Exhibit 10.1


 


REDWOOD TRUST, INC.


 


2002 EMPLOYEE STOCK PURCHASE PLAN


 


(as amended through March 18, 2021)


 


1. ESTABLISHMENT OF PLAN.


 


Redwood Trust, Inc.,
a Maryland corporation (the “Company”), proposes to grant options (“Options”) for purchase of the Company's common
stock, $0.01 per share par value (“Common Stock”), to eligible employees of the Company and its Designated Subsidiaries (as
hereinafter defined) pursuant to this Employee Stock Purchase Plan (this “Plan”). For purposes of this Plan, “parent
corporation” and “subsidiary” shall have the same meanings as “parent corporation” and “subsidiary
corporation” set forth in Sections 424(e) and 424(f), respectively, of the Internal Revenue Code of 1986, as amended (the “Code”).
The Company intends this Plan to qualify as an “employee stock purchase plan” under Section 423 of the Code (including
any amendments or successor provisions to such Section), and the provisions of this Plan shall be construed as reasonably necessary in
order to effectuate such intent. Any term not expressly defined in this Plan but defined for purposes of Section 423 of the Code
shall have the same definition herein.


 


2. STOCK SUBJECT TO PLAN.


 


A total of 850,000 shares
of the Common Stock is reserved for issuance under this Plan. Such number shall be subject to adjustments affected in accordance with
Section 16 of this Plan. Any shares of Common Stock that have been made subject to an Option that cease to be subject to the Option
(other than by means of exercise of the Option), including, without limitation, in connection with the cancellation or termination of
an Option, shall again be available for issuance in connection with future grants of Options under this Plan.


 


3. PURPOSE.


 


The purpose of this Plan is
to provide employees of the Company and its designated subsidiaries, as that term is defined in Section 5 of this Plan (“Designated
Subsidiaries”), with a convenient means of acquiring an equity interest in the Company through payroll deductions, to enhance such
employees' sense of participation in the affairs of the Company and its Designated Subsidiaries, to provide an incentive for continued
employment with the Company and its Designated Subsidiaries, to provide an additional form of tax-advantaged compensation for employees,
and to provide a performance incentive that will inure to the benefit of all of the Company's stockholders.


 






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4. ADMINISTRATION.


 


This Plan shall be administered
by a committee (the “Committee”) appointed by the Company’s Board of Directors (the “Board”) consisting
of at least two members of the Board, each of whom is a “non-employee director” as defined in Rule 16b-3 under the Securities
Exchange Act of 1934, as amended (the “Exchange Act”) (unless the General Counsel of the Company shall have rendered a written
opinion to the Board that such composition of the Committee is not required for the exemption under Rule 16b-3 to be available with
respect to purchases of Common Stock under the Plan), which shall be the Compensation Committee of the Board if it satisfies such requirements.
Subject to the provisions of this Plan and the limitations of Section 423 of the Code or any successor provision in the Code, the
Committee shall have exclusive authority, in its discretion, to determine all matters relating to Options granted under this Plan, including
all terms, conditions, restrictions, and limitations of Options; provided, however, that all participants granted Options under an offering
pursuant to this Plan shall have the same rights and privileges within the meaning of Code Section 423(b)(5) except as required
by applicable law. The Committee shall also have exclusive authority to interpret this Plan and may from time to time adopt rules and
regulations of general application for this Plan's administration. The Committee's exercise of discretion and interpretation of this Plan,
its rules and regulations, and all actions taken and determinations made by the Committee pursuant to this Plan shall be conclusive
and binding on all parties involved or affected. The Committee may delegate administrative duties to the Plan Financial Agent (defined
in Section 12) or such of the Company’s officers or employees as it so determines (provided that no such delegation may be
made that would cause the purchase of Common Stock by participants under this Plan to cease to be exempt from Section 16(b) of
the Securities Exchange Act of 1934, as amended (the “Exchange Act”)). All expenses incurred in connection with the administration
of this Plan shall be paid by the Company and the Designated Subsidiaries; provided, however, that the Committee may require a participant
to pay any costs or fees in connection with the sale by the participant of shares of Common Stock acquired under this Plan or in connection
with the participant's request for the issuance of a certificate for shares of Common Stock held in the participant's account under the
Plan.


