Pernix Group, Inc. Watch

from 10-K 2 pages Material contract

from 10-K 170 pages Loan and Security Agreement Dated as of November 10, 2014 Between Pernix Group, Inc. as a Borrower, Pernix Re LLC, as a Borrower, and Barrington Bank & Trust Company, National Association, as Lender Annexes

from 10-K 15 pages Loan Security Agreement

from 10KSB 11 pages Attention: Nidal Zayed /Bud Curley Dear Sirs, US$7,500,000 Loan Facility Arab Banking Corporation (B.S.C.), Acting for the Purposes of This Letter Through Its Head Office at Abc Tower, Diplomatic Area, P.O. Box 5698, Manama, Kingdom of Bahrain (“Abc’), Is Pleased to Offer You the Facility Set Out Below (The “Facility”) on the Terms and Conditions of This Letter. 1 the Facility 1.1 Purpose: The Purpose of the Facility Is to Provide You With a Short-Term Working Capital Loan. in This Letter: (A) “Acceptance Date” Means the Date Upon Which You Accept the Terms and Conditions of This Letter. (B) “Availability Period” Means the Period of 1 (One) Month Commencing on the Acceptance Date (As This May Be Extended in Accordance With Clause 1.3). (C) “Drawdown Date” Means the Date Described in Clause 2.2. (D) “Drawdown Notice” Means the Notice Described in Clause 2.4. (E) “Facility Documents” Means the Relevant Documents, the Guarantee Mentioned in Paragraph 2 of Part 1 of Appendix 1 and Any Other Documents Securing Your Obligations Under This Letter. (F) “Loan” Means the Principal Amount Borrowed by You on the Drawdown Date Or, as the Context Requires, Owing to Abc Under This Letter. (G) “Relevant Documents” Means This Letter and Any Other Documents to Which You Are a Party Securing Your Obligations Under This Letter. (H) “Repayment Date” Means the Date Falling Twelve (12) Months After the Drawdown Date or on Such Later Date as Abc May Agree in Writing Before the Drawdown Date. 1.2 Amount: The Maximum Amount of the Loan Is US$7,500,000 (Seven Million Five Hundred Thousand United States Dollars). 1.3 Availability: The Facility Will Be Available for Your Use During the Availability Period. Abc May at Its Sole Discretion Extend the Availability Period if You Request Its Extension No Later Than 10 Days Prior to Expiry of the First Availability Period or of Any Extension Thereof

from 10-K ~5 pages Attn: Mr Kj Semikian, President Re: Renewal and Amendment of Credit Facilities Dear Mr Semikian: With Reference to Our Recent Discussions, We, the Hongkong Shanghai Banking Corporation Limited (The “Bank”), Are Pleased to Confirm the Renewal and Amendment of the Undermentioned Credit Facilities to Telesource Cnmi, Inc. (The “Borrower”). These Facilities Are Subject to Review at Any Time and in Any Event by 30 November 2002, and Also Subject to Our Overriding Right of Withdrawl and Repayment on Demand, Including the Right to Call for Cash to Cover on Demand for Prospective and Contingent Liabilities. A. Facility Type Present Limits Proposed Limts 1. Revolving Line Usd2,000,000.00 Nil. 2. Commercial Loan Nil. Usd7,500,000.00 Total Facilities Usd7,500,000.00 B. Purpose: 1. to Finance Operational Costs for Several Ongoing Projects. C. Repayment Term: 1. Interest and Principal Due 02 November 2002, 40 Days Prior to Expiry of Standby Letter of Credit on 12 December 2002. D. Interest Rate: 0.5% Over the “Bank’s Base Lending Rate” (Bblr). the “Bank’s Base Lending Rate” Means the Base Index Rate Established by the New York Office of the Bank From Time to Time in Good Faith in Its Discretion for General Pricing of Its Short Term Loans to Ordinary Commercial Borrowers. Such Rates May Be Established and Changed From Time to Time. Interest on Overdue Amounts, Both Principal and Interest, Will Accrue Additional Interest at Five Percent (5.0%) Over the Above Rate. E. Fee: A Non-Refundable Front End Arrangement Fee of Usd75,000, or 1% of the Facility Amount Is Due Upon Acceptance of This Offer Letter, of Which Usd10,000 Has Been Paid. F. Security: 1. an Irrevocable Standby Letter of Credit Issued by Al Ahli Bank of Kuwait (Akbc) and Confirmed by Bank of New York, New York, USA (York) for Not Less Than Usd7,500,000, Naming the Bank as Beneficiary

from S-4/A ~20 pages Revolving Credit Line Agreement

from S-4/A ~20 pages Credit Agreement - Hongkong and Shanghai

from S-4/A 1 page Line of Credit Agreement

from S-4 1 page Line of Credit Agreement

from S-4 1 page Term Loan Agreement - Kuwait