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Final Order Establishing

Date
2022-11-01

Summary

Doc 187-1, filed November 1, 2022 in In re Kabbage, Inc. d/b/a KServicing, et al., Case No. 22-10951 (CTG), in the U.S. Bankruptcy Court for the District of Delaware, is Exhibit A: a Final Order Establishing Notification Procedures and Approving Restrictions on Certain Transfers of Interests in the Debtors. The order grants on a final basis the Debtors' motion dated October 3, 2022 under sections 105(a) and 362 of the Bankruptcy Code to protect their Tax Attributes. It approves procedures for trading in Common Stock, declares transfers that violate them null and void ab initio, and requires service of a notice of the final order and publication in The New York Times. The attached Procedures define a Substantial Stockholder as a holder of at least 1,848,370 shares, about 4.75% of outstanding Common Stock, and set notice deadlines. The exhibit runs 25 pages.

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Full text

              Case 22-10951-CTG   Doc 187-1   Filed 11/01/22   Page 1 of 25




                                     EXHIBIT A




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                                UNITED STATES BANKRUPTCY COURT
                                     DISTRICT OF DELAWARE

------------------------------------------------------------ x
In re                                                        :           Chapter 11
                                                             :
KABBAGE, INC. d/b/a KSERVICING, et al., :                                Case No. 22-10951 (CTG)
                                                             :
                                                             :           (Jointly Administered)
                  Debtors.1                                  :
------------------------------------------------------------ x           Re: Docket Nos. 6 & 71

                        FINAL ORDER ESTABLISHING
                NOTIFICATION PROCEDURES AND APPROVING
      RESTRICTIONS ON CERTAIN TRANSFERS OF INTERESTS IN THE DEBTORS

                    Upon the motion, dated October 3, 2022 (the “Motion”)2 of Kabbage, Inc. d/b/a

KServicing and its debtor affiliates, as debtors and debtors in possession in the above-captioned

Chapter 11 Cases (collectively, the “Debtors”), for entry of an order pursuant to sections 105(a)

and 362 of the Bankruptcy Code authorizing the Debtors to establish procedures to protect the Tax

Attributes, all as more fully set forth in the Motion; and this Court having jurisdiction to consider

the Motion and the relief requested therein pursuant to 28 U.S.C. §§ 157 and 1334, and the

Amended Standing Order of Reference from the United States District Court for the District of

Delaware, dated February 29, 2012; and consideration of the Motion and the requested relief being

a core proceeding pursuant to 28 U.S.C. § 157(b); and venue being proper before this Court

pursuant to 28 U.S.C. §§ 1408 and 1409; and due and proper notice of the Motion having been

provided as required by the Interim Order Establishing Notification Procedures and Approving



1
  The Debtors in these chapter 11 cases, along with the last four digits of each Debtor’s federal tax identification
number, as applicable are: Kabbage, Inc. d/b/a KServicing (3937); Kabbage Canada Holdings, LLC (N/A); Kabbage
Asset Securitization LLC (N/A); Kabbage Asset Funding 2017-A LLC (4803); Kabbage Asset Funding 2019-A LLC
(8973); and Kabbage Diameter, LLC (N/A). Kabbage is a trademark of American Express used under license;
Kabbage, Inc. d/b/a KServicing is not affiliated with American Express. The Debtors’ mailing and service address is
925B Peachtree Street NE, Suite 383, Atlanta, GA 30309.
2
    Capitalized terms used but not otherwise defined herein shall have the meanings ascribed to such terms in the Motion.



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Restrictions on Certain Transfers of Interests in the Debtors [Docket No. [•]] (the “Interim

Order”); and such notice having been adequate and appropriate under the circumstances and it

appearing that no other or further notice need be provided; and the Court having reviewed the

Motion; and the Court having held a hearing to consider the relief requested in the Motion on an

interim basis (the “Interim Hearing”); and the Court having entered the Interim Order; and the

Court having held a hearing to consider the relief requested in the Motion on a final basis (the

“Final Hearing”); and upon the First Day Declaration and the record of the Interim Hearing and

the Final Hearing; and the Court having determined that the legal and factual bases set forth in the

Motion establish just cause for the relief granted herein; and it appearing that the relief requested

in the Motion is in the best interests of the Debtors, their estates, their creditors, and all parties in

interest; and upon all of the proceedings had before the Court and after due deliberation and

sufficient cause appearing therefor,

                   IT IS HEREBY ORDERED THAT:

                   1.   The Motion is granted on a final basis to the extent set forth herein.

                   2.   The provisions of this Final Order shall be effective as of the Petition Date.

                   3.   The Debtors’ Tax Attributes are property of the Debtors’ estates and are

protected by section 362(a) of the Bankruptcy Code.

                   4.   The restrictions, notification requirements, and other procedures annexed

hereto as Exhibit 1 (the “Procedures”) are hereby approved and shall apply on or after the Petition

Date to all trading and transfers in the beneficial ownership of Common Stock (including directly

and indirectly, and including Options to acquire beneficial ownership of Common Stock), as

provided therein; provided, that, the Debtors may, in their sole discretion, waive in writing, any

and all restrictions, stays, and notification procedures set forth in the Procedures.