 


5. ELIGIBILITY.


 


Any employee of the Company
or the Designated Subsidiaries is eligible to participate in the Plan for any Offering Period (as hereinafter defined) under this Plan
except the following:


 


(a) employees who have
not been continuously employed by the Company or Subsidiaries from the date of hire or rehire or of return from an unapproved leave of
absence for a period of at least three months before the beginning of such Offering Period;


 


(b) employees who are
customarily employed for less than 20 hours per week;


 


(c) employees who are
customarily employed for not more than five months in a calendar year; and


 


(d) employees who, together
with any other person whose stock would be attributed to such employee pursuant to Section 424(d) of the Code, own stock or
hold options to purchase stock possessing 5% or more of the total combined voting power or value of all classes of stock of the Company
or any of its Subsidiaries or who, as a result of being granted Options under this Plan, would own stock or hold options to purchase stock
possessing 5% or more of the total combined voting power or value of all classes of stock of the Company or any of its Subsidiaries.


 


For all purposes of this Plan,
the term Designated Subsidiaries shall mean those Subsidiaries which have been, or which may in the future be, determined by the Board
to be Designated Subsidiaries. A Designated Subsidiary will cease to be a Designated Subsidiary on the earlier of (i) the date the
Committee or the Board determines that such Subsidiary is no longer a Designated Subsidiary or (ii) such Designated Subsidiary ceases
for any reason to be a “parent corporation” or “subsidiary corporation” as defined in Sections 424(e) and
424(f), respectively, of the Code.


 






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6. EFFECTIVE DATE; OFFERING AND PURCHASE PERIODS.


 


The effective date of this
Plan shall be July 1, 2002 (the “Effective Date”). The offering periods of this Plan (individually, an “Offering
Period”) shall consist of periods determined as described below not to exceed the maximum period permitted by Section 423 of
the Code. Until determined otherwise by the Committee or the Board, (a) Offering Periods shall commence on each January 1 and
continue for twelve months, provided, however, that the first Offering Period shall begin on July 1, 2002 and continue for six months
and the initial Offering Period for any newly eligible employee that becomes a participant during an otherwise ongoing Offering Period
shall be deemed to begin on the first day of the first Purchase Period after eligibility, and (b) each Offering Period shall consist
of one or more purchase periods (individually, a “Purchase Period”) during which payroll deductions of the participants are
accumulated under this Plan. Until otherwise determined by the Committee or the Board, each Purchase Period shall be a three-month period
commencing on each January 1, April 1, July 1, and October 1, provided, however, that the first Purchase Period shall
commence with the first Offering Period on July 1, 2002. The first day of each Offering Period is referred to as the “Offering
Date”. The last day of each Purchase Period is referred to as the “Purchase Date”. Subject to the requirements of Section 423
of the Code, the Committee or the Board shall have the power to change the duration of Offering Periods or Purchase Periods with respect
to future offerings if such change is announced at least 30 days prior to the first day of the first Offering Period or Purchase Period
to be affected by such change.


 


7. PARTICIPATION IN THIS PLAN.


 


Eligible employees may become
participants in an Offering Period under this Plan as of the Purchase Period first commencing after satisfying the eligibility requirements
by delivering an enrollment form provided by the Company to the Secretary of the Company or such other officer as he or she may designate
from time to time (“Redwood Plan Administrator”) not later than the 15th day of the month (or if such day is not a business
day for the Company or the applicable Subsidiary, on the immediately preceding business day) before commencement of such Purchase Period
unless a later time for filing the enrollment form authorizing payroll deductions is set by the Committee for all eligible employees with
respect to a given Purchase Period. Notwithstanding the foregoing, for the initial Offering Period, commencing on the effective date,
the time for filing an enrollment form and commencing participation for employees who satisfy the eligibility requirements as of the effective
date shall be determined by the Committee and communicated to such employees. Once an employee becomes a participant in the Plan, such
employee will automatically participate in all Purchase Periods commencing after satisfying the eligibility and enrollment requirements
as set forth in the first sentence or second sentence of this section unless the employee withdraws from this Plan or terminates further
participation in the Offering Period as set forth in Sections 13 and 14 below. Such participant is not required to file any additional
enrollment forms in order to continue participation in this Plan.


