#160;&#160;8</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.07</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Binding Effect&#160;&#160;&#160;&#160;8</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.08</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Waivers, Amendments&#160;&#160;&#160;&#160;9</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.09</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Judgment Currency&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;...9</font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.10</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt"><a href="#i27db256664394e6c93cce4dfd8678b23_7" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:none">Governing Law&#59; Jurisdiction&#59; Etc&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;   10 </a></font></div><div style="padding-left:144pt;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.11</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:15pt">Third Party Beneficiary&#160;&#160;&#160;&#160;&#8230;10</font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">                             </font></div><div style="padding-left:144pt;text-indent:-36pt"><font><br></font></div><div style="height:46.08pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><div id="i27db256664394e6c93cce4dfd8678b23_7"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">This MASTER GUARANTEE AGREEMENT (this &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Agreement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) is entered into as of July 13, 2026, by and among IM8 (US) LLC, a Delaware limited liability company (&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investment Recipient</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), IM8 LIMITED, a private company limited by shares incorporated under the laws of Hong Kong (&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IM8 Guarantor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), PRENETICS LIMITED, a private company limited by shares incorporated under the laws of Hong Kong (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Prenetics</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; and together with IM8 Guarantor, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantors</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; and each, a &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), and GC CUSTOMER VALUE ARRANGER, LLC, a Delaware limited liability company, as arranger (in such capacity, together with its successors and assigns in such capacity, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Arranger</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), on behalf of certain funds and accounts specified as &#34;Investors&#34; and listed in Schedule C of the Customer Investment Agreement, as amended from time to time (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Investors</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;).</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">WHEREAS, the Investment Recipient and the Arranger have entered into that certain Customer Investment Agreement, dated as of the date hereof (as amended, supplemented, restated or otherwise modified and in effect from time to time, the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Customer Investment Agreement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), pursuant to which, among other things, the Arranger has agreed to facilitate funding to the Investment Recipient&#59; and</font></div><div style="margin-top:12pt;text-align:justify;text-indent:30.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">WHEREAS, in order to guarantee the Guaranteed Obligations, each Guarantor has agreed to execute and deliver to the Arranger a guarantee agreement in substantially the form hereof.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">NOW, THEREFORE, in consideration of the premises and for other good and valuable consideration the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows&#58;</font></div><div style="margin-top:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 1.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Definitions</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.01</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15.05pt">Definition of Terms Used Herein Generally</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. All capitalized terms used but not defined herein shall have the meanings specified in the Customer Investment Agreement.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.02</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15.05pt">Definition of Certain Terms Used Herein</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. As used herein, the following terms shall have the following meanings&#58;</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Bankruptcy Code</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means Title 11 of the United States Code, now or hereafter in effect, as amended, or any successor thereto.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Bankruptcy Laws</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the Bankruptcy Code, the Bankruptcy Ordinance (Cap. 6 of the Laws of Hong Kong), the Companies (Winding Up and Miscellaneous Provisions) Ordinance (Cap. 32 of the Laws of Hong Kong), and all other liquidation, provisional liquidation, bankruptcy, assignment for the benefit of creditors, moratorium, scheme of arrangement, receivership, insolvency, reorganization, winding up or similar debtor relief laws of the United States, Hong Kong or other applicable foreign laws.