0000950123-24-007660 Sample Contracts

as the Borrower, LENDBUZZ FUNDING LLC, as the Servicer and the Collateral Custodian, the LENDERS from time to time parties hereto, and REGIONS BANK, as the Administrative Agent and the Account Bank LOAN AGREEMENT Dated as of October 28, 2022
Loan Agreement • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions • New York

This Loan Agreement, dated as of October 28, 2022 (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”), is by and among LENDBUZZ SPV VIII, LLCf, a Delaware limited liability company, as borrower (the “Borrower”), LENDBUZZ FUNDING LLC, a Delaware limited liability company (“Lendbuzz Funding”), as servicer (in such capacity, the “Servicer”) and as collateral custodian (in such capacity, the “Collateral Custodian”) for the Secured Parties (as defined herein), the Lenders from time to time parties hereto (the “Lenders”), and REGIONS BANK, as administrative agent for the Lenders (in such capacity, the “Administrative Agent”) and as account bank (in such capacity, the “Account Bank”).

WARRANT TO PURCHASE STOCK OF Lendbuzz Inc. (the “Company”) Date of Grant: May 15, 2018
Warrant Agreement • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions • New York

THIS CERTIFIES THAT, for value received, the Holder is entitled to purchase Warrant Shares from the Company, at any time and from time to time during the Exercise Period, at the Exercise Price per each Warrant Share, for an aggregate purchase price equal to the Exercise Amount, all in accordance with the provisions contained herein.

Re: Committed Line of Credit
Committed Line of Credit • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions

We refer to that certain letter agreement governing the captioned Line of Credit among Lendbuzz, Inc., a corporation organized under the laws of Delaware (“Lendbuzz”), and Lendbuzz Funding LLC, a limited liability company organized under the laws of Delaware (“Lendbuzz Funding”), (Lendbuzz and Lendbuzz Funding, each a “Borrower” and, collectively, the “Borrowers”), and Bank Hapoalim B.M. (“Bank,” “we,” or “us”) dated March 31, 2023 (as amended by that certain First Amendment dated as of April 3, 2024, and as further amended, restated, supplemented or otherwise modified, the “Existing Letter Agreement”; unless otherwise defined herein, capitalized terms are used as defined in the Existing Letter Agreement) and that certain Line of Credit Note (Committed) dated as of March 31, 2023 (as amended, restated, supplemented or otherwise modified, the “Existing Note”) made by Borrowers in favor of Bank.

AMENDED AND RESTATED INVESTORS’ RIGHTS AGREEMENT
Investors’ Rights Agreement • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions • Delaware

THIS AMENDED AND RESTATED INVESTORS’ RIGHTS AGREEMENT (this “Agreement”), is made as of the 11 day of July, 2023, by and among Lendbuzz Inc., a Delaware corporation (the “Company”), each of the investors listed on Schedule A hereto, each of which is referred to in this Agreement as an “Investor”, and each of the stockholders listed on Schedule B hereto, each of whom is referred to herein as a “Key Holder”, and any Additional Purchaser (as defined in the Purchase Agreement) that becomes a party to this Agreement in accordance with Section 6.9 hereof.

LEASE
Lease • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions

This instrument is an indenture of lease (this “Lease”), by and between 100 SUMMER OWNER LLC (the “Landlord”), a Delaware limited liability company, and LENDBUZZ, INC. (the “Tenant”), a Delaware corporation.

AMENDMENT TO THE AMENDED AND RESTATED INVESTORS’ RIGHTS AGREEMENT
Investors’ Rights Agreement • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions

This Amendment (this “Amendment”) to that Amended and Restated Investors’ Rights Agreement dated July 11, 2023 (the “IRA”) made by and among Lendbuzz Inc., a Delaware corporation (the “Company”), the investors listed on Schedule A attached hereto (the “Investors”) and the stockholders listed on Schedule B attached hereto (the “Key Holders”, and together with the Company and the Investors, the “Parties”), is entered into as of August 15, 2023 (the “Effective Date”) by and among the Parties to the IRA.

Contract
Committed Line of Credit Agreement • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions • New York

Certain information has been excluded from this agreement (indicated by “[***]”) because Lendbuzz Inc. has determined such information (i) is not material and (ii) is of the type that the registrant treats as private or confidential.

STOCK OPTION EXERCISE NOTICE FOR ISRAELI PARTICIPANT UNDER 102 CAPITAL GAINS TRACK
Stock Option Exercise Notice • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions

Pursuant to the terms of the grant notice and stock option agreement between the undersigned and Lendbuzz Inc. (the “Company”) dated [ ], 20 ] (the “Agreement”) under the Lendbuzz Inc. 2019 Equity Incentive Plan and the Sub-Plan for Participants in Israel (the “Sub-Plan” and jointly with the 2019 Equity Incentive Plan, the “Plan”) (capitalized terms used but not defined herein shall have the meanings given to them in the Plan), I, , hereby [Circle One] partially/fully exercise such option by including herein payment in the amount of US$ representing the purchase price for [ ] Shares. I have chosen the following form(s) of payment:

STOCK OPTION EXERCISE NOTICE
Stock Option Exercise Notice • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions

Pursuant to the terms of the grant notice and stock option agreement between the undersigned and Lendbuzz Inc. (the “Company”) dated [________], 2019] (the “Agreement”) under the Lendbuzz Inc. 2019 Equity Incentive Plan, I, [Insert Name], hereby [Circle One] partially/fully exercise such option by including herein payment in the amount of US$ [________] representing the purchase price for [Fill in number of Shares] Shares. I have chosen the following form(s) of payment:

AMENDED AND RESTATED REVOLVING CREDIT AND SECURITY AGREEMENT among LENDBUZZ SPV IV, LLC, as Borrower, LENDBUZZ FUNDING LLC, as Servicer, THE LENDERS FROM TIME TO TIME PARTIES HERETO, and GOLDMAN SACHS BANK USA, as Administrative Agent Dated as of...
Revolving Credit and Security Agreement • August 12th, 2024 • Lendbuzz Inc. • Personal credit institutions • New York

AMENDED AND RESTATED REVOLVING CREDIT AND SECURITY AGREEMENT, dated as of April 20, 2021, among LENDBUZZ SPV IV, LLC, a Delaware limited liability company, as borrower (together with its permitted successors and assigns, the “Borrower”), LENDBUZZ FUNDING LLC, a Delaware limited liability company, as servicer (together with its permitted successors and assigns, the “Servicer”), the LENDERS from time to time party hereto and GOLDMAN SACHS BANK USA, as administrative agent for the Secured Parties (as hereinafter defined) (in such capacity, together with its successors and assigns, the “Administrative Agent”).