                                                   2
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                   5.   Any acquisition, disposition, or trading in the beneficial ownership of

(including directly and indirectly, and including Options to acquire beneficial ownership of

Common Stock) on or after the Petition Date, in violation of the Procedures shall be null and void

ab initio pursuant to this Court’s equitable powers under section 105(a) of the Bankruptcy Code

and as an act in violation of the automatic stay under section 362 of the Bankruptcy Code (other

than, for the avoidance of doubt, the Disregarded Transfer Notice).

                   6.   Any person or Entity that acquires, disposes of, or trades in the beneficial

ownership of Common Stock (including directly and indirectly, and including Options to acquire

beneficial ownership of Common Stock) on or after the Petition Date, in violation of this Final

Order or the Procedures or that otherwise fails to comply with their requirements shall be subject

to such sanctions as this Court may consider appropriate pursuant to this Court’s equitable power

under section 105(a) of the Bankruptcy Code.

                   7.   The notices substantially in the forms annexed hereto as Exhibit 2,

Exhibit 3, and Exhibit 4 are hereby approved.

                   8.   Within five (5) business days of the entry of this Order, the Debtors shall

serve the notice of this Final Order (the “Notice of Final Order”) substantially in the form annexed

hereto as Exhibit 5, via first class mail and email or fax (if applicable), to (i) all parties that were

served with notice of the Motion; and (ii) all registered holders of the Debtors debt and/or equity

securities. In addition, as soon as practicable after entry of the Final Order, the Debtors will publish

the Notice of Final Order once in the national edition of The New York Times. The Debtors will

also post the Procedures to the website established by Omni Agent Solutions, Inc. for these Chapter

11 Cases (which website address shall be identified in the Notice of Final Order), such notice being




                                                   3
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reasonably calculated to provide notice to all parties that may be affected by the Procedures,

whether known or unknown, and no further notice of the Procedures shall be necessary.

                   9.    Nothing herein shall preclude any person or Entity desirous of acquiring or

transferring any beneficial ownership of Common Stock (including directly and indirectly, and

including Options to acquire beneficial ownership of Common Stock) from requesting relief from

this Final Order from this Court, subject to the Debtors’ rights to oppose such relief.

                   10.   Notice of the Motion as provided therein shall be deemed good and

sufficient notice of the Motion.

                   11.   The relief granted in this Final Order is intended solely to permit the Debtors

to protect, preserve, and maximize the value of their Tax Attributes; accordingly, other than to the

extent that this Final Order expressly conditions or restricts trading in the beneficial ownership of

Common Stock (including directly and indirectly, and including Options to acquire beneficial

ownership of Common Stock), nothing in this Final Order or in the Motion shall, or shall be

deemed to, prejudice, impair, or otherwise alter or affect the rights of any holders of interests in

the Debtors, including in connection with the treatment of any such interests under the Debtors’

chapter 11 plan or any applicable bankruptcy court order.

                   12.   Notwithstanding entry of this Final Order, nothing herein shall create, nor

is intended to create, any rights in favor of or enhance the status of any claim held by any party.

                   13.   The requirements set forth in this Final Order are in addition to the

requirements of applicable securities, corporate and other laws and do not excuse noncompliance

therewith.

                   14.   The Debtors are authorized to take all action necessary or appropriate to

effectuate the relief granted in this Final Order.


                                                     4
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                   15.   This Court shall retain jurisdiction to hear and determine all matters arising

from or related to the implementation, interpretation and/or enforcement of this Final Order.




                                                   5
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                                      Exhibit 1

                                     Procedures




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                                UNITED STATES BANKRUPTCY COURT
                                     DISTRICT OF DELAWARE

------------------------------------------------------------ x
In re                                                        :          Chapter 11
                                                             :
KABBAGE, INC. d/b/a KSERVICING, et al., :                               Case No. 22-10951 (CTG)
                                                             :
                                                             :
                  Debtors.1                                  :          (Jointly Administered)
------------------------------------------------------------ x
           NOTICES, RESTRICTIONS, AND OTHER PROCEDURES REGARDING
            OWNERSHIP AND TRANSFERS OF INTERESTS IN THE DEBTORS

TO ALL PERSONS OR ENTITIES THAT BENEFICIALLY OWN EQUITY INTERESTS
IN THE DEBTORS:

                    Pursuant to that certain Final Order Establishing Notification Procedures and

Approving Restrictions on Certain Transfers of Interests in the Debtors (the “Final Order”)

entered by the United States Bankruptcy Court for the District of Delaware (the “Bankruptcy

Court”) on ____________, 2022, Docket No. No. [____], the following restrictions, notification

requirements, and/or other procedures (collectively, the “Procedures”) apply to all trading and

transfers in the beneficial ownership of Common Stock (including directly and indirectly, and

including Options to acquire beneficial ownership of Common Stock).2

A.         Common Stock Restrictions

    (1)    Definitions. For purposes of these Procedures, the following terms have the following
           meanings:

      (a)     “Common Stock” shall mean any common stock issued by Kabbage, Inc. d/b/a
KServicing. For the avoidance of doubt, by operation of the definition of Beneficial Ownership,

1
  The Debtors in these chapter 11 cases, along with the last four digits of each Debtor’s federal tax identification
number, as applicable are: Kabbage, Inc. d/b/a KServicing (3937); Kabbage Canada Holdings, LLC (N/A); Kabbage
Asset Securitization LLC (N/A); Kabbage Asset Funding 2017-A LLC (4803); Kabbage Asset Funding 2019-A LLC
(8973); and Kabbage Diameter, LLC (N/A). Kabbage is a trademark of American Express used under license;
Kabbage, Inc. d/b/a KServicing is not affiliated with American Express. The Debtors’ mailing and service address is
925B Peachtree Street NE, Suite 383, Atlanta, GA 30309.
2
    Capitalized terms used, but not defined, herein shall have the meanings ascribed to them in the Final Order.




