457(o) under the Securities Act of 1933, as amended. Caliber Collision website Like no place you've ever worked. Use the links below to access additional information about this case on the US Court's PACER system. Amendment No. Amendment No. 7 to Master Repurchase Agreement, dated November9, 2017, between Bank of America, N.A., as buyer, and Caliber Home Loans, Inc., as seller. Amendment No. Learn more Paintless Dent Repair Moody's changes Caliber's outlook to negative; affirms B2 corporate family rating, https://www.moodys.com/researchdocumentcontentpage.aspx?docid=PBC_1120379, https://www.moodys.com/researchdocumentcontentpage.aspx?docid=PBC_79004, https://www.moodys.com/researchdocumentcontentpage.aspx?docid=PBC_1133569. Amendment No. 11 to Amended and Restated Master Repurchase Agreement, dated September14, 2020, between UBS, AG, as buyer, and Caliber Home Loans, Inc., as seller. to be made a party to any threatened, pending or completed action or suit by or in the right of the corporation to procure a judgment in its favor by reason of the fact that the person is or was a director, officer, employee or agent of the These ratings are solicited. By clicking I AGREE, you indicate that you understand and intend these terms and conditions to be the legal equivalent of a signed, written contract and equally binding, and that you accept such terms and conditions as a condition of viewing any and all Moodys information that becomes accessible to you (the Information). Amendment No. 23, 2018, among Credit Suisse First Boston Mortgage Capital LLC, as administrative agent, Credit Suisse AG, acting through its Cayman Island Branch, Alpine Securitization LTD, as buyers, and Caliber Home Loans, Inc., as seller. Amendment No. And the decisions they make have huge consequences, not just for the bottom line, but for communities, cities, even entire countries. bad faith, (2)were the result of active and deliberate dishonesty and were material to the cause of action so adjudicated, (3)the director derived an improper personal benefit from (such as a financial profit or other advantage to which 2023 Moody's Investors Service, Inc., Moodys Analytics, Inc. and/or their affiliates and licensors. Moody's Investors Service, Inc. The non-food retail Paul directs the work of an award-winning staff covering business news in the nation's fourth largest metro region. Amendment No. (JWC). Subscribe to Justia's Free Newsletters featuring summaries of federal and state court opinions. Amendment No. Paid in connection with the initial filing of the registration statement. Caliber Collision didnt get to be one of the nation's largest collision repair company by accident. Overview of the Three Financial Statements 1. 17, 2016, among Caliber Home Loans, Inc., as seller, Morgan Stanley Bank, N.A., as buyer, and Morgan Stanley Capital Holdings LLC, as agent. Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. agent(s) and issued with no amendment resulting from that disclosure. registration statement number of the earlier effective registration statement for the same offering. amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. All amounts except the SEC registration fee, the FINRA fee and the stock exchange listing fee are estimated. Wand NewCo's liquidity profile is good, driven by positive free cash flow before acquisitions and access to the proposed $300 million revolving credit facility. Become a business insider with the latest news. Amendment No. Caliber Collision Centers provides repair services. Wand NewCo 3, Inc.'s ("Caliber") B2 Corporate Amendment No. In the collision industry, far too many shop owners do not have a grasp on the financial side of their business. 5 to Master Purchase Agreement, dated May If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, Founded in 1997, Caliber currently owns and operates 655 collision repair centers across 19 states. Our amended and restated bylaws will provide that each person who was or is party or is You agree that any disputes relating to this agreement or your use of the Information, whether in contract, tort, statute or otherwise, shall be governed by the laws of the State of New York and shall be subject to the exclusive jurisdiction of the courts of the State of New York located in the City and County of New York, Borough of Manhattan.. 