Document:

Amendment No. 7 to the Credit Agreement

 Exhibit 10.2 
 EXECUTION COPY 
 AMENDMENT NO. 7 

This Amendment No. 7, dated as of February 6, 2013 (this “Amendment”), to that certain Credit Agreement, dated
as of August 7, 2007 (as amended by Amendment No. 1, dated as of November 21, 2008, Amendment No. 2 and Consent, dated as of May 13, 2011, Amendment No. 3, dated as of March 9, 2012, Amendment No. 4, dated as
of August 23, 2012, Amendment No. 5, dated as of October 4, 2012 and Amendment No. 6, dated as of the date hereof, the “Credit Agreement”), among ALLISON TRANSMISSION HOLDINGS, INC., a Delaware corporation
(“Holdings”), ALLISON TRANSMISSION, INC., a Delaware corporation (the “Borrower”), the several banks and other financial institutions or entities from time to time parties thereto (the “Lenders”),
CITICORP NORTH AMERICA, INC., as Administrative Agent, and the other agents and arrangers parties thereto, is entered into by and among Holdings, the Borrower, the Agents and the Additional Term B-2 Lenders (as defined below). Capitalized terms used
herein but not defined herein are used as defined in the Credit Agreement. 
 W I T
N E S S E T H: 

WHEREAS, the Borrower has hereby notified the Administrative Agent and each Term Lender that it intends to incur Specified
Refinancing Debt pursuant to Section 2.26 of the Credit Agreement in order to refinance the entire outstanding principal amount of the Term B-1 Loans (such Specified Refinancing Debt, the “Additional Term B-2 Loans”);

 WHEREAS, the Borrower has requested that (i) the Lenders party hereto (each, a “New Term B-2
Lender”) and the (ii) Term B-1 Lenders that have executed and delivered a Lender Consent (as defined below) (each, a “Consenting Term B-1 Lender”, and together with the New Term B-2 Lenders, the “Additional
Term B-2 Lenders”) extend credit to the Borrower in the form of Additional Term B-2 Loans in an aggregate principal amount of up to $411,420,685.53; 
 WHEREAS, each Additional Term B-2 Lender has indicated its willingness to lend such Additional Term B-2 Loans in the aggregate amount specified on its signature page to this Amendment on
the terms and subject to the conditions herein; and 
 Whereas, each Consenting Term B-1 Lender that shall have executed and
delivered a consent to this Amendment substantially in the form of Exhibit A hereto (a “Lender Consent”) indicating the “Rollover Settlement Option” (each, a “Rollover Lender”) shall be deemed to
have made an Additional Term B-2 Loan on the Seventh Amendment Effective Date, the proceeds of which were used to repay such Lender’s Term B-1 Loans; and 
 Whereas, each Consenting Term B-1 Lender that shall have executed and delivered a Lender Consent indicating the “Assignment Settlement Option” (each, an “Assignment Lender”) has
indicated its willingness to accept an Assignment and Assumption of Additional Term B-2 Loans from each New Term B-2 Lender, in an aggregate amount up to such Assignment Lender’s Additional Term B-2 Loans. 

NOW, THEREFORE, in consideration of the premises and agreements, provisions and covenants herein contained,
the parties hereto agree as follows: 
  

	SECTION 1.	ADDITIONAL TERM B-2 LOANS. 

1.1 Additional Term B-2 Loans. Each Rollover Lender hereby agrees to make Additional Term B-2 Loans up to the aggregate
amount of the aggregate principal amount of such Lender’s Term B-1 

 
Loans on the Seventh Amendment Effective Date (as defined in Section 2 below). Each New Term B-2 Lender hereby agrees to make Additional Term B-2 Loans up to the aggregate amount specified
on such New Term B-2 Lender’s signature page to this Amendment on the Seventh Amendment Effective Date. Pursuant to Section 2.26 of the Credit Agreement, the Additional Term B-2 Loans shall have the terms set forth in this Amendment and in
the Credit Agreement (as amended by this Amendment). 
 1.2 Use of Proceeds. The proceeds of the Additional Term
B-2 Loans shall be applied toward the payment of (a) the aggregate outstanding principal amount of the Term B-1 Loans and (b) fees, expenses and original issue discount payable in connection with the Additional Term B-2 Loans. 