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guaranteed Obligations</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; means the due and punctual payment of all amounts, and all obligations, covenants and duties, owing by the Investment Recipient to the Arranger, on behalf of the relevant Investors, arising under or otherwise related to the Customer Investment Agreement. The term &#8220;Guaranteed Obligations&#8221; shall include any and all reimbursement </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">obligations, fees, indemnities, costs, expenses or otherwise (including all reasonable and documented fees and disbursements of counsel to the Arranger or the Investors that are required to be paid by the Investment Recipient pursuant to the terms of the Customer Investment Agreement or any other Program Document), and shall include all other obligations of the Investment Recipient under the Customer Investment Agreement, interest and fees that accrue after the commencement by or against the Investment Recipient or any Affiliate thereof of any proceeding under any Bankruptcy Laws naming such Person as the debtor in such proceeding regardless of whether such interest, fees and amounts are allowed or allowable in such proceeding.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34; has the meaning set forth in the preamble hereof. Additional Guarantors may be added to this Agreement after the date hereof by executing a joinder agreement substantially in the form of Exhibit A hereto.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">&#91;***&#93;</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.03</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15.05pt">Definitions and Construction</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. The rules of interpretation specified in Section 1.2 of the Customer Investment Agreement shall be applicable to this Agreement, </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">mutatis mutandis</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. References to &#8220;Sections&#8221;, &#8220;Exhibits&#8221;, and &#8220;Schedules&#8221; shall be to Sections, Exhibits and Schedules, respectively, of this Agreement unless otherwise specifically provided. Any of the terms defined in this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 1</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> may, unless the context otherwise requires, be used in the singular or the plural depending on the reference. All references to statutes and related regulations shall include (unless otherwise specifically provided herein) any amendments of same and any successor statutes and regulations.</font></div><div style="margin-top:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 2.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantee</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.75pt">Each Guarantor unconditionally guarantees to the Arranger, for the ratable benefit of Investors, jointly and severally, each as a primary obligor and not merely as a surety, the payment and performance of the Guaranteed Obligations when arising (whether at the stated maturity, acceleration or otherwise). Guarantors further agree that the Guaranteed Obligations may be increased, extended or renewed, subject to the respective provisions of the Customer Investment Agreement, in whole or in part, without notice to or further assent from Guarantors, and that each Guarantor will remain bound upon its guarantee notwithstanding any increase, extension or renewal of any Guaranteed Obligation.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.07pt">Each Guarantor shall remain obligated hereunder notwithstanding that, without any reservation of rights against any Guarantor and without notice to or further assent by any Guarantor, any demand for payment of any of the Guaranteed Obligations made by the Arranger or any Investor may be rescinded by the Arranger or such Investor and any of the Guaranteed Obligations continued, and the Guaranteed Obligations, or the liability of any other person upon or for any part thereof, or any collateral security or guarantee therefor or right of offset with respect thereto, may, from time to time, in whole or in part, be renewed, extended, amended, modified, accelerated, compromised, waived, surrendered or released by the Arranger or any Investor, and the Customer Investment Agreement, and any other documents executed and delivered in connection therewith may be amended, amended and restated, supplemented or </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">2</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">otherwise modified or terminated, in whole or in part, as the Arranger (or the Investors) may deem advisable from time to time, in each case, in accordance with the terms thereof, and any collateral security, guarantee or right of offset at any time held by the Arranger or any Investor for the payment of the Guaranteed Obligations may be sold, exchanged, waived, surrendered or released.</font></div><div><font><br></font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 3.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guaranteed Obligations Not Waived</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. Guarantors waive presentment to, demand of payment from and protest to the Investment Recipient of any of the Guaranteed Obligations and also waive notice of acceptance of their guarantee and notice of protest for nonpayment. For these purposes, Guarantors expressly waive any benefit of execution and benefit of division that may be applicable and, hence, the Arranger may directly demand payment (whether partially or in full) from any or all Guarantors.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 4.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantee of Payment</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. Guarantors further agree that the guarantee hereunder constitutes a guarantee of payment and not of collection.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 5.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">No Discharge or Diminishment of Guarantee</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. The obligations of Guarantors hereunder shall not be subject to any reduction, limitation, impairment, or termination, including any claim of waiver, release, surrender, alteration, or compromise, and shall not be subject to any defense or setoff, counterclaim, recoupment, or termination&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided, however, that</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> nothing in this Agreement shall be construed to waive any Guarantor's right to assert as a defense&#58; (i) the actual payment or performance in full of the Guaranteed Obligations, (ii) the expiration or termination of this Agreement in accordance with its terms, or (iii) the discharge or release of such Guarantor pursuant to any express provision of this Agreement or the Customer Investment Agreement.  