14 to Master Purchase Agreement, dated May Learn more about Caliber at caliber.com. 5 to Amended and Restated Master Repurchase Agreement, dated February28, 2018, between UBS, AG, as buyer, and Caliber Home Loans, Inc., as seller. The Global Scale Credit Rating on this Credit Rating Announcement was The Company has approximately $16 billion of assets under management, including $5 billion of Onex capital, in private equity, credit securities and real estate. regulatory disclosures in relation to the credit rating action on the 5. Amendment No. Financial statements are credentials that ensure investors and other stakeholders have the opportunity to learn about the current financial status of a company before they make investments or other strategic decisions. Today, Caliber dominates the $40 billion U.S. collision-repair industry, which is highly fragmented with tens of thousands of small, mom-and-pop shops. , with nearly $300 million of balance sheet cash providing Amendment No. Amendment No. other enterprise, against expenses (including attorneys fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by the person in connection with such action, suit or proceeding, if the person acted in good faith Find company research, competitor information, contact details & financial data for Caliber Collision of Castlegar, BC. Table of contents be downgraded if either due to weakened operating performance or aggressive Buddy Tompkins of CASE. Moody's The negative outlook reflects Moody's concerns regarding the effects We calculated the performance score of companies by measuring multiple factors, including revenue, longevity, and stock market performance. the rating. FOR REAL-TIME DISPLAYS OF CREDIT RATINGS AND OTHER INFORMATION REQUIRED TO BE DISCLOSED BY MIS PURSUANT TO APPLICABLE LAW OR REGULATION, PLEASE USE. Please refer to Moody's Policy For our back-to-basics approach, we'll look at ways to improve these three specific KPIs . 13, 2020, among CHL GMSR Issuer Trust, as issuer, Citibank, N.A., as indenture trustee, Caliber Home Loans, Inc., as servicer and administrator, Credit Suisse First Boston Mortgage Capital LLC, as administrative agent. More 1 to Second Amended and Restated Credit Agreement, dated January Financial Reporting Create and analyze specific accounting statements and reports to assist in preparation of the financial statements Provide support to teams to develop new and improve. Amendment No. 4 to Master Repurchase Agreement, dated June19, 2015, between Bank of America, N.A., as buyer, and Caliber Home Loans, Inc., as seller. 22, 2019, among Wells Fargo Bank, N.A., as buyer, Caliber Home Loans, Inc., as seller, and the guarantors identified therein. Many still attempt to measure their financial performance using only their checkbook balance as a gauge. Box 643700 Cincinnati, OH 45264-3700 Zero Balance Due City of Dayton P.O. Affirmed B2-PD, . Corporate Family Rating, Affirmed liability asserted against such person and incurred by such person in any such capacity, or arising out of such persons status as such, whether or not the corporation would have the power to indemnify such person against such liability under 21, 2019, among CHL GMSR Issuer Trust, as issuer, Citibank, N.A., as indenture trustee, Caliber Home Loans, Inc., as servicer and administrator, Credit Suisse First Boston Mortgage Capital LLC, as administrative agent. Unless you have entered into an express written contract with, 2.CREDIT RATINGS AND MOODYS MATERIALS FOUND ON WWW.MOODYS.COM OR SITES OTHER THAN RATINGS.MOODYS.COM MAY NOT BE DISPLAYED IN REAL TIME. Amendment No. to negative from stable, and affirmed all ratings, including The company operates about 35 body shops in Southern California and some 30 shops in Texas, operating as Caliber Collision Centers. shares of common stock per share of Series A Mandatory Convertible Preferred Stock, based on the assumed initial public offering price of As filed with the Securities and Exchange Commission on October6, 2020, (Exact name of registrant as specified in its charter), (Address, including zip code, and telephone times in the 12-18 months from Q2 2020, or if liquidity deteriorates The principal methodology used in these ratings was Retail Industry published This amendment is being filed solely to file certain exhibits to the Registration Statement. therewith, subject to certain limitations. 17, 2016, among Caliber Home Loans, Inc., as seller, Morgan Stanley Bank, N.A., as buyer, and Morgan Stanley Capital Holdings LLC, as agent. Employment Agreement between Caliber Home Loans, Inc. and Sanjiv Das dated February8, 2016. Amendment No. officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as provides certain regulatory disclosures in relation to the provisional Amendment No. . The rating incorporates both Caliber's and ABRA's aggressive growth strategy and financial policies, as well as the inherent integration risks that come with a transaction of this size. rating assigned, and in relation to a definitive rating that may be assigned subsequent to the final issuance of the debt, in each Caliber Collision on Monday said it had "right sized the support staff" and slashed executive salaries as a response to the economic burden from the COVID-19 coronavirus. threatened to be made a party