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an owner of an Option to acquire Common Stock may be treated as the owner of such Common
Stock.

        (b)     “Option” shall mean any contingent purchase, warrant, convertible debt, put, stock
subject to risk of forfeiture, contract to acquire stock, or similar interest regardless of whether it is
contingent, subject to vesting or otherwise not currently exercisable.

        (c)    “Beneficial ownership” of Common Stock and Options to acquire Common Stock
shall be determined in accordance with section 382 of the title 26 of the United States Code
(the “Tax Code”), the regulations promulgated by the U.S. Department of the Treasury under the
Tax Code (the “Treasury Regulations”), rulings issued by the Internal Revenue Service
(the “IRS”), and the rules described herein, and thus shall include, without limitation, (i) direct
and indirect ownership, determined without regard to any rule that treats stock of an entity as to
which the constructive ownership rules apply as no longer owned by that entity (e.g., a holding
company would be considered to beneficially own all stock owned or acquired by its subsidiaries),
(ii) ownership by a holder’s family members, (iii) ownership by any group of persons acting
pursuant to a formal or informal understanding among themselves to make a coordinated
acquisition of stock, and (iv) to the extent set forth in Treasury Regulations section 1.382-4, the
ownership of an Option to acquire beneficial ownership of Common Stock.

       (d)    “Entity” shall mean any “entity” as such term is defined in Treasury Regulations
section 1.382-3(a), including a group of persons who have a formal or informal understanding
among themselves to make a coordinated acquisition of stock.

         (e)    “Substantial Stockholder” shall mean any Entity or person that beneficially owns
at least 1,848,3703 shares of Common Stock (representing approximately 4.75% of all issued and
outstanding shares of Common Stock as of the Petition Date).

    (2)    Notice of Substantial Ownership. Any person or Entity that beneficially owns, at any time
           on or after the Petition Date, Common Stock in an amount sufficient to qualify such person
           or Entity as a Substantial Stockholder shall file with this Court and serve via first class mail
           and email or fax (if applicable) upon (i) the Debtors, 925B Peachtree Street NE, Suite 383,
           Atlanta, GA 30309 (Attn: David Walker (dwalker@kservicecorp.com) and Holly Loiseau
           (hloiseau@kservicecorp.com)); (ii) proposed attorneys for the Debtors, (x) Weil, Gotshal
           & Manges LLP, 767 Fifth Avenue, New York, New York 10153 (Attn: Natasha S.
           Hwangpo              (natasha.hwangpo@weil.com)               and           Chase            A.
           Bentley (chase.bentley@weil.com)); and (y) Richards, Layton & Finger, P.A., One
           Rodney Square, 920 North King Street, Wilmington, DE 19801 (Attn: Amanda R. Steele
           (steele@rlf.com) and Zachary I. Shapiro (shapiro@rlf.com)); and (iii) attorneys for any
           statutory committee of unsecured creditors appointed in this case (collectively,
           the “Disclosure Parties”) a notice of such person’s or Entity’s substantial ownership
           (a “Substantial Stock Ownership Notice”), in substantially the form annexed to the
           Proposed Orders as Exhibit 2, which describes specifically and in detail such person’s or
           Entity’s beneficial ownership of Common Stock, on or before the date that is the later of
           (x) twenty (20) calendar days after the entry of the order granting the requested relief or

3
    As of the Petition Date, there were 38,913,048 shares of common stock outstanding.


                                                          2
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         (y) ten (10) business days after such person or Entity qualifies as a Substantial Stockholder.
         At the election of the Substantial Stockholder, the Substantial Stock Ownership Notice to
         be filed with this Court (but not the Substantial Stock Ownership Notice that is served upon
         the Disclosure Parties) may be redacted to exclude all but the last four (4) digits of the
         Substantial Stockholder’s taxpayer identification number and any person or Entity (other
         than the Debtors) required to file a Substantial Stock Ownership Notice(s), pursuant to
         these Procedures, may, but is not required to, exclude the amount of Common Stock that
         the Substantial Stockholder beneficially owns.

 (3)     Acquisition of Common Stock. At least twenty (20) business days prior to the proposed
         date of any transfer in the beneficial ownership of Common Stock (including directly or
         indirectly, and including the grant or other acquisition of Options to acquire beneficial
         ownership of Common Stock) or exercise of any Option to acquire beneficial ownership
         of Common Stock that would result in an increase in the amount of Common Stock
         beneficially owned by any person or Entity that currently is or, as a result of the proposed
         transaction, would be a Substantial Stockholder (a “Proposed Acquisition Transaction”),
         such acquiring or increasing person or Entity or Substantial Stockholder (a “Proposed
         Transferee”) shall file with this Court and serve via first class mail and email or fax (if
         applicable) upon the Disclosure Parties a notice of such Proposed Transferee’s intent to
         purchase, acquire, or otherwise accumulate Common Stock (an “Acquisition Notice”), in
         substantially the form annexed to the Proposed Orders as Exhibit 3, which describes
         specifically and in detail the Proposed Acquisition Transaction. At the election of the
         Proposed Transferee, the Acquisition Notice to be filed with this Court (but not the
         Acquisition Notice that is served upon the Disclosure Parties) may be redacted to exclude
         all but the last four (4) digits of the Proposed Transferee’s taxpayer identification number
         and any person or Entity (other than the Debtors) required to file an Acquisition Notice(s),
         pursuant to these Procedures, may, but is not required to, exclude the amount of Common
         Stock that the Proposed Transferee beneficially owns or that such person or Entity plans to
         acquire or purchase.