Without limiting the generality of the foregoing, the obligations of Guarantors hereunder, to the fullest extent permitted by applicable Law, shall not be discharged or impaired or otherwise affected by, and each Guarantor hereby waives any defense to the enforcement hereof by reason of&#58;</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.75pt">the failure of the Arranger to assert any claim or demand or to exercise or enforce any right or remedy under the provisions of the Customer Investment Agreement or otherwise&#59;</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.07pt">any rescission, waiver, amendment, or modification of, or any release from any of the terms or provisions of, the Customer Investment Agreement or any other agreement&#59;</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.75pt">any default, failure, or delay, willful or otherwise, in the performance of the Guaranteed Obligations&#59;</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.07pt">any other act or omission that may or might in any manner or to any extent vary the risk of a Guarantor or otherwise operate as a discharge of a Guarantor as a matter of law or equity (other than the payment in full in cash or immediately available funds of all the Guaranteed Obligations)&#59;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">3</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.7pt">any illegality, lack of validity, or enforceability of any Guaranteed Obligation&#59;</font></div><div style="margin-top:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(f)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:24.03pt">to the fullest extent permitted by applicable Law, any change in the corporate existence, structure, or ownership of any Guarantor or the Investment Recipient, or any insolvency, bankruptcy, reorganization or other similar proceeding affecting the Investment Recipient or any assets of any Guarantor or any resulting release or discharge of any Guaranteed Obligation&#59;</font></div><div style="margin-top:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(g)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.02pt">the existence of any claim, set-off, or other rights that a Guarantor may have at any time against the Arranger, Investors or any other person, whether in connection herewith or any unrelated transactions&#59; </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">provided that </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">nothing herein will prevent the assertion of any such claim by separate suit or compulsory counterclaim&#59; or</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(h)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.07pt">any other circumstance (including any statute of limitations) or any existence of or reliance on any representation by the Arranger or Investors that might otherwise constitute a defense to, or a legal or equitable discharge of, any Guarantor, the Investment Recipient or any other guarantor or surety.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 6.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Defenses Waived</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. To the fullest extent permitted by applicable Law, each Guarantor waives any defense based on or arising out of any defense of the Investment Recipient or the unenforceability of the Guaranteed Obligations or any part thereof from any cause, or the cessation from any cause of the liability of the Investment Recipient. The Arranger may, at its election, compromise or adjust any part of the Guaranteed Obligations, make any other accommodation with the Investment Recipient or exercise any other right or remedy available to them against the Investment Recipient, without affecting or impairing in any way the liability of any Guarantor hereunder. To the fullest extent permitted by applicable Law, each Guarantor waives any defense arising out of any such election even though such election operates, pursuant to applicable Law, to impair or to extinguish any right of reimbursement or subrogation or other right or remedy of any Guarantor against the Investment Recipient, as the case may be.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 7.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Agreement To Pay&#59; Subrogation</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.75pt">In furtherance of the foregoing provisions of this Agreement and not in limitation of any other right that the Arranger has at law or in equity against any Guarantor by virtue hereof, upon the failure of the </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">Investment Recipient</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"> to pay or perform any Guaranteed Obligation when and as the same shall become due, each Guarantor hereby promises to and will forthwith pay in cash or perform, or cause to be paid in cash or performed, to the Arranger, collectively, such unpaid or unperformed Guaranteed Obligations upon written demand. Each Guarantor hereby agrees to make any such payment of its portion of unpaid Guaranteed Obligations in United States dollars within &#91;***&#93; Business Days of such payment becoming due under the Customer Investment Agreement, it being understood&#160;that such Guarantor's obligation to make any such payment of the Guaranteed Obligations hereunder shall not be due earlier than the date that is &#91;***&#93; Business Days after the date on which such Guaranteed Obligations are due to be paid by the Investment Recipient under the Customer Investment Agreement. