[a1023retirementsavings001.jpg]
Exhibit 10.23

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[a1023retirementsavings002.jpg]

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[a1023retirementsavings003.jpg]

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[a1023retirementsavings004.jpg]

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[a1023retirementsavings005.jpg]

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[a1023retirementsavings006.jpg]

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[a1023retirementsavings007.jpg]

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[a1023retirementsavings008.jpg]

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[a1023retirementsavings009.jpg]

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[a1023retirementsavings010.jpg]

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[a1023retirementsavings011.jpg]

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[a1023retirementsavings012.jpg]

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[a1023retirementsavings013.jpg]

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