 (4)     Disposition of Common Stock. At least twenty (20) business days prior to the proposed
         date of any transfer or other disposition in the beneficial ownership of Common Stock
         (including directly and indirectly, and Options to acquire beneficial ownership of Common
         Stock) that would result in either a decrease in the amount of Common Stock beneficially
         owned by a Substantial Stockholder or a person or Entity ceasing to be a Substantial
         Stockholder (a “Proposed Disposition Transaction” and, together with a Proposed
         Acquisition Transaction, a “Proposed Transaction”), such selling or decreasing person or
         Entity or Substantial Stockholder (a “Proposed Transferor”) shall file with this Court and
         serve via first class mail and email or fax (if applicable) upon the Disclosure Parties a notice
         of such Proposed Transferor’s intent to sell, trade, or otherwise transfer its beneficial
         ownership of Common Stock (a “Disposition Notice” and, together with an Acquisition
         Notice, a “Trading Notice”), in substantially the form annexed to the Proposed Orders as
         Exhibit 4, which describes specifically and in detail the Proposed Disposition Transaction.
         At the election of the Proposed Transferor, the Disposition Notice to be filed with this
         Court (but not the Disposition Notice that is served upon the Disclosure Parties) may be
         redacted to exclude all but the last four (4) digits of the Proposed Transferor’s taxpayer
         identification number and any person or Entity (other than the Debtors) required to file a

                                                    3
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         Disposition Notice(s), pursuant to these Procedures, may, but is not required to, exclude
         the amount of Common Stock that the Proposed Transferor beneficially owns or that such
         person or Entity plans to dispose of or transfer.

 (5)     Certain Pre-Approval Exceptions. For the avoidance of doubt, a pre-transfer Trading
         Notice is not required to be filed in connection with a transfer of beneficial ownership of
         Common Stock (i) from a person to an entity that is disregarded for U.S. federal income
         tax purposes as being separate from the person (a “Disregarded Entity”), or from such
         Disregarded Entity to such person; (ii) from a person to a trust whose assets are treated as
         being solely owned by such person for U.S. federal income tax purposes (a “Grantor
         Trust”), or from such Grantor Trust to such person; (iii) from a Disregarded Entity to any
         one or more other Disregarded Entities or Grantor Trusts if the same person is treated as
         the owner or taxpayer with respect to all of the assets of such Disregarded Entities or
         Grantor Trusts for U.S. federal income tax purposes; and (iv) from a Grantor Trust to any
         one or more other Grantor Trusts or Disregarded Entities if the same person is treated as
         the owner or taxpayer with respect to all of the assets of such Grantor Trusts and
         Disregarded Entities for U.S. federal income tax purposes. However, in the event of any
         such transfer for which a Trading Notice would otherwise have been required if the
         Disregarded Entities or Grantor Trusts involved had not been so disregarded for U.S.
         federal income tax purposes, that transferor or transferee shall no more than twenty (20)
         business days after the date of transfer serve via first class mail and email or fax (if
         applicable) upon the Disclosure Parties a notice substantially similar to the equivalent
         Trading Notice (a “Disregarded Transfer Notice”); however, absent gross negligence or
         reckless or intentional disregard, the failure to timely file such notice shall not be subject
         to sanctions.

 (6)     Objection Procedures. The Debtors shall have ten (10) business days after the filing of a
         Trading Notice (the “Objection Period”) to file with this Court and serve on a Proposed
         Transferee or a Proposed Transferor, as the case may be, an objection
         (each, an “Objection”) to any Proposed Transaction described in such Trading Notice. If
         the Debtors file an Objection by the expiration of the Objection Period (the “Objection
         Deadline”), then the applicable Proposed Transaction shall not be effective unless
         approved by a final and nonappealable order of this Court. If the Debtors do not file an
         Objection by the Objection Deadline or if the Debtors provide written authorization to the
         Proposed Transferee or the Proposed Transferor, as the case may be, approving the
         Proposed Transaction prior to the Objection Deadline, then such Proposed Transaction may
         proceed solely as specifically described in the applicable Trading Notice. Any further
         Proposed Transaction must be the subject of an additional Trading Notice and Objection
         Period.

B.       Noncompliance with the Procedures.

Any acquisition, disposition, or trading in the beneficial ownership of Common Stock (including
directly and indirectly, and Options to acquire beneficial ownership of Common Stock) in violation
of these Procedures shall be null and void ab initio pursuant to the Bankruptcy Court’s equitable
powers under section 105(a) of the Bankruptcy Code and as an act in violation of the automatic
stay under section 362 of the Bankruptcy Code. Furthermore, any person or Entity that acquires,

                                                   4
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disposes of, or trades in the beneficial ownership of Common Stock (including directly and
indirectly, and Options to acquire beneficial ownership of Common Stock) in violation of these
Procedures shall be subject to sanctions as provided by law.