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">4</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:22.07pt">Upon payment by Guarantors of any sums to the Arranger, all rights of Guarantors against the Investment Recipient arising as a result thereof by way of right of subrogation, contribution, reimbursement, indemnity, or otherwise shall in all respects be subordinate and junior in right of payment and priority to the prior indefeasible payment in full in cash of all the Guaranteed Obligations to satisfaction of the Arranger. In addition, any indebtedness of the Investment Recipient now or hereafter held by any Guarantor is hereby subordinated in right of payment and priority to the prior indefeasible payment in full of the Guaranteed Obligations during the existence of a Cancellation Event, from and after the Arranger demands payment in full of the applicable Investors' Outstanding Investor Share pursuant to Section 2.2(c) of the Customer Investment Agreement. If any amount shall erroneously be paid to a Guarantor on account of (x) such subrogation, contribution, reimbursement, indemnity, or similar right, or (y) any such indebtedness of the Investment Recipient or otherwise in contravention of this Agreement, such amount shall be paid, and otherwise transferred to, the Arranger to be credited against the payment of the Guaranteed Obligations, whether matured or unmatured, in accordance with the terms of this Agreement.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 8.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Information</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. Each Guarantor assumes all responsibility for being and keeping itself informed of the financial condition and assets of the Investment Recipient, and of all other circumstances bearing upon the risk of nonpayment of the Guaranteed Obligations and the nature, scope and extent of the risks that each Guarantor assumes and incurs hereunder, and agrees that none of the Arranger or Investors will have any duty to advise any Guarantor of information known to it or any of them regarding such circumstances or risks. This Agreement constitutes a subordination agreement pursuant to Section 510(a) of the Bankruptcy Code.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 9.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Representations and Warranties in Customer Investment Agreement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. On the date hereof, each Investment Funding Date and each Disbursement Date, each Guarantor hereby is deemed to make such representations and warranties made by the Guarantors pursuant to Section 4 in the Customer Investment Agreement, and all such representations and warranties are true and correct in all material respects (except where such representations and warranties are already qualified by a materiality or a Material Adverse Change standard, then in all respects). Each Guarantor further represents and warrants to the Arranger and the Investors that&#58; (a) the execution and delivery of this Agreement does not violate any provision of such Guarantor's operating agreement or bylaws, as applicable, or any prior contractual obligation, undertaking, requirement, duty, or statutory obligation of the respective Guarantor&#59; (b) it has full power and authority to execute and deliver this Agreement&#59; and (c) all necessary company or corporate actions, as applicable, have been taken to authorize the entry into this Agreement and the guarantee granted herein in Section 2 hereof.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 10.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Covenants in Customer Investment Agreement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. Each Guarantor covenants and agrees that, at all times during which such Guarantor shall be a party to this Agreement, it will perform and observe, and cause the Investment Recipient to perform and observe all of the terms, covenants, and agreements set forth in the Customer Investment Agreement that are required to be performed or observed by the Investment Recipient or a Guarantor, or that the Investment Recipient has agreed to cause to be, performed or observed by </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">any Guarantor.  Without limiting the foregoing, each provision of Section 5 (</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">Covenants of Group Companies</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">) of the Customer Investment Agreement shall apply to each Guarantor.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 11.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Payment Free and Clear of Taxes</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. Each Guarantor will jointly and severally indemnify the Arranger and Investors for (i) taxes withheld or deducted from payments on an Invested Receivable whether by the related Customer, (ii) any taxes payable by the Investment Recipient pursuant to Section 4.7, Section 5.9 or Section 10 of the Customer Investment Agreement and (iii) costs, expenses and reasonable and documented fees of counsel selected by the Arranger in defending against the same, whether arising by reasons of the acts to be performed by the Investment Recipient under the Customer Investment Agreement or otherwise.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 12.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Overdue Amounts</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. All amounts due and payable by a Guarantor hereunder shall constitute Guaranteed Obligations and, whether before or after judgment, shall bear interest until paid at a rate </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">per annum </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">equal to the Default Rate consistent with the Customer Investment Agreement.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 13.