 


8. GRANT OF OPTION ON ENROLLMENT.


 


Enrollment by an eligible
employee in this Plan with respect to an Offering Period will constitute the grant by the Company to such employee as of the relevant
Offering Date of an Option to purchase on each relevant Purchase Date up to that number of whole shares of Common Stock of the Company,
determined by dividing (a) the amount accumulated in such employee's payroll deduction account during the Purchase Period ending
on such Purchase Date by (b) the Purchase Price as that term is defined in Section 9; provided, however, that the number of
shares which may be purchased pursuant to an Option may in no event exceed (i) the number determined by dividing the amount of $6,250
by the fair market value (as defined in Section 9) of a share of Common Stock on the Offering Date, or (ii) such other maximum
number of shares as may be specified in the future by the Board or Committee in lieu of the limitation contained in clause (i).


 






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9. PURCHASE PRICE.


 


The purchase price per share
(the “Purchase Price”) at which a share of Common Stock will be sold on any Purchase Date shall initially be the LOWER of
(a) 85% of the fair market value of such share on the first day of the Offering Period in which such Purchase Date occurs or (b) 85%
of the fair market value of such share on the Purchase Date.


 


For purposes of this Plan,
the term “fair market value” of the Common Stock on any date shall be the closing price on such date of the Common Stock reported
on the New York Stock Exchange or any national securities exchange on which the Common Stock is listed. If there is no reported closing
price of the Common Stock on such date, then the “fair market value” shall be measured on the next preceding trading day for
which such reported closing price is available. If there is no regular trading market for the Common Stock, the fair market value of the
Common Stock shall be as determined by the Committee in its sole discretion, exercised in good faith. The Committee may change the manner
in which the Purchase Price is determined with respect to future Offering Periods or Purchase Periods (provided such determination does
not have the effect of lowering the Purchase Price to an amount less than that which would be computed utilizing the method for determining
the Purchase Price set forth in the first paragraph of this Section 9) if such changed manner of computation applied to all eligible
employees and is announced at least 30 days prior to the first day of the first Offering Period or Purchase Period to be affected by such
change.


 


10. PURCHASE OF SHARES; CHANGES IN PAYROLL DEDUCTIONS; ISSUANCE
OF SHARES.


 


(a) Funds contributed
by each participant for the purchase of shares under this Plan shall be accumulated by regular payroll deductions made during each Offering
Period. The deductions shall be made in $50 increments as selected by the Participant up to a maximum of not more than 15% of the participant's
Compensation. As used herein, “Compensation” shall mean all base salary, wages, cash bonuses, commissions, current-pay dividend
equivalent rights (“DERs”), and overtime; provided, however, that, for purposes of determining a participant's Compensation,
any election by such participant to reduce his or her regular cash remuneration under Sections 125 or 401(k) of the Code shall be
treated as if the participant did not make such election. “Compensation” does not include severance pay, hiring and relocation
allowances, pay in lieu of vacation, automobile allowances, imputed income arising under any Company group insurance or benefit program,
income received in connection with stock options or other stock-based awards (other than current-pay DERs), or any other special items
of remuneration. Payroll deductions shall commence on the first payday following the Offering Date and shall continue through the last
payday of the Offering Period unless sooner altered or terminated as provided in this Plan.


 


(b) A participant may
lower (but not increase) the rate of payroll deductions during a Purchase Period by filing with the Redwood Plan Administrator a new authorization
for payroll deductions, in which case the new rate shall become effective for the next payroll period commencing more than 15 days after
the Redwood Plan Administrator's receipt of the authorization and shall continue for the remainder of the Offering Period unless changed
as described below. Such change in the rate of payroll deductions may be made at any time during a Purchase Period, but not more than
one change may be made effective during any Purchase Period. Notwithstanding the foregoing, a participant may lower the rate of payroll
deductions to zero for the remainder of the Purchase Period. A participant may increase or decrease the rate of payroll deductions for
any subsequent Purchase Period by filing with the Redwood Plan Administrator a new authorization for payroll deductions not later than
the 15th day of the month (or if such date is not a business day, the immediately preceding business day) before the beginning of such
Purchase Period. A participant who has decreased the rate of withholding to zero will be deemed to continue as a participant in the Plan
until the participant withdraws from the Plan in accordance with the provisions of Section 13. A participant shall have the right
to withdraw from this Plan in the manner set forth in Section 13 regardless of whether the participant has exercised his or her right
to lower the rate at which payroll deductions are made during an Offering Period.