1.3 Credit Agreement Governs. Effective as of the Seventh Amendment Effective Date, except as set forth in this Amendment,
(a) the Additional Term B-2 Loans shall have identical terms as the Term B-2 Loans made pursuant to the Sixth Amendment and shall otherwise be subject to the provisions, including any provisions restricting the rights, or regarding the
obligations, of the Loan Parties or any provisions regarding the rights of the Term Lenders, of the Credit Agreement and the other Loan Documents (other than fees or original issue discount payable in connection with the making of the Additional
Term B-2 Loans on the Seventh Amendment Effective Date; provided, that the Additional Term B-2 Loans shall accrue interest commencing on the Seventh Amendment Effective Date), (b) the Additional Term B-2 Loans shall be Specified
Refinancing Debt and Specified Refinancing Term Loans under the Credit Agreement, (c) this Amendment shall be a Refinancing Amendment under the Credit Agreement, (d) all references to the Term B-2 Loans shall be deemed to refer to the
existing Term B-2 Loans and the Additional Term B-2 Loans, (e) the definition of “Term B-2 Loans” in the Credit Agreement is hereby amended and restated in its entirety to read as follows below and (f) the definition of
“Additional Term B-2 Loans”, “Seventh Amendment” and “Seventh Amendment Effective Date”, shall hereby be inserted into Section 1.1 of the Credit Agreement in the correct alphabetical order: 

“Additional Term B-2 Loans”: the loans made pursuant to the Seventh Amendment on the Seventh Amendment Effective Date.

 “Seventh Amendment”: Amendment No. 7 to the Credit Agreement, dated as of February 6, 2013, among
Holdings, the Borrower, the Administrative Agent, the Collateral Agent and the Lenders party thereto. 
 “Seventh
Amendment Effective Date”: as defined in the Seventh Amendment. 
 “Sixth Amendment Effective Date”:
as defined in the Sixth Amendment. 
 “Term B-2 Loans”: the Term B-2 Loans issued on the Sixth Amendment
Effective Date and the Additional Term B-2 Loans. 
  

	SECTION 2.	CONDITIONS PRECEDENT 

 The
making of the Additional Term B-2 Loans on the date hereof (the “Seventh Amendment Effective Date”) shall be subject to the following conditions precedent shall have been satisfied or duly waived: 

2.1 Certain Documents. The Administrative Agent shall have received each of the following, in form and
substance satisfactory to the Administrative Agent: 
 (a) this Amendment, duly executed by each of the Borrower, Holdings, the
Administrative Agent, and each New Term B-2 Lender; 

  
 2 

 (b) Lender Consents duly executed by each Consenting Lender; 

(c) a solvency certificate signed by the chief financial officer on behalf of the Borrower, substantially in the form of Exhibit G
of the Credit Agreement; 
 (d) a closing certificate of each Loan Party, substantially in the form of Exhibit B
hereto, with appropriate insertions and attachments; and 
 (e) an executed legal opinion of Latham & Watkins LLP,
counsel to the Loan Parties, in form and substance reasonably acceptable to the Administrative Agent. 
 2.2 Fees and
Expenses. All fees and reimbursable expenses that have been invoiced as of the Seventh Amendment Effective Date that are due and payable to any Person under any engagement letter entered into in connection with this
Amendment shall have been paid in full in immediately available funds. 
 2.3 Representations and
Warranties. Each of the representations and warranties contained in Section 3 below shall be true and correct. 
 2.4 Minimum Refinancing Condition. The aggregate principal amount of the Additional Term B-2 Loans shall not be less than $15,000,000. 

2.5 Sixth Amendment. The Sixth Amendment Effective Date shall have occurred prior to, but on the same date as, the Seventh
Amendment Effective Date. 
 2.6 USA Patriot Act. The Additional Term B-2 Lenders shall have received from each of
the Loan Parties documentation and other information required by regulatory authorities under applicable “know your customer” and anti-money laundering rules and regulations, including, without limitation, the USA Patriot Act, to the
extent such documentation or other information has been requested in writing at least five (5) Business Days prior to Fifth Amendment Effective Date. 
  

	SECTION 3.	REPRESENTATIONS AND WARRANTIES 

 Each of Holdings and the Borrower, on behalf of itself and each Loan Party, hereby represents and warrants to the Agents and each Lender, with respect to all Loan Parties, as follows: 

3.1 Incorporation of Representations and Warranties from Loan Documents. After giving effect to this Amendment, each of the
representations and warranties in the Credit Agreement and in the other Loan Documents are true and correct in all material respects (except to the extent that such representation or warranty is qualified as to materiality, in which case it shall be
true and correct in all respects) on and as of the date hereof as though made on and as of such date, except to the extent that any such representation or warranty expressly relates to an earlier date; 

3.2 Corporate Power and Authority. Each of Holdings and the Borrower has taken all necessary action to authorize the
execution, delivery and performance of this Amendment, this Amendment has been duly executed and delivered by each of Holdings and the Borrower, and this Amendment is the legal, valid and binding obligation of each of Holdings and the Borrower,
enforceable against it in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of creditors’ rights generally and by
general equitable principles; and 
 3.3 Absence of Default. Neither Holdings, the Borrower nor any of its
Restricted Subsidiaries is in violation of any Requirement of Law or Contractual Obligation that could reasonably be expected to have a Material Adverse Effect. At the time of and immediately after giving effect to this Amendment, no Default or
Event of Default has occurred and is continuing. 