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Right of Setoff</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. If (a) a Cancellation Event shall have occurred and be continuing and (b) the Arranger demands payment in full of the applicable Investors&#8217; Outstanding Investor Share pursuant to Section 2.2(c) of the Customer Investment Agreement and such amounts remain outstanding, Investors and each of their respective Affiliates are hereby authorized at any time and from time to time, to the fullest extent permitted by applicable Law, to set off and apply any and all deposits (general or special, time or demand, provisional or final, in whatever currency) at any time held and other obligations (in whatever currency) at any time owing by the Arranger, Investors or any such Affiliate to or for the credit or the account of a Guarantor against any and all of the obligations of any Guarantor now or hereafter existing under this Agreement or the Customer Investment Agreement to the Arranger or the Investors. The Arranger shall provide each affected Guarantor with at least one (1) Business Day's prior written notice of its intention to exercise any right of setoff hereunder, specifying the amounts to be set off. The rights of the Arranger, Investors, and their Affiliates under this Section are in addition to other rights and remedies (including other rights of setoff) that the Arranger, Investors, or their Affiliates may have.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 14.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Reinstatement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. Notwithstanding the provisions of </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section <a href="#i27db256664394e6c93cce4dfd8678b23_7" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">15</a></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"><a href="#i27db256664394e6c93cce4dfd8678b23_7" style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:none">,</a> the obligations of each Guarantor pursuant to this Agreement shall continue to be effective or automatically be reinstated, as the case may be, if at any time payment or recovery of any of the Guaranteed Obligations is rescinded or otherwise must be restored or returned by the Arranger or Investors, including pursuant to the insolvency, bankruptcy, dissolution, liquidation, reorganization, or equivalent process of such Guarantor or any other obligor or otherwise, all as though such payment or recovery had not been made.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 15.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Termination</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. </font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(a)  &#160;&#160;&#160;&#160;This Agreement shall terminate in respect of the Guarantors and the Guarantors shall be deemed released of all Guaranteed Obligations when the Guaranteed Obligations have been irrevocably, unconditionally and indefeasibly  paid in full to satisfaction of Arranger, no </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">6</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Guaranteed Obligations remain outstanding, and the Customer Investment Agreement has been terminated pursuant to the terms thereof.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">(b)  &#160;&#160;&#160;&#160;&#91;***&#93;</font></div><div style="margin-top:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Section 16.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Miscellaneous</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.01</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Notices</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. All communications and notices hereunder shall be in writing and given (a) to the Arranger, as provided in Section 12 of the Customer Investment Agreement, and (b) to the Investment Recipient and the Guarantors at the address set forth below, unless a different address is provided under the signature block in the Guarantee Joinder for such Guarantor&#58;</font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:36pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">If to Investment Recipient&#58;</font></div><div style="padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">IM8 (US) LLC</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">c&#47;o Prenetics Limited</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Unit 703-706, K11 Atelier</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">728 King&#8217;s Road, Quarry Bay</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Hong Kong</font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Email&#58; &#91;***&#93;</font></div><div style="padding-left:72pt;text-align:justify"><font><br></font></div><div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">If to Guarantors&#58;</font></div><div style="padding-left:72pt"><font><br></font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Prenetics Limited</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Unit 703-706, K11 Atelier</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">728 King&#8217;s Road, Quarry Bay</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Hong Kong</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Email&#58; &#91;***&#93;</font></div><div style="padding-left:72pt"><font><br></font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">and&#58;</font></div><div style="padding-left:72pt"><font><br></font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">IM8 Limited</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">c&#47;o Prenetics Limited</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Unit 703-706, K11 Atelier</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">728 King&#8217;s Road, Quarry Bay</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Hong Kong</font></div><div style="padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Email&#58; &#91;***&#93;</font></div><div style="padding-left:72pt"><font><br></font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.02</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15.05pt">Counterparts&#59; Effectiveness</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. This Agreement may be executed in counterparts (and by different parties hereto in different counterparts), each of which shall constitute an original, but all of which when taken together shall constitute a single contract. This Agreement shall become effective when it shall have been executed by the parties hereto. Delivery of an executed counterpart of a signature page of this Agreement by electronic transmission shall be effective as delivery of a manually executed counterpart of this Agreement, including PDF </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">7</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">signatures attached to an email or by any other electronic signature method (including, without limitation, DocuSign and AdobeSign), and such PDF or other electronic record will, for all purposes, be deemed to be the original signature of each party whose signature it reproduces, and will be binding upon such party.