 






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(c) All payroll deductions
made for a participant will be credited to his or her account under this Plan and deposited with the general funds of the Company. No
interest will accrue on payroll deductions. All payroll deductions received or held by the Company may be used by the Company for any
corporate purpose, and the Company shall not be obligated to segregate such payroll deductions.


 


(d) On each Purchase
Date, provided that the participant has not terminated employment in accordance with Section 14 or has not submitted to the Redwood
Plan Administrator a signed and completed withdrawal form, in either case on or before the 15th day (or if such date is not a business
day, on the immediately preceding business day) of the last month of the Purchase Period in accordance with Section 10(b) or
Section 13 of this Plan, or the Plan has not been terminated prior to the date referred to in the foregoing clause, the Company shall
apply the funds then in the participant's account to the purchase at the Purchase Price of whole share(s) of Common Stock issuable
under the Option deemed granted to such participant with respect to the Offering Period to the extent that such Option is exercisable
on the Purchase Date; provided that in no event shall an Option be deemed exercised (by applying funds to a purchase) after the expiration
of 27 months from the date such Option was deemed granted under Section 8 hereof. Subject to Section 11, any funds remaining
in the participant's account will be applied to the following Purchase Period. No fractional shares will be purchased.


 


(e) During a participant's
lifetime, such participant's Option to purchase shares hereunder is exercisable only by him or her. The participant will have no interest
or voting right in shares covered by his or her Option until such Option has been exercised.


 






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11. LIMITATIONS ON RIGHT TO PURCHASE.


 


(a) No employee shall
be granted an Option to purchase Common Stock under this Plan at a rate which, when aggregated with his or her rights to purchase stock
under all other employee stock purchase plans of the Company or any Subsidiary which is intended to meet the requirements of Code Section 423,
exceeds $25,000 in fair market value, determined as of the applicable date of the grant of the Option, for each calendar year in which
the employee participates in this Plan (or any other employee stock purchase plan described in this Section 11(a)).


 


(b) The number of shares
which may be purchased by any employee on a Purchase Date may not exceed the number of shares determined by dividing the sum of $6,250
by the fair market value (as defined in Section 9) of a share of Common Stock on the first day of the Offering Period in which such
Purchase Date occurs or, in the event the Committee or Board may specify a different limitation to be applied in lieu of the foregoing
limitation, then the number of shares which may be purchased by any employee on a Purchase Date may not exceed such other limitation.


 


(c) If the number of
shares to be purchased on a Purchase Date by all employees participating in this Plan exceeds the number of shares then available for
issuance under this Plan, then the Company will make a pro rata allocation of the remaining shares in as uniform a manner as shall be
reasonably practicable and as the Committee shall determine to be equitable. In such event, the Company shall give written notice of such
reduction of the number of shares to be purchased under a participant's Option to each participant affected thereby.


 


(d) Any payroll deductions
accumulated in a participant's account which are not used to purchase stock due to the limitations in this Section 11 shall be returned
to the participant as soon as practicable after the end of the applicable Purchase Period without interest.


 


12. EVIDENCE OF STOCK OWNERSHIP.


 


(a) Promptly following
each Purchase Date, the number of full shares of Common Stock purchased by each participant shall be deposited into an account established
in the participant's name at a stock brokerage or other financial services firm designated or approved by the Committee (the “Plan
Financial Agent”). A participant shall be free to undertake a disposition (whether by way of sale, gift, or other transfer) of the
shares in his or her account at any time, subject to the Company's Insider Trading Policy and applicable securities law rules and
regulations, but, in the absence of such a disposition, the shares must remain in the participant's account at the Plan Financial Agent
until the holding period set forth in Code Section 423(a) has been satisfied. With respect to full shares for which the Code
Section 423(a) holding period has been satisfied, the participant may move those shares to another brokerage account of the
participant's choosing or request that a stock certificate for full shares be issued and delivered to him or her.