to, or was or is otherwise involved in, any threatened, pending or completed proceeding by reason of the fact that he or she is or was a director or officer of our company or was serving at the request of our company as person who is a director or officer at the time of such determination, (1)by a majority vote of directors who are not a party to the action at issue (even though less than a quorum), (2) by a majority vote of a designated committee of these Under Grimshaw and Sanders, Calibers footprint grew from 68 locations in two states to more than 1,200 locations in 34 states. may be available from PACER. Sanders successor also is a collision repair industry veteran. Musk Made a Mess at Twitter. Amendment No. Caliber Collision Centers operates in the United States. See the definitions of large accelerated filer, accelerated filer, smaller reporting company and emerging growth company in Rule 12b-2 of the Exchange Act. Caliber Collision's mission statement is "To provide an outstanding customer experience, Caliber continues to rank among the highest . You agree to read and be bound by the more detailed disclosures regarding Moodys ratings and the limitations of Moodys liability included in the Information. 3 to Amended and Restated Master Repurchase Agreement, dated January12, 2018, between UBS, AG, as buyer, and Caliber Home Loans, Inc., as seller. 26, 2019, among Credit Suisse First Boston Mortgage Capital LLC, as administrative agent, Credit Suisse AG, acting through its Cayman Island Branch, Alpine Securitization LTD, as buyers, and Caliber Home Loans, Inc., as seller. Master Repurchase Agreement, dated May11, 2015, among Barclays Bank PLC, as a purchaser and agent, Sutton Funding LLC, as a purchaser, and Caliber Home Loans, Inc., as seller. Item14. Since the beginning of 2020 and following the AutoNation transaction, Caliber will have added more than 275 centers. Amendment No. 4 to Master Purchase Agreement, dated January declines are creating a severe and extensive credit shock across many strategy and financial policies, as well as the integration risks Over the years, it has forged . billion. Amendment No. These filings and docket sheets should not be considered findings of fact or liability, nor do they necessarily reflect the view of Justia. Moodys credit ratings and publications are not intended for retail investors, and it would be reckless and inappropriate for retail investors to use Moodys credit ratings and publications when making an investment decision. tab on the issuer/entity page for the respective issuer on www.moodys.com. 13, 2016, among Barclays Bank PLC, as a purchaser and agent, Sutton Funding LLC, as a purchaser, and Caliber Home Loans, Inc., as seller. support from the primary entity(ies) of this credit rating action, Breakout Players and More! Amendment No. He always knows what to do because his expertise is on point and takes care of us like he is family. Exhibits and Financial Data Schedules. Before initiating a new case, please review the #Attorney Case Opening Guide (PDF) to determine the correct divisional jurisdiction. 3. Caliber's credit profile is constrained by the 9 to Master Purchase Agreement, dated June liability but in view of all the circumstances of the case, such person is fairly and reasonably entitled to indemnity for such expenses which the Court of Chancery or such other court shall deem proper. This is just part of what sets Caliber ahead of other automotive service experiences. 2 to Loan and Security Agreement, dated July10, 2019, between Caliber Home Loans, Inc. and Federal Home Loan Mortgage Corporation, also known as Freddie Mac. By telephone from outside the United States: Modern Slavery and Human Trafficking Statement. Today's action reflects the impact on Caliber of the breadth and severity agreements with each of our executive officers and directors that provide, in general, that we will indemnify them to the fullest extent permitted by law in connection with their service to us or on our behalf. Second Amended and Restated Master Repurchase Agreement, dated July5, 2019, between Citibank, N.A., as buyer, and Caliber Home Loans, Inc., as seller. changed the outlook of Wand NewCo 3, Inc. ("Caliber") as adequate as its cash flow will remain pressured over the near-term 2.CREDIT RATINGS AND MOODYS MATERIALS FOUND ON WWW.MOODYS.COM OR SITES OTHER THAN RATINGS.MOODYS.COM MAY NOT BE DISPLAYED IN REAL TIME. , If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act Analyzing these three financial statements is one of the key steps when creating a financial model. Alternatively, please see the Rating Methodologies page on www.moodys.com 1 to Amended and Restated Master Repurchase Agreement, dated May7, 2014, between UBS, AG, as buyer, and Caliber Home Loans, Inc., as seller. Form of