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.03</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15.05pt">Headings</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. Section and subsection headings in this Agreement are included for convenience of reference only and shall not affect the interpretation of this Agreement.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.04</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15.05pt">Jointly Drafted</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. The parties hereto have participated jointly in the negotiation and drafting of this Agreement. In the event an ambiguity or question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties hereto and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any provisions of this Agreement.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.05</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15.05pt">Severability</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. If any provision of this Agreement is held to be illegal, invalid, or unenforceable, (a) the legality, validity, and enforceability of the remaining provisions of this Agreement shall not be affected or impaired thereby, and (b) the parties shall endeavor in good faith negotiations to replace the illegal, invalid, or unenforceable provisions with valid provisions the economic effect of which comes as close as possible to that of the illegal, invalid, or unenforceable provisions. The invalidity of a provision in a particular jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.06</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Survival of Agreement</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. All covenants, agreements, representations, and warranties made by each Guarantor herein and in the certificates or other instruments prepared or delivered in connection with or pursuant to this Agreement shall be considered to have been relied upon by the Arranger and Investors and shall survive the execution and delivery of the Customer Investment Agreement and the advance of all extensions of credit contemplated thereby, regardless of any investigation made by the Arranger or Investors or on their behalf and notwithstanding that the Arranger or Investors may have had notice or knowledge of (a) any Cancellation Event or (b) the Arranger demanding payment in full of the applicable Investors' Outstanding Investor Share pursuant to Section 2.2(c) of the Customer Investment Agreement, and shall continue in full force and effect until this Agreement shall terminate (or thereafter to the extent provided herein).</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.07</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15.05pt">Binding Effect</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">. This Agreement is binding upon each Guarantor and its respective successors and assigns, and shall inure to the benefit of such Guarantor, except that no Guarantor shall have any right to assign or transfer its rights or obligations hereunder or any interest herein (and any such assignment or transfer shall be void) except as expressly contemplated by this Agreement or the Customer Investment Agreement.</font></div><div style="margin-top:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.08</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Waivers&#59; Amendments.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.85pt">No failure or delay of the Arranger in exercising any power or right hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right or power, or any abandonment or discontinuance of steps to enforce such a right or power, preclude any other or further exercise thereof or the exercise of any other right or power. The </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">8</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">rights and remedies of the Arranger and Investors under the Customer Investment Agreement are cumulative and are not exclusive of any rights or remedies that any of them would otherwise have. No waiver of any provisions of this Agreement or consent to any departure by a Guarantor therefrom shall in any event be effective unless the same shall be permitted by paragraph (b) below, and then such waiver or consent shall be effective only in the specific instance and for the purpose for which given. No notice to or demand on a Guarantor, in any case, shall entitle such Guarantor to any other or further notice or demand in similar or other circumstances.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.23pt">Neither this Agreement nor any provision hereof may be waived, amended, or modified except pursuant to an agreement or agreements in writing entered into by the Arranger and each Guarantor.