UBS AG London Branch ZC SP ETN REDEEM 12/02/2026 USD 100 – Credit Agreements Watch

from 8-K 8 pages Waiver and Second Amendment to Loan and Security Agreement

from 8-K 31 pages Loan and Security Agreement

from S-1 1 page Reference Is Made to the Financing Agreement Entered Into Between US Dated December 18, 2012, as Amended and/or Supplemented (The "Financing Agreement"). Capitalized Terms Used Herein and Not Otherwise Defined Shall Have the Meanings Given Them in the Financing Agreement. This Will Confirm That, Effective the Date Hereof, the Financing Agreement Is Hereby Amended as Follows: "3.2 Borrower Shall Pay to Lender a Facility Fee Payable on the Closing Date in the Amount of 1% of the Maximum Credit Facility and on the Anniversary of Such Date in Each Succeeding Year, in the Amount of 0.75% of the Maximum Credit Facility." Except as Hereinabove Specifically Set Forth, All of the Terms and Conditions of the Financing Agreement Shall Remain in Full Force and Effect and Shall Continue Unmodified. Very Truly Yours, Rosenthal & Rosenthal, Inc. By: David Bobby, Vice President Zoom Telephonics, Inc. By: Frank Manning President and CEO

from 8-K 39 pages Loan and Security Agreement