 


(b) Following termination
of a participant's employment for any reason, the participant shall have a period of 60 days to notify the Plan Financial Agent whether
such participant desires (i) to receive a certificate representing all full shares then in the participant's account with the Plan
Financial Agent and any cash being held for future purchases or (ii) to sell the shares in the participant's account through the
Plan Financial Agent. If the terminated participant fails to file such notice with the Plan Financial Agent within 60 days after termination,
he or she shall be deemed to have elected the alternative set forth in clause (i) above, provided that the Plan Financial Agent will
continue to hold the terminated participant's certificates, on his or her behalf, in an account no longer subject to this Plan, until
otherwise directed by such participant or determined by the Plan Financial Agent. However, the participant shall not in any event receive
a certificate representing shares with respect to which the Code Section 423(a) holding period has not been satisfied until
such holding period has been satisfied.


 






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13. WITHDRAWAL.


 


(a) Each participant
may withdraw from an Offering Period under this Plan by signing and delivering to the Redwood Plan Administrator a written notice to that
effect on a form provided for such purpose. Such withdrawal may be elected at any time on or prior to the 15th day of the last month (or
if such date is not a business day, the immediately preceding business day) of a Purchase Period.


 


(b) Upon withdrawal from
this Plan, the accumulated payroll deductions of the participant not theretofore utilized for the purchase of shares of Common Stock on
a Purchase Date shall be returned to the withdrawn participant, without interest, and his or her participation in this Plan shall terminate.
In the event a participant voluntarily elects to withdraw from this Plan, he or she may not resume his or her participation in this Plan
during the same Offering Period unless otherwise determined by the Committee, but he or she may participate in any subsequent Offering
Period by filing a new authorization for payroll deductions in the same manner as set forth above for initial participation in this Plan.


 


14. TERMINATION OF EMPLOYMENT; LEAVE OF ABSENCE.


 


Termination of a participant's
employment for any reason, including retirement, death, or the failure of a participant to remain an eligible employee, immediately terminates
his or her participation in this Plan. In such event, except as provided in Section 15, the payroll deductions credited to the participant's
account will be returned to him or her or, in the case of his or her death, to his or her beneficiary or heirs, without interest. For
purposes of this Section 14, an employee will not be deemed to have terminated employment or failed to remain in the continuous employ
of the Company in the case of any leave of absence permitted by applicable law or otherwise approved by the Committee.


 


15. RETURN OF PAYROLL DEDUCTIONS.


 


In the event a participant's
interest in this Plan is terminated by withdrawal, termination of employment, or otherwise, or in the event this Plan is terminated by
the Board, the Company shall promptly deliver to the participant all contributions of the participant to the Plan which have not yet been
applied to the purchase of stock unless such termination of participation occurs later than the 15th day of the final month of any Purchase
Period (or if such date is not a business day, on the preceding business day), in which event such contributions will be utilized to purchase
Common Stock for the participant. No interest shall accrue on the payroll deductions of a participant in this Plan.


 


16. CAPITAL CHANGES.


 


In the event that at any time
or from time to time a stock dividend, stock split, spin-off, combination or exchange of shares, recapitalization, merger, consolidation,
distribution to stockholders other than a normal cash dividend, or other change in the Company's corporate or capital structure results
in (a) the outstanding shares of Common Stock or any securities exchanged therefor or received in their place being exchanged for
a different number or class of securities of the Company or of any other corporation or (b) new, different, or additional securities
of the Company or of any other corporation being received by the holders of shares of Common Stock, then the Committee, in its sole discretion,
shall make such equitable adjustments as it shall deem appropriate in the circumstances in the maximum number and kind of shares of stock
subject to this Plan as set forth in Sections 1 and 2, the number and kind of shares subject to outstanding Options, and the Purchase
Price. The determination by the Committee as to the terms of any of the foregoing adjustments shall be conclusive and binding.


 






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17. NONASSIGNABILITY.


 


Neither payroll deductions
credited to a participant's account nor any rights with regard to the exercise of an Option or to receive shares under this Plan may be
assigned, transferred, pledged, or otherwise disposed of in any way (other than by will, the laws of descent and distribution, or as provided
in Section 24 hereof) by the participant. Any such attempt at assignment, transfer, pledge, or other disposition shall be void and
without effect.


 


18. REPORTS AND STATUS OF ACCOUNTS.


 


Individual accounts will be
maintained by the Plan Financial Agent for each participant in this Plan. The participant shall have all ownership rights with respect
to shares of Common Stock held in his or her account by the Plan Financial Agent, including the right to vote such shares and to receive
any dividends or distributions which may be declared thereon by the Board. The Plan Financial Agent shall send to each participant promptly
after the end of each Purchase Period a report of his or her account setting forth the total of shares purchased, the total number of
shares then held in his or her account, and the market value per share. Neither the Company nor any Designated Subsidiary shall have any
liability for any error or discrepancy in any such report.