</font></div><div style="margin-top:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.09</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Judgment Currency</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.85pt">All obligations of the Guarantors hereunder to make payments are required to be made in United States dollars (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Obligation Currency</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;), and shall not be discharged or satisfied by any tender or recovery pursuant to any judgment expressed in or converted into any currency other than the Obligation Currency, except to the extent that such tender or recovery, upon conversion, results in the effective receipt by the related Investor of the full amount of the Obligation Currency expressed to be payable to such Investor under this Agreement. If for the purpose of obtaining or enforcing judgment against any Guarantor in any court or in any jurisdiction, it becomes necessary to convert into or from any currency other than the Obligation Currency (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Judgment Currency</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;) the conversion shall be made at the rate of exchange (as quoted by the Arranger or if the Arranger fails to quote a rate of exchange on such currency, by an internationally known and reputable dealer in such currency designated by the Arranger) determined, in each case, as of the Business Day on which the judgment is given (the &#34;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Judgment Currency Conversion Date</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#34;).</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.23pt">If there is a change in the rate of exchange prevailing between the Judgment Currency Conversion Date and the date of actual payment of the amount due, each Guarantor covenants to pay or cause to be paid, such additional amounts, if any (but in any event not a lesser amount), as may be necessary to ensure that the amount paid in the Judgment Currency, when converted at the rate of exchange prevailing on the date of payment, will convert to the amount of the Obligation Currency which would have been purchased with the amount of Judgment Currency stipulated in the judgment or judicial award at the rate of exchange prevailing on the Judgment Currency Conversion Date.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.85pt">For purposes of determining the rate of exchange under this </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Section 16.09</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, such amounts shall include any premium and costs payable in connection with the purchase of the Obligation Currency.</font></div><div style="margin-top:12pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.10</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">Governing Law&#59; Jurisdiction&#59; Etc.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.85pt">This Agreement shall be governed by the Laws of the State of New York, without giving effect to conflict of laws principles that would require the application of the Law of any other jurisdiction.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">9</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.23pt">Each of the parties hereto irrevocably and unconditionally submits, for itself and its property, to the nonexclusive jurisdiction of any federal court of the United States, or New York state court if required by Law, sitting in the Borough of Manhattan, New York City, and any appellate court from any thereof, in any action or proceeding arising out of or relating to this Agreement, or for recognition or enforcement of any judgment. Each of the parties hereto hereby irrevocably and unconditionally agrees that all claims in respect of any such action or proceeding may be heard and determined in any such federal court or New York State court to the extent required by Law to be heard in such state court. Each of the parties hereto irrevocably and unconditionally waives, to the fullest extent it may legally and effectively do so, any objection that it may now or hereafter have to the laying of venue of any suit, action or proceeding arising out of or relating to this Agreement in any federal court located in the Borough of Manhattan. Each of the parties hereto hereby irrevocably waives, to the fullest extent permitted by Law, the defense of inconvenient forum to the maintenance of such action or proceeding in any such court.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:71.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:23.85pt">EACH PARTY HERETO IRREVOCABLY WAIVES ANY RIGHT THAT SUCH PERSON MAY HAVE TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING OUT OF ANY OF THE TRANSACTIONS CONTEMPLATED HEREIN, INCLUDING CONTRACT CLAIMS, TORT CLAIMS, BREACH OF DUTY CLAIMS AND ALL OTHER COMMON LAW OR STATUTORY CLAIMS.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.11</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15.05pt">Third-Party Beneficiary. </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Each Investor shall be an intended third-party beneficiary of this Agreement entitled to enforce the Agreement as though it were a party hereto, in each case at the direction of Investors holding a majority of the then outstanding Investment Amount.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">10</font></div></div></div><div id="i27db256664394e6c93cce4dfd8678b23_10"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:3.95pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IN WITNESS WHEREOF</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, intending to be legally bound, each party hereto has caused this Agreement to be duly executed as of the date first above written.