C.       Debtors’ Right to Waive.

The Debtors may, in their sole discretion, waive, in writing, any and all restrictions, stays,
and notification Procedures contained in this Notice.


Dated:       Wilmington, Delaware                 BY ORDER OF THE COURT
             _____________, 2022




                                              5
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                                        Exhibit 2

                          Notice of Substantial Stock Ownership




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                              UNITED STATES BANKRUPTCY COURT
                                   DISTRICT OF DELAWARE

------------------------------------------------------------ x
In re                                                        :        Chapter 11
                                                             :
KABBAGE, INC. d/b/a KSERVICING, et al., :                             Case No. 22-10951 (CTG)
                                                             :
                                                             :
                  Debtors.1                                  :        (Jointly Administered)
------------------------------------------------------------ x

                          NOTICE OF SUBSTANTIAL STOCK OWNERSHIP

                       PLEASE TAKE NOTICE that, pursuant to that certain Final Order
Establishing Notification Procedures and Approving Restrictions on Certain Transfers of Interests
in the Debtors of the United States Bankruptcy Court for the District of Delaware, dated
[________], 2022, Docket No. No. [__] (with all exhibits thereto, the “Final Order”), [Name of
Filer] (the “Filer”) hereby provides notice that, as of the date hereof, the Filer beneficially owns
(including directly and indirectly):

                   (i)    __________ shares of Common Stock,2 and/or

                   (ii)   Options to acquire (directly or indirectly) __________ shares of Common
                          Stock.

                       PLEASE TAKE FURTHER NOTICE that the taxpayer identification
number of the Filer is ______________.

                      PLEASE TAKE FURTHER NOTICE that the following table sets forth
the following information:

                For Common Stock and/or Options to acquire beneficial ownership of Common
Stock that are owned directly by the Filer, the table sets forth (a) the number of shares of Common
Stock and/or the number of shares underlying Options beneficially owned by such Filer and (b)
the date(s) on which such shares and/or Options were acquired (categorized by class, as
applicable).



1
  The Debtors in these chapter 11 cases, along with the last four digits of each Debtor’s federal tax identification
number, as applicable are: Kabbage, Inc. d/b/a KServicing (3937); Kabbage Canada Holdings, LLC (N/A); Kabbage
Asset Securitization LLC (N/A); Kabbage Asset Funding 2017-A LLC (4803); Kabbage Asset Funding 2019-A LLC
(8973); and Kabbage Diameter, LLC (N/A). Kabbage is a trademark of American Express used under license;
Kabbage, Inc. d/b/a KServicing is not affiliated with American Express. The Debtors’ mailing and service address is
925B Peachtree Street NE, Suite 383, Atlanta, GA 30309.
2
 Capitalized terms used, but not defined, herein, and the term “beneficial ownership” (and derivatives thereof), shall
have the meanings ascribed to them in Exhibit 1 to the Final Order.



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                In the case of Common Stock and/or Options to acquire beneficial ownership of
Common Stock that are not owned directly by the Filer but are nonetheless beneficially owned by
the Filer, the table sets forth (a) the name(s) of each record or legal owner of such shares of
Common Stock and/or Options to acquire shares of Common Stock that are beneficially owned by
the Filer, (b) the number of shares of Common Stock and/or the number of shares of Common
Stock underlying Options beneficially owned by such Filer, and (c) the date(s) on which such
Common Stock and/or Options were acquired (categorized by class, as applicable).

         Class            Name of             Shares         Shares Underlying         Date(s)
                          Owner             Beneficially     Options Beneficially     Acquired
                                              Owned                Owned
   Common Stock

                            (Attach additional pages if necessary.)

               [[IF APPLICABLE:] The Filer is represented by [name of law firm], [address],
[phone], (Attn: [name of attorney]).]

                                           Respectfully submitted,


                                           [Name of Filer]

                                           By:
                                           Name:

                                           Address:


                                           Telephone:
                                           Facsimile:
                                           Date: _________________________




                                              2
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                                        Exhibit 3

       Notice of Intent to Purchase, Acquire, or Otherwise Accumulate Common Stock




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                              UNITED STATES BANKRUPTCY COURT
                                   DISTRICT OF DELAWARE

------------------------------------------------------------ x
In re                                                        :        Chapter 11
                                                             :
KABBAGE, INC. d/b/a KSERVICING, et al., :                             Case No. 22-10951 (CTG)
                                                             :
                                                             :
                  Debtors.1                                  :        (Jointly Administered)
------------------------------------------------------------ x
                        NOTICE OF INTENT TO PURCHASE,
              ACQUIRE, OR OTHERWISE ACCUMULATE COMMON STOCK

                       PLEASE TAKE NOTICE that, pursuant to that certain Final Order
Establishing Notification Procedures and Approving Restrictions on Certain Transfers of Interests
in the Debtors of the United States Bankruptcy Court for the District of Delaware, dated
[________], 2022, Docket No. [__] (with all exhibits thereto, the “Final Order”), [Name of Filer]
(the “Filer”) hereby provides notice of (i) its intention to purchase, acquire, or otherwise
accumulate beneficial ownership (including directly and indirectly) of one or more shares of
Common Stock2 and/or Options to acquire beneficial ownership of Common Stock and/or (ii) a
proposed purchase or acquisition in the beneficial ownership of Common Stock and/or Options to
acquire beneficial ownership of Common Stock that would result in an increase in the number of
shares of Common Stock and/or the number of shares of Common Stock underlying Options that
are beneficially owned by the Filer (any proposed transaction described in clauses (i) or (ii), a
“Proposed Transfer”).

