Controlled Account Agreement

Accounts Receivable Collection Account

This Controlled Account Agreement (“Agreement”) is entered into as of ______ ___ , 20__ by and between:

CARE CASH GLOBAL, a California corporation (“CCG” or “Secured Party”)

and

________________________________________ (“Borrower”)

This Agreement is executed in connection with:

  • Master Commercial Revolving Credit and Accounts Receivable Security Agreement
  • Commercial Revolving Promissory Note
  • Security Agreement
  • ACH Authorization Agreement
  • Other related Loan Documents

ARTICLE 1 — PURPOSE

Borrower acknowledges that Accounts Receivable pledged as collateral constitute a material component of the collateral securing the Credit Facility.

This Agreement establishes procedures governing the collection, administration, monitoring, and control of proceeds arising from such Accounts Receivable.

ARTICLE 2 — CONTROLLED ACCOUNT

2.1 Establishment. Borrower shall establish and maintain one or more deposit accounts acceptable to CCG (the “Controlled Account”).

2.2 Ownership. Borrower shall remain the owner of the Controlled Account, subject to the rights granted herein and under the Loan Documents.

2.3 Exclusive Account. CCG may require Borrower to direct designated receivable collections into the Controlled Account.

ARTICLE 3 — DEPOSIT OF RECEIVABLE PROCEEDS

Borrower agrees that:

  • Receivable proceeds shall be deposited promptly;
  • Collections shall not be diverted;
  • Funds shall not be transferred to undisclosed accounts;
  • Receivable proceeds shall remain identifiable.

Borrower shall not commingle collateral proceeds with unrelated funds in a manner that impairs CCG’s collateral rights.

ARTICLE 4 — CONTROL RIGHTS

4.1 Monitoring. CCG may monitor activity within the Controlled Account.

4.2 Reporting. Borrower shall provide account statements and transaction history upon request.

4.3 Information Access. Borrower authorizes financial institutions maintaining the Controlled Account to provide account information to CCG as permitted by law.

ARTICLE 5 — SWEEP RIGHTS

5.1 Application of Funds. CCG may apply funds deposited into the Controlled Account toward:

  • Scheduled loan payments;
  • Interest;
  • Fees;
  • Collection costs;
  • Other Obligations.

5.2 Excess Funds. After satisfaction of required payment obligations, remaining funds may be released to Borrower in accordance with CCG policies.

5.3 Deficiency. Nothing herein shall limit Borrower’s responsibility for any deficiency remaining after application of Controlled Account funds.

ARTICLE 6 — ACCOUNT DEBTOR NOTIFICATION

6.1 Authorization. Borrower irrevocably authorizes CCG to notify Account Debtors that Accounts Receivable have been pledged as collateral.

6.2 Payment Instructions. CCG may direct Account Debtors to remit payments directly to:

  • Controlled Accounts;
  • Collection Accounts;
  • Lockboxes;
  • Other accounts designated by CCG.

6.3 No Further Consent. Borrower waives any requirement for further notice or consent regarding such payment instructions.

ARTICLE 7 — COLLECTION RIGHTS

CCG may:

  • Verify receivables;
  • Confirm invoice balances;
  • Review payment histories;
  • Communicate with Account Debtors;
  • Resolve payment discrepancies affecting collateral.

Nothing herein shall require CCG to undertake collection activities.

ARTICLE 8 — RESTRICTIONS

Without CCG’s written consent, Borrower shall not:

8.1 Close Accounts. Close the Controlled Account.

8.2 Modify Accounts. Change account ownership or control.

8.3 Transfer Collections. Redirect receivable proceeds to another account.

8.4 Create Competing Rights. Grant any third party rights affecting the Controlled Account.

ARTICLE 9 — EVENTS OF DEFAULT

The following shall constitute defaults under this Agreement:

  • Unauthorized diversion of collections;
  • Failure to maintain the Controlled Account;
  • False reporting;
  • Failure to cooperate with account monitoring;
  • Breach of any Loan Document.

Any default under this Agreement shall constitute an Event of Default under the Credit Facility.

ARTICLE 10 — REMEDIES

Upon default, CCG may:

10.1 Exclusive Control. Assume exclusive control of the Controlled Account.

10.2 Freeze Disbursements. Suspend distributions to Borrower.

10.3 Apply Funds. Apply all available funds toward Obligations.

10.4 Direct Collection. Collect receivables directly from Account Debtors.

10.5 Additional Remedies. Exercise any rights available under:

  • Credit Agreement;
  • Security Agreement;
  • Uniform Commercial Code;
  • Applicable law.

ARTICLE 11 — FUTURE CONTROL AGREEMENTS

Borrower agrees to execute any:

  • Deposit Account Control Agreement (DACA);
  • Lockbox Agreement;
  • Bank Control Agreement;
  • Collection Account Agreement;

reasonably requested by CCG.

ARTICLE 12 — GOVERNING LAW

This Agreement shall be governed by California law. Venue shall be Los Angeles County, California.

ARTICLE 13 — ELECTRONIC SIGNATURES

Electronic signatures and electronically transmitted copies shall be enforceable as originals.

ARTICLE 14 — INTEGRATION

This Agreement shall be interpreted together with:

  • Credit Agreement
  • Security Agreement
  • Promissory Note
  • ACH Authorization Agreement
  • All Loan Documents

In the event of conflict, the Credit Agreement shall control unless otherwise stated.

Borrower — Electronic Execution

CARE CASH GLOBAL

By: Gonzalo De Vertiz

Title: CEO

Signature: ______________________________________

Date: ____________________________________