  
 3 

	SECTION 4.	LENDER CONSENTS AND WAIVERS. 

 (a) Each Rollover Lender shall be deemed to agree, upon the Seventh Amendment Effective Date that all (or such lesser amount as the Administrative Agent may allocate to such Lender) of its Term B-1 Loans
shall constitute Additional Term B-2 Loans under the Credit Agreement, and such Term B-1 Loans shall be deemed repaid in full on the Seventh Amendment Effective Date, including for all accrued and unpaid interest, fees, expenses and other
compensation owed to such Rollover Lender and due and payable by the Borrower pursuant to the Credit Agreement and this Amendment. 
 (b) The Term B-1 Loans of each Assignment Lender shall be repaid in full on the Seventh Amendment Effective Date, including for all accrued and unpaid interest, fees, expenses and other compensation owed
to such Assignment Lender and due and payable by the Borrower pursuant to the Credit Agreement and this Amendment. Notwithstanding anything in the Credit Agreement to the contrary, each Assignment Lender agrees that it shall be deemed to have
completed an Assignment and Assumption pursuant to Section 10.06 of the Credit Agreement on the Seventh Amendment Effective Date and assumed from a Lender designated by the Administrative Agent an amount equal to the principal amount of such
repayment (or such lesser amount as the Administrative Agent may allocate to such Lender). 
 (c) Notwithstanding anything
herein to the contrary, the Additional Term B-2 Lenders waive the payment of any breakage loss or expense under Section 2.21 of the Credit Agreement in connection with the repayment of Term B-1 Loans on the Seventh Amendment Effective Date.

  

	SECTION 5.	MISCELLANEOUS 

 5.1
Reference to and Effect on the Loan Documents. 
 (a) As of the Seventh Amendment Effective Date, each reference in
the Credit Agreement to “this Agreement,” “hereunder,” “hereof,” “herein,” or words of like import, and each reference in the other Loan Documents to the Credit Agreement
(including, without limitation, by means of words like “thereunder”, “thereof” and words of like import), shall mean and be a reference to the Credit Agreement as amended by this Amendment. 

(b) Except as expressly amended hereby, all of the terms and provisions of the Credit Agreement and all other Loan Documents are and
shall remain in full force and effect and are hereby ratified and confirmed. 
 (c) The execution, delivery and effectiveness of
this Amendment shall not, except as expressly provided herein, operate as a waiver of any right, power or remedy of the Administrative Agent, any Lender or any Issuing Lender under the Credit Agreement or any Loan Document, or constitute a waiver or
amendment of any other provision of the Credit Agreement or any Loan Document (as amended hereby) except as and to the extent expressly set forth herein. 
 5.2 Costs and Expenses. The Borrower agrees to reimburse the Administrative Agent for its costs and expenses in connection with this Amendment (and the other Loan Documents delivered in
connection herewith) as provided in Section 10.5 of the Credit Agreement. 

  
 4 

 5.3 Reaffirmation. Each of Holdings and the Borrower hereby confirms that the
guaranties, security interests and liens granted pursuant to the Loan Documents continue to guarantee and secure the Obligations as set forth in the Loan Documents and that such guaranties, security interests and liens remain in full force and
effect. Each of Holdings and the Borrower confirms and ratifies its obligations under each of the Loan Documents executed by it after giving effect to this Amendment. 
 5.4 Counterparts. This Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be
an original and all of which taken together shall constitute one and the same agreement. Receipt by the Administrative Agent of a facsimile copy of an executed signature page hereof shall constitute receipt by the Administrative Agent of an executed
counterpart of this Amendment. 
 5.5 Governing Law. This Amendment and the rights and obligations of the parties
hereto shall be governed by, and construed and interpreted in accordance with, the law of the State of New York. 
 5.6
Loan Document and Integration. This Amendment is a Loan Document, and together with the other Loan Documents, incorporates all negotiations of the parties hereto with respect to the subject matter hereof and is the final expression and
agreement of the parties hereto with respect to the subject matter hereof. 
 5.7 Headings. Section headings
contained in this Amendment are included herein for convenience of reference only and shall not constitute a part of this Amendment for any other purposes. 
 5.8 Waiver of Jury Trial. EACH OF THE PARTIES HERETO IRREVOCABLY WAIVES TRIAL BY JURY IN ANY ACTION OR PROCEEDING WITH RESPECT TO THIS AMENDMENT OR ANY OTHER LOAN DOCUMENT. 