                      PLEASE TAKE FURTHER NOTICE that the following table sets forth
the following information:

               1. If the Proposed Transfer involves the purchase or acquisition by the Filer of
beneficial ownership of Common Stock and/or Options to acquire beneficial ownership of
Common Stock, the table sets forth (a) the number of shares of Common Stock and/or the number
of shares of Common Stock underlying Options proposed to be purchased or acquired and (b) the
date(s) of such Proposed Transfer (categorized by class, as applicable).

              2. If the Proposed Transfer involves the purchase or acquisition in the beneficial
ownership of Common Stock and/or Options to acquire beneficial ownership of Common Stock
1
  The Debtors in these chapter 11 cases, along with the last four digits of each Debtor’s federal tax identification
number, as applicable are: Kabbage, Inc. d/b/a KServicing (3937); Kabbage Canada Holdings, LLC (N/A); Kabbage
Asset Securitization LLC (N/A); Kabbage Asset Funding 2017-A LLC (4803); Kabbage Asset Funding 2019-A LLC
(8973); and Kabbage Diameter, LLC (N/A). Kabbage is a trademark of American Express used under license;
Kabbage, Inc. d/b/a KServicing is not affiliated with American Express. The Debtors’ mailing and service address is
925B Peachtree Street NE, Suite 383, Atlanta, GA 30309.
2
 Capitalized terms used, but not defined, herein, and the term “beneficial ownership” (and derivatives thereof), shall
have the meanings ascribed to them in Exhibit 1 to the Final Order.




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by a person or Entity other than the Filer, but the Proposed Transfer nonetheless would increase
the number of shares of Common Stock and/or the number of shares of Common Stock underlying
Options that are beneficially owned by the Filer, the table sets forth (a) the name(s) of each such
person or Entity that proposes to purchase or acquire such shares of Common Stock and/or
Options, (b) the number of shares of Common Stock and/or the number of shares of Common
Stock underlying Options proposed to be purchased or acquired (directly or indirectly), and (c) the
date(s) of such Proposed Transfer (categorized by class, as applicable).

         Class         Name of         Shares to be           Shares Underlying        Date(s) of
                      Purchaser        Purchased or             Options to be          Proposed
                         or          Acquired (Directly     Purchased or Acquired      Transfer
                      Acquirer         or Indirectly)       (Directly or Indirectly)
  Common Stock

                              (Attach additional page if necessary.)

                         PLEASE TAKE FURTHER NOTICE that the following table
summarizes the Filer’s beneficial ownership of Common Stock and/or Options to acquire
beneficial ownership of Common Stock assuming that the Proposed Transfer is approved and
consummated as described above. The table sets forth, as of immediately following the
consummation of the Proposed Transfer, the number of shares of Common Stock and/or the
number of shares of Common Stock underlying Options (a) that would be owned directly by the
Filer and, (b) in the case of any beneficial ownership by the Filer of Common Stock and/or Options
that would be owned by another person or Entity as record or legal owner, the name(s) of each
prospective record or legal owner and the number of shares of Common Stock and/or the number
of shares of Common Stock underlying Options that would be owned by each such record or legal
owner (categorized by class, as applicable):

          Class                Name of            Shares to Be Owned        Shares Underlying
                               Owner                                       Options to Be Owned
    Common Stock

                              (Attach additional page if necessary.)

                        PLEASE TAKE FURTHER NOTICE that if the Proposed Transfer
involves a purchase or acquisition of beneficial ownership of Common Stock and/or Options to
acquire beneficial ownership of Common Stock by the Filer and such Proposed Transfer would
result in (a) an increase in the beneficial ownership of Common Stock and/or Options to acquire
beneficial ownership of Common Stock by a person or Entity (other than the Filer) that currently
is a Substantial Stockholder or (b) a person or Entity (other than the Filer) becoming a Substantial
Stockholder, the following table sets forth (i) the name of each such person or Entity, (ii) the
number of shares of Common Stock and/or the number of shares of Common Stock underlying
Options that are beneficially owned by such person or Entity currently (i.e., prior to the Proposed
Transfer), and (iii) the number of shares of Common Stock and/or the number of shares of
Common Stock underlying Options that would be beneficially owned by such person or Entity
immediately following the Proposed Transfer (categorized by class, as applicable).



                                                 2
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     Class          Name of     Shares Owned          Shares           Shares          Shares
                   Beneficial     Currently       to Be Owned       Underlying      Underlying
                    Owner        (Directly or       Following         Options      Options to Be
                                  Indirectly)        Proposed          Owned           Owned
                                                     Transfer        Currently       Following
                                                   (Directly or     (Directly or      Proposed
                                                    Indirectly)      Indirectly)      Transfer
                                                                                    (Directly or
                                                                                     Indirectly)
  Common
   Stock

                                (Attach additional page if necessary.)

                       PLEASE TAKE FURTHER NOTICE that the taxpayer identification
number of the Filer is ______________.

