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Home Source documents Pursuant to that certain Final Order Establishing Notification Procedures and

Pursuant to that certain Final Order Establishing Notification Procedures and

Summary

Exhibit 1, Procedures, filed November 2, 2022 as Doc 193-1 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. The six-page notice sets out restrictions and notification procedures for trading and transfers of beneficial ownership of Common Stock under a Final Order whose entry date is left blank. It defines a Substantial Stockholder as an owner of at least 1,848,370 shares, approximately 4.75% of outstanding shares, and requires ownership notices and Acquisition or Disposition Notices at least twenty business days before a proposed transfer. The Debtors have ten business days to object, and transfers in violation of the Procedures are stated to be null and void ab initio.

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               Case 22-10951-CTG   Doc 193-1   Filed 11/02/22   Page 1 of 6




                                      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.


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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,

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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




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