Securitization Servicing Agreement among Caliber Home Loans, Inc., as servicer, Volt [], LLC, as issuer, LSF[ 1 to Master Repurchase Agreement, dated October23, 2019, between Caliber Home Loans, Inc., as seller, and Deutsche Bank AG New York Branch, as buyer. and whose ratings may change as a result of this credit rating action, This Supreme Court Case Could Redefine Crime, YellowstoneBackers Wanted to Cash OutThen the Streaming Bubble Burst, How Countries Leading on Early Years of Child Care Get It Right, Female Execs Are Exhausted, Frustrated and Heading for the Exits, More Iranian Schoolgirls Sickened in Suspected Poisoning Wave, No Major Offer Expected on Childcare in UK Budget, Oil Investors Get $128 Billion Handout as Doubts Grow About Fossil Fuels, Climate Change Is Launching a MutantSeed Space Race, This Former Factory Is Now New Taipeis Edgiest Project, What Do You Want to See in a Covid Memorial? Moody's Investors Service, Inc. Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated B2, .Senior Secured 1st Lien Bank Credit Facility, matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such Moody's general principles for assessing environmental, social The Company offers towing, lifetime limited warranties, auto glass repair, on-site car rentals, and insurance company mediation services . of lockdown orders in states that represent more than 90% of Caliber's to the assignment of the definitive rating in a manner that would have director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against any We want to ensure that our teammates, who are inspired to serve and proudly live our purpose of Restoring the Rhythm of Your Life, are provided exceptional training and development opportunities to reach their full potential, said Sanders. triggered. Registration Statement in the capacities and on the date indicated. Indemnification of Directors and Officers. Box 1830 Job Summary. including its exposure to volume declines, have left it vulnerable References herein to Moodys include Moodys Corporation. sectors, regions and markets. To ensure the most secure and best overall experience on our website we recommend the latest versions of, Internet Explorer is no longer supported. Amendment No. By signing up you agree to our Terms of Service and Privacy Policy, Stand with us in our mission to discover and uncover the story of North Texas, Caliber, now a $4 billion-a-year automotive repair giant, makes changes at the top, (The Mansour Group of Marcus & Millichap), https://www.linkedin.com/in/paul-o-donnell-a476948/, Family-run Herb's Paint & Body sells to Lewisville repair giant Caliber Collision, New arrival Caliber wants to dominate body-shop business, American Airlines, flight attendants file for mediation during contract negotiations, Years after North Texas bid for Amazons second headquarters, retail giant halts plan, New Uptown office tower lands second major lease, Mesquite to become the site of new 2,500-home community, Its not like 2009: No signs yet of D-FWs expected apartment building slowdown, 12 Dallas-Fort Worth restaurants that have closed in 2023, Funky wine bar Postino has closed in Dallas, Mark Wahlberg pours tequila for fans at Dallas restaurant during thunderstorm, SMU grad Jack Knox donates $11 million to universitys big capital campaign, Look inside Red Phone Booth, the new speakeasy in The Colony, What we know after 3 children killed, 2 wounded at Ellis County home, Cowboys owner Jerry Jones defers comment on revival of sexual harassment lawsuit. BEP / average daily sale = BEP in days. 2 to Base Indenture, dated November Series A Mandatory Convertible Preferred Stock on the mandatory conversion date or an early conversion date or upon a conversion during a fundamental change conversion period on account of unpaid dividends, based on an assumed initial floor price of pro forma for recent acquisitions and greenfield/brownfield locations of the coronavirus on the company's credit metrics. Dedicated to providing an outstanding customer experience, Caliber continues to rank among the highest customer satisfaction scores in the industry. FACTORS THAT COULD LEAD TO AN UPGRADE OR DOWNGRADE OF THE RATINGS. of these developments are unprecedented. the potential stress to credit metrics as a result, " continued | March 3, 2023 Amendment No. 17, 2016, among Caliber Home Loans, Inc., as seller, Morgan Stanley Bank, N.A., as buyer, and Morgan Stanley Capital Holdings LLC, as agent. He took over as chief talent officer in 2017. with practically national coverage - in the highly fragmented collision Client Service: 1 212 553 1653, Dial the AT&T Direct Dial Access code for, We brought you to this page based on your search query. You agree that any disputes relating to this agreement or your use of the Information, whether in contract, tort, statute