On December 28, 2021, FlexShopper, Inc. (the Company), through a wholly-owned subsidiary, executed Amendment No. 14 to the Credit Agreement. This Amendment increased the lender's Commitment to $57,500,000 from $47,500,000.

No other significant changes were made to the Credit Agreement. On March 6, 2015, the Company, through a wholly-owned subsidiary (the Borrower), entered into a credit agreement (as amended from time to time and including the Fee Letter (as defined therein), the Credit Agreement) with Wells Fargo Bank, National Association, as paying agent, various lenders from time to time party thereto and WE 2014-1, LLC, an affiliate of Waterfall Asset Management, LLC, as administrative agent and lender (the Lender). The foregoing description of Amendment No.

14 to the Credit Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the Credit Agreement.