                        PLEASE TAKE FURTHER NOTICE that, under penalty of perjury, the
Filer hereby declares that it has examined this Notice and accompanying attachments (if any), and,
to the best of its knowledge and belief, this Notice and any attachments which purport to be part
of this Notice are true, correct, and complete.

                [[IF APPLICABLE:] The Filer is represented by [name of law firm], [address],
[phone], (Attn: [name of attorney]).]

                                                Respectfully submitted,


                                                [Name of Filer]

                                                By:
                                                Name:

                                                Address:


                                                Telephone:
                                                Facsimile:


                                                Date: _____________________




                                                   3
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                                           Exhibit 4

              Notice of Intent to Sell, Trade, or Otherwise Transfer Common Stock




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              Case 22-10951-CTG              Doc 187-1        Filed 11/01/22         Page 21 of 25




                              UNITED STATES BANKRUPTCY COURT
                                   DISTRICT OF DELAWARE

------------------------------------------------------------ x
In re                                                        :        Chapter 11
                                                             :
KABBAGE, INC. d/b/a KSERVICING, et al., :                             Case No. 22-10951 (CTG)
                                                             :
                                                             :
                  Debtors.1                                  :        (Jointly Administered)
------------------------------------------------------------ x
                           NOTICE OF INTENT TO SELL, TRADE,
                        OR OTHERWISE TRANSFER COMMON STOCK

                       PLEASE TAKE NOTICE that, pursuant to that certain Final Order
Establishing Notification Procedures and Approving Restrictions on Certain Transfers of Interests
in the Debtors, dated [________], 2022, Docket No. [__] (with all exhibits thereto, the “Final
Order”), [Name of Filer] (the “Filer”) hereby provides notice of (i) its intention to sell, trade, or
otherwise transfer or dispose of beneficial ownership (including directly and indirectly) of one or
more shares of Common Stock2 and/or Options to acquire beneficial ownership of Common Stock
and/or (ii) a proposed sale, transfer, or disposition in the beneficial ownership of Common Stock
and/or Options to acquire beneficial ownership of Common Stock that would result in a decrease
in the number of shares of Common Stock and/or the number of shares of Common Stock
underlying Options to acquire Common Stock that are beneficially owned by the Filer (any
proposed transaction described in clauses (i) or (ii), a “Proposed Transfer”).

                      PLEASE TAKE FURTHER NOTICE that the following table sets forth
the following information:

               1. If the Proposed Transfer involves the sale, transfer, or disposition by the Filer
of beneficial ownership of Common Stock and/or Options to acquire beneficial ownership of
Common Stock, the table sets forth (a) the number of shares of Common Stock and/or the number
of shares of Common Stock underlying Options proposed to be sold, transferred, or disposed of
and (b) the date(s) of such Proposed Transfer (categorized by class, as applicable).

              2. If the Proposed Transfer involves the sale, transfer or disposition in the
beneficial ownership of Common Stock and/or Options to acquire beneficial ownership of
Common Stock by a person or Entity other than the Filer, but the Proposed Transfer nonetheless
1
  The Debtors in these chapter 11 cases, along with the last four digits of each Debtor’s federal tax identification
number, as applicable are: Kabbage, Inc. d/b/a KServicing (3937); Kabbage Canada Holdings, LLC (N/A); Kabbage
Asset Securitization LLC (N/A); Kabbage Asset Funding 2017-A LLC (4803); Kabbage Asset Funding 2019-A LLC
(8973); and Kabbage Diameter, LLC (N/A). Kabbage is a trademark of American Express used under license;
Kabbage, Inc. d/b/a KServicing is not affiliated with American Express. The Debtors’ mailing and service address is
925B Peachtree Street NE, Suite 383, Atlanta, GA 30309.
2
 Capitalized terms used, but not defined, herein, and the term “beneficial ownership” (and derivatives thereof), shall
have the meanings ascribed to them in Exhibit 1 to the Final Order.



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would decrease the number of shares of Common Stock and/or the number of shares of Common
Stock underlying Options that are beneficially owned by the Filer, the table sets forth (a) the
name(s) of each such person or Entity that proposes to sell, transfer, or dispose of such Common
Stock and/or Options; (b) the number of shares of Common Stock and/or the number of shares of
Common Stock underlying Options proposed to be so sold, transferred, or disposed of (directly or
indirectly); and (c) the date(s) of such Proposed Transfer (categorized by class, as applicable).

      Class         Name of           Shares to Be Sold,        Shares Underlying       Date(s) of
                   Transferor           Transferred, or         Options to Be Sold,     Proposed
                                     Disposed Of (Directly        Transferred, or       Transfer
                                         or Indirectly)        Disposed Of (Directly
                                                                   or Indirectly)
    Common
     Stock

                                (Attach additional page if necessary.)

                         PLEASE TAKE FURTHER NOTICE that the following table
summarizes the Filer’s beneficial ownership of Common Stock and/or Options to acquire
beneficial ownership of Common Stock assuming that the Proposed Transfer is approved and
consummated as described above. The table sets forth, as of immediately following the
consummation of the Proposed Transfer, the number of shares of Common Stock and/or the
number of shares of Common Stock underlying Options (a) that would be owned directly by the
Filer and, (b) in the case of any beneficial ownership by the Filer of Common Stock and/or Options
that would be owned by another person or Entity as record or legal owner, the name(s) of each
prospective record or legal owner and the number of shares of Common Stock and/or the number
of shares of Common Stock underlying Options that would be owned by each such record or legal
owner (categorized by class, as applicable):

        Class            Name of             Shares to Be Owned          Shares Underlying Options
                         Owner                                                  to Be Owned
  Common Stock

                                (Attach additional page if necessary.)