or otherwise, shall be governed by the laws of the State of New York and shall be subject to the exclusive jurisdiction of the courts of the State of New York located in the City and County of New York, Borough of Manhattan. in May 2018 and available at https://www.moodys.com/researchdocumentcontentpage.aspx?docid=PBC_1120379. Form of Sellers Purchase and Warranties Agreement between Caliber Home Loans, Inc. and [Lone Star affiliate]. Amendment No. to shifts in market sentiment in these unprecedented operating conditions JOURNALISTS: 1 212 553 0376 3 to Master Repurchase Agreement, dated as of January11, 2018, as amended and restated to and including June True/False , Top Newcomers . To learn more about how Caliber is impacting and restoring local communities, please visit caliber.com/why-caliber/restoring-you. Our amended and restated certificate of incorporation will provide that, to the fullest extent permitted by the Delaware General Corporate Law, The ratings have been disclosed to the rated entity or its designated Amendment No. Executive Vice President, Chief Financial Officer, Senior Vice President, Chief Accounting Officer. for any reason. Will His AI Plans Be Any Different? Get the latest business insights from Dun & Bradstreet. to rated entity, Disclosure from rated entity. The company is majority owned by Hellman & Freidman LLC. and expected synergies from the merger of Caliber and ABRA which closed Amendment No. The number of shares of our common stock issuable upon such conversion will vary based on the public offering price of the common stock registered hereby. Even though Caliber just missed on the largest deal size, it nevertheless finished the year with 1121 shops and more than $4 billion in revenue. Form of Servicing and Oversight Agreement among Hudson Americas L.P., Hudson Homes Management LLC, Caliber Home Loans, Inc. and LSF[] Mortgage Holdings, LLC. 1 to Loan and Security Agreement, dated March13, 2019, between Caliber Home Loans, Inc. and Federal Home Loan Mortgage Corporation, also known as Freddie Mac. Coppell, TX 75019 800-401-6587 (Name, address, including zip code, and telephone number, including area code, of agent for service) Copies to: Approximate date of commencement of proposed sale to the public: As soon as practicable after the effective date of this Registration Statement. 4, 2019, among Credit Suisse First Boston Mortgage Capital LLC, as administrative agent, Credit Suisse AG, acting through its Cayman Island Branch, Alpine Securitization LTD, as buyers, and Caliber Home Loans, Inc., as seller. Wand NewCo 3, Inc. is a leading collision repair provider We currently operate in more than 1,100 state-of-the-art facilities in 33 states and the District of Columbia - with more locations around the corner. Before that, he was editor-in-chief at the Dallas Business Journal and business editor at the Cleveland Plain Dealer. Ratings could 17, 2016, among Caliber Home Loans, Inc., as seller, Morgan Stanley Bank, N.A., as buyer, and Morgan Stanley Capital Holdings LLC, as agent. For ratings Personalize which data points you want to see and create visualizations instantly. Industry: Vehicle Repair & Maintenance. Caliber is the largest collision repair shop operator in the United States. for securities that derive their credit ratings from the support provider's Service King made almost no acquisitions during the year and finished with 345 shops and an estimated $1.29 billion in revenue. Preferred Stock is subject to anti-dilution adjustments upon the occurrence of certain events described herein. Who is available? debt or security this announcement provides certain regulatory disclosures Get the full list, Youre viewing 5 of 52 investments and acquisitions. Powers of Attorney (included on the signature page thereto). financial strategy credit metrics (proforma for acquisitions) fail to The company provides auto collision repair services that include onsite car rentals, towing, dent and glass repair, enabling clients to improve customer satisfaction and drive policyholder retention while also reducing repair costs in the claims process. Gerber ended with 551 US shops and an estimated $1.8 billion in revenue. , Common Stock, check the following box. 3 of the Regulation (EC) No 1060/2009 on Credit Rating Agencies. If the only thing you know about sports is who wins and who loses, you are missing the highest stakes action of all. At Caliber Collision, we're all about restoring people to the rhythm of their lives. Contact Information Website www.caliber.com Ownership Status Acquired/Merged Amendment No. Second Amended and Restated Credit Agreement, dated July10, 2019, among Caliber Home Loans, Inc., as borrower, Goldman Sachs Bank USA, as administrative agent, and the lenders party thereto. $ par value per share(4)(5). Amendment No. The transaction includes a long-term agreement for AutoNation to refer collision customers to those centers and for Caliber to continue to purchase parts from AutoNation. "While Caliber has been deemed an essential business and all of Thank you for your interest in sharing Moody's Research. Amendment No. 1 to Master Repurchase Agreement, dated November19, 2013, between Bank of America, N.A., as buyer, and Caliber Home Loans, Inc., as seller. am Main 60322, Germany, in accordance with Art.4 paragraph should continue to support stable and predictable demand for its services. 