 


19. NO RIGHTS TO CONTINUED EMPLOYMENT; NO IMPLIED
RIGHTS.


 


Neither this Plan nor the
grant of any Option hereunder shall confer any right on any employee to remain in the employ of the Company or any Subsidiary or restrict
the right of the Company or any Subsidiary to terminate such employee's employment. The grant of any Option hereunder during any Offering
Period shall not give a participant any right to similar grants thereafter.


 


20. EQUAL RIGHTS AND PRIVILEGES.


 


All eligible employees shall
have equal rights and privileges with respect to this Plan except as required by applicable law so that this Plan qualifies as an “employee
stock purchase plan” within the meaning of Section 423 or any successor provision of the Code and the related regulations.
Any provision of this Plan which is inconsistent with Section 423 or any successor provision of the Code shall, without further act
or amendment by the Company, the Board, or the Committee, be reformed to comply with the requirements of Section 423. This Section 20
shall take precedence over all other provisions in this Plan.


 


21. NOTICES.


 


All notices or other communications
by a participant to the Company under or in connection with this Plan shall be deemed to have been duly given when received in the form
specified by the Company at the location, or by the person, designated by the Company for the receipt thereof.


 


22. AMENDMENT OF PLAN.


 


This Plan may be amended by
the stockholders of the Company. The Board may also amend this Plan in such respects as it shall deem advisable; however, stockholder
approval will be required for any amendment that will increase the total number of shares as to which Options may be granted under this
Plan, or, but for such shareholder approval, cause this Plan to fail to continue to qualify as an “employee stock purchase plan”
under Section 423 of the Code or cause the purchase of shares thereunder to fail to be exempt from the provisions of Section 16(b) of
the Exchange Act.


 






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23. TERMINATION OF THE PLAN.


 


The Company's stockholders
or the Board may suspend or terminate this Plan at any time. Unless this Plan shall theretofore have been terminated by the Company’s
stockholders or the Board, this Plan shall remain in full force and effect until all shares reserved under Section 2 have been purchased
pursuant to the terms hereof.


 


24. DESIGNATION OF BENEFICIARY.


 


(a) A participant may
file a written designation of a beneficiary who is to receive any shares and cash, if any, from the participant's account under this Plan
in the event of such participant's death prior to delivery to him or her (or to the Plan Financial Agent on his or her behalf) of such
shares and cash.


 


(b) Such designation
of beneficiary may be changed by the participant at any time by written notice. In the event of the death of a participant and in the
absence of a beneficiary validly designated under this Plan who is living at the time of such participant's death, the Company shall deliver
such shares or cash to the executor or administrator of the estate of the participant, or if no such executor or administrator has been
appointed (to the knowledge of the Company), the Company, in its discretion, may deliver such shares or cash to the spouse or to any one
or more dependents or relatives of the participant or, if no spouse, dependent, or relative is known to the Company, to such other person
as the Company may in good faith determine to be the appropriate designee.


 


25. CONDITIONS UPON ISSUANCE OF SHARES; LIMITATION ON SALE OF SHARES.


 


Shares shall not be issued
with respect to an Option unless the exercise of such Option and the issuance and delivery of such shares pursuant thereto shall comply
with all applicable provisions of law, domestic or foreign, including, without limitation, the Securities Act of 1933, as amended, the
Exchange Act, the rules and regulations promulgated thereunder, and the requirements of the New York Stock Exchange or any stock
exchange upon which the shares may then be listed, and shall be further subject to the approval of counsel for the Company with respect
to such compliance.


 


26. WITHHOLDING.


 


The Committee shall have the
right to make such provisions as it deems appropriate to satisfy any obligation of the Company to withhold federal, state, or local income
or other taxes incurred by reason of the operation of the Plan.


 


27. GOVERNING LAW.


 


Except to the extent that
provisions of this Plan are governed by applicable provisions of the Code or any other substantive provision of federal law, this Plan
shall be construed in accordance with, and shall be governed by, the substantive laws of the State of California without regard to any
provisions of California law relating to the conflict of laws.


 






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