</font></div><div><font><br></font></div><div style="margin-top:2.15pt"><font><br></font></div><div style="margin-bottom:18pt;padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IM8 (US) LLC</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, as an Investment Recipient</font></div><div style="margin-bottom:18pt;padding-left:242.65pt;text-indent:-26.65pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">By&#58;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58;  <br>Title&#58;    </font></div><div style="margin-bottom:18pt;padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IM8 LIMITED</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, as a Guarantor</font></div><div 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style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">By&#58;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%"><br>Name&#58;                                                                    Title&#58;</font></div><div style="margin-bottom:18pt;padding-left:242.65pt;text-indent:-26.65pt"><font><br></font></div><div style="padding-left:234pt"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:400;line-height:120%">Signature Page to Master Guarantee Agreement</font></div></div></div><div id="i27db256664394e6c93cce4dfd8678b23_13"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="padding-left:189pt"><font style="color:#282828;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">GC CUSTOMER VALUE ARRANGER, LLC,</font></div><div style="margin-top:0.75pt;padding-left:189pt"><font style="color:#282828;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">as Arranger</font></div><div style="margin-top:12pt"><font><br></font></div><div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">By&#58; General Catalyst Group Management LLC,</font></div><div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">its Manager</font></div><div><font><br></font></div><div style="margin-top:11.1pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div><div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:106%">By&#58; ______________________________________ </font></div><div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:106%">Name&#58;</font></div><div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:106%">Title&#58;</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:400;line-height:120%">Signature Page to Master Guarantee Agreement</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:8.45pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:400;line-height:120%">Signature Page to Master Guarantee Agreement</font></div></div></div><div id="i27db256664394e6c93cce4dfd8678b23_16"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:3.75pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Exhibit A</font></div><div style="margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">FORM OF GUARANTEE JOINDER TO MASTER GUARANTEE AGREEMENT</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">THIS JOINDER TO MASTER GUARANTEE AGREEMENT (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantee Joinder</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) is made as of &#91;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#93;, 20&#91;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline"> </font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#93;, by &#91;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#93; (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">New Guarantor</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;) in accordance with the Guarantee (as defined below).</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.05pt">Reference is made to that certain Master Guarantee Agreement, dated July 13, 2026 (as amended, modified, restated, replaced or supplemented from time to time, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">Guarantee</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#8221;), among GC CUSTOMER VALUE ARRANGER, LLC, a Delaware limited liability company, as Arranger, IM8 (US) LLC, a Delaware limited liability company, as Investment Recipient, IM8 LIMITED, a private company limited by shares incorporated under the laws of Hong Kong, as a Guarantor, and PRENETICS LIMITED, a private company limited by shares incorporated under the laws of Hong Kong, as a Guarantor. Capitalized terms used herein and not otherwise defined shall have the meanings given such terms in the Guarantee.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.05pt">New Guarantor hereby acknowledges, agrees and confirms that, by its execution of this Guarantee Joinder, it shall become a party to the Guarantee as a Guarantor thereunder, and shall be fully bound by and subject to, all the terms, conditions and covenants of a Guarantor set forth in the Guarantee as though an original party thereto.</font></div><div style="margin-top:12pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">3.</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:27.05pt">This Guarantee Joinder shall be governed by and interpreted in accordance with the laws of the State of New York without regard to principles of conflict of laws that would cause the application of laws of any other jurisdiction.</font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-top:10.2pt"><font><br></font></div><div style="margin-top:0.05pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">(Remainder of page intentionally blank)</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-top:3.3pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><div id="i27db256664394e6c93cce4dfd8678b23_19"></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div></div><div style="margin-top:3.95pt;text-align:justify;text-indent:35.95pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">IN WITNESS WHEREOF</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">, the New Guarantor has executed this Guarantee Joinder as of the date first written above and hereby authorizes this signature page to be attached as a counterpart of the Guarantee.</font></div><div><font><br></font></div><div style="margin-top:10.2pt"><font><br></font></div><div style="text-indent:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#91;NEW GUARANTOR&#93;, as a Guarantor</font></div><div style="margin-top:12pt;text-indent:216pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">By&#58; ______________________________________</font></div><div style="text-indent:234pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Name&#58;</font></div><div style="text-indent:234pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">Title&#58;</font></div><div style="text-indent:234pt"><font><br></font></div><div style="text-indent:234pt"><font><br></font></div><div style="padding-left:180pt;text-indent:36pt"><font><br></font></div><div style="padding-left:180pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#91;NEW GUARANTOR ADDRESS&#93;</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-top:0.05pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