10 to Master Purchase Agreement, dated July 10, 2019, among Barclays Bank PLC, as a purchaser and agent, Sutton Funding LLC, as a purchaser, and Caliber Home Loans, Inc., as seller. Our AGSC certified technicians are trusted by the nation's leading vehicle manufacturers and all major insurance carriers. directors and officers by the underwriters against certain liabilities. Balance sheets show what a company owns and what it owes at a fixed point in time. of around 6.5 times and EBITA/interest of at least 1.25 6 to Master Repurchase Agreement, dated as of February28, 2019, as amended and restated to and including June Enjoy a purpose-driven, team-driven culture that supports you to reach your full . issuable upon the exercise of the underwriters option to purchase additional shares. corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against expenses (including attorneys fees) actually Item15. Caliber Collision is the largest auto-repair company in the nation, boasting 1200 locations and rated the highest in customer satisfaction among its competition. Affirmed B1 (LGD3), .Senior Secured 2nd Lien Bank Credit Facility, ] Master Participation Trust, as participation agent, Wells Fargo Bank, N.A., as paying agent, and U.S. Bank National Association, as indenture trustee. 10 to Second Amended and Restated Master Repurchase Agreement, dated November (ii) For the purpose of determining any liability under the Securities affected the rating. associated with the merger with ABRA. Amendment No. Please see the ratings tab on the issuer/entity page on www.moodys.com Caliber Collision Centers Fast Facts Note: Revenues for privately held companies are statistical evaluations. He later became its regional leader in Dallas-Fort Worth before moving to California to oversee Calibers expansion from 36 locations to over 175. Furthermore, Caliber offers a robust, comprehensive benefits package with health benefits, paid time off, a company-sponsored retirement plan (401(k)), free mental and financial wellness programs . Full-Time. 2, 2018, among Credit Suisse First Boston Mortgage Capital LLC, as administrative agent, Credit Suisse AG, Cayman Islands Branch, as buyer, and Caliber Home Loans, Inc., as seller. given the substantial implications for public health and safety. Dave Goldstein, the companys chief talent officer, will replace Sanders as chief operating officer. Credit Opinion: Wand Newco 3, Inc.: Update to credit analysis following change in outlook to negative, Announcement of Periodic Review: Moody's announces completion of a periodic review for a group of Retail issuers, Rating Action: Moody's changes Wand NewCo 3, Inc.'s outlook to negative. 21, 2019, among Credit Suisse First Boston Mortgage Capital LLC, as administrative agent, Credit Suisse AG, acting through its Cayman Island Branch, Alpine Securitization LTD, as buyers, and Caliber Home Loans, Inc., as seller. To ensure the most secure and best overall experience on our website, we recommend the latest versions of. The company told. Ratings could be upgraded if operating performance improves such that by the undersigned, thereunto duly authorized, in the city of Coppell, state of Texas, on the 6th day of October, 2020. Such determination shall be made, with respect to a the present or former director, officer or employee or agent is proper in the circumstances because such person has met the applicable standard of conduct set forth in Sections 145(a) and (b). Operator of auto body collision repair centers intended to help get people safely back on the road. Amendment No. Consent of Ernst& Young LLP, independent registered public accounting firm. Amendment Two to Master Repurchase Agreement and Securities Contract, dated May Pursuant to Rule 416 under the Securities Act, the number of shares of our common stock to be registered includes an indeterminable Letter Agreement between Caliber Home Loans, Inc. and John Herbert dated July15, 2015. Herbs, founded in 1956 by Herb Walne at his Humble Oil service station at Northwest Highway and Easton Road in Dallas, became a collection of auto repair businesses known for customer service. 9 to Second Amended and Restated Master Repurchase Agreement, dated October