                        PLEASE TAKE FURTHER NOTICE that if the Proposed Transfer
involves a sale, transfer, or disposition of beneficial ownership of Common Stock and/or Options
to acquire beneficial ownership of Common Stock by the Filer and such Proposed Transfer would
result in (a) a decrease in the beneficial ownership of Common Stock and/or Options to acquire
beneficial ownership of Common Stock by a person or Entity (other than the Filer) that currently
is a Substantial Stockholder or (b) a person or Entity (other than the Filer) becoming a Substantial
Stockholder, the following table sets forth (i) the name of each such person or Entity, (ii) the
number of shares of Common Stock and/or the number of shares of Common Stock underlying
Options that are beneficially owned by such person or Entity currently (i.e., prior to the Proposed
Transfer), and (iii) the number of shares of Common Stock and/or the number of shares of
Common Stock underlying Options that would be beneficially owned by such person or Entity
immediately following the Proposed Transfer (categorized by class, as applicable).

                                                  2
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    Class           Name of     Shares Owned     Shares to Be          Shares           Shares
                   Beneficial     Currently         Owned           Underlying       Underlying
                    Owner        (Directly or     Following        Options Owned    Options to Be
                                  Indirectly)      Proposed          Currently          Owned
                                                   Transfer         (Directly or      Following
                                                 (Directly or        Indirectly)       Proposed
                                                  Indirectly)                          Transfer
                                                                                     (Directly or
                                                                                      Indirectly)
  Common
   Stock

                                  (Attach additional page if necessary.)

                       PLEASE TAKE FURTHER NOTICE that the taxpayer identification
number of the Filer is ______________.

                        PLEASE TAKE FURTHER NOTICE that, under penalty of perjury, the
Filer hereby declares that it has examined this Notice and accompanying attachments (if any), and,
to the best of its knowledge and belief, this Notice and any attachments which purport to be part
of this Notice are true, correct, and complete.

               [[IF APPLICABLE:] The Filer is represented by [name of law firm], [address],
[phone], (Attn: [name of attorney]).]

                                                 Respectfully submitted,


                                                 [Name of Filer]

                                                 By:
                                                 Name:

                                                 Address:


                                                 Telephone:
                                                 Facsimile:


                                                 Date: _________________________




                                                    3
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                                        Exhibit 5

                                  Notice of Final Order




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ATTENTION DIRECT AND INDIRECT HOLDERS OF, AND PROSPECTIVE
HOLDERS OF STOCK ISSUED BY KABBAGE, INC. D/B/A KSERVICING:

Upon the motion (the “Motion”) of Kabbage, Inc. d/b/a KServicing and its debtor affiliates, as
debtors and debtors in possession in the above-captioned Chapter 11 Cases (collectively,
the “Debtors”), on ____, 2022, the United States Bankruptcy Court for the District of Delaware
(the “Bankruptcy Court”), having jurisdiction over the chapter 11 cases of the Debtors, captioned
as In re Kabbage, Inc. d/b/a KServicing, et al., No. ____ (__) (the “Chapter 11 Cases”), entered
a final order establishing procedures (the “Procedures”) with respect to transfers in the beneficial
ownership (including directly and indirectly) of common stock of the Debtors (“Common Stock”)
and options to acquire beneficial ownership of Common Stock.

In certain circumstances, the procedures restrict transactions involving, and require notices of the
holdings of and proposed transactions by, any person, group of persons, or entity that either (i) is
a Substantial Stockholder of the Common Stock or (ii) as a result of such a transaction, would
become a Substantial Stockholder of the Common Stock. For purposes of the procedures, a
“Substantial Stockholder” is any person or entity (within the meaning of applicable regulations
promulgated by the U.S. Department of the Treasury, including certain persons making a
coordinated acquisition of stock) that beneficially owns (including options to acquire and direct or
indirect ownership) at least 1,848,3701 shares of Common Stock (representing approximately
4.75% of all issued and outstanding shares of Common Stock as of the Petition Date). Any
prohibited acquisition or other transfer of Common Stock (including options to acquire
beneficial ownership of Common Stock) will be null and void ab initio and may lead to contempt,
compensatory damages, punitive damages, or sanctions being imposed by the Bankruptcy Court.

The Procedures are available on the website of Omni Agent Solutions, Inc., the Debtors’ Court-
approved claims agent, located at https://omniagentsolutions.com/kservicing, and on the docket
of the Chapter 11 Cases, Docket No. _____, which can be accessed via PACER at
https://www.pacer.gov.

The requirements set forth in the Procedures are in addition to the requirements of applicable
securities, corporate, and other laws and do not excuse noncompliance therewith.

A direct or indirect holder of, or prospective holder of, Common Stock that may be or
become a Substantial Stockholder should consult the Procedures.

Dated:         Wilmington, Delaware                            BY ORDER OF THE COURT
               _____________, 2022




1
    As of the Petition Date, there were 38,913,048 shares of common stock outstanding.




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