[SIGNATURE PAGES FOLLOW] 

  
 5 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by
their respective officers and members thereunto duly authorized, as of the date indicated above. 
  

					
	ALLISON TRANSMISSION HOLDINGS, INC.
		
	By:	 	 /s/ David S. Graziosi

	Name:	 	David S. Graziosi
	Title:	 	Executive Vice President, Chief Financial Officer, Treasurer and Assistant Secretary
	
	ALLISON TRANSMISSION, INC.
		
	By:	 	 /s/ David S. Graziosi

	Name:	 	David S. Graziosi
	Title:	 	Executive Vice President, Chief Financial Officer, Treasurer and Assistant Secretary

 [SIGNATURE PAGE TO AMENDMENT NO. 7] 

 
			
	 CITICORP NORTH AMERICA, INC., as Administrative Agent and Collateral Agent

		
	By:	 	  

		 	Name:
		 	Title:

  
 [SIGNATURE
PAGE TO AMENDMENT NO. 7] 

					
	Name of Lender:	 	  
	  	

  

					
	Executing as a New Term B-2 Lender:
			
		 	 by
	 	  

		 		 	Name:
		 		 	Title:
	
	 For any Institution requiring a second signature line:

			
		 	by	 	  

		 		 	Name:
		 		 	Title:

  

					
	 Credit Agreement Reference
	  	Aggregate Principal Amount	 
		
	 Additional Term B-2 Loan
	  	$	 	  

  
 [SIGNATURE
PAGE TO AMENDMENT NO. 7] 

 Exhibit A 
 Lender Consent to Amendment No. 7 
 This Lender Consent (“Lender
Consent”) to Amendment No. 7 (the “Amendment”) to that certain Credit Agreement, dated as of August 7, 2007 (as amended by Amendment No. 1, dated as of November 21, 2008, Amendment No. 2 and
Consent, dated as of dated as of October 4, 2012 and Amendment No. 6, dated as of the Sixth Amendment Effective Date, the “Credit Agreement”), among Allison Transmission Holdings, Inc., a Delaware corporation, Allison
Transmission, Inc., a Delaware corporation (the “Borrower”), the several banks and other financial institutions or entities from time to time parties thereto, Citicorp North America, Inc., as Administrative Agent, and the other
agents and arrangers parties thereto. Capitalized terms used but not defined in this Lender Consent have the meanings assigned to such terms in the Credit Agreement (as amended by the Amendment). 

The undersigned hereby irrevocably and unconditionally approves the Amendment and agrees to the following (check only ONE option): 

Rollover Settlement Option 
 to deem prepaid 100% of the outstanding principal amount of the Term B-1 Loans held by such Lender (or such lesser amount allocated to such Lender by the Administrative Agent) with proceeds of an
Additional Term B-2 Loan in a like principal amount. 
 Assignment Settlement Option 

to have 100% of the outstanding principal amount of the Term B-1 Loans held by such Lender prepaid on the Seventh Amendment Effective Date
and to purchase by assignment Additional Term B-2 Loans in a like principal amount (or such lesser amount allocated to such Lender by the Administrative Agent). 
 IN WITNESS WHEREOF, the undersigned has caused this Lender Consent to be executed and delivered by a duly authorized signatory as of the      of January, 2013. 

 

	
	  

	 as an Additional Term B-2 Lender (insert name
of the legal entity)

  

					
		 	by	 	
		 		 	  

		 		 	Name:
		 		 	Title:

 For any Institution requiring a second signature line: 

 

					
		 	by	 	
		 		 	  

		 		 	Name:
		 		 	Title:

  

					
	 Name of Fund Manager (if applicable):
	 	  
	  	

 Exhibit B 
 FORM OF CLOSING CERTIFICATE 
 CLOSING CERTIFICATE 

OF 

ALLISON TRANSMISSION HOLDINGS, INC. 
 Pursuant to Section 2.1(d) of Amendment No. 7, dated as of February [    ], 2013 (the “Amendment”; unless otherwise defined herein, terms defined in the
Amendment and used herein shall have the meanings given to them in the Amendment), to that certain Credit Agreement, dated as of August 7, 2007 (as amended, restated, supplemented or otherwise modified from time to time, including but not
limited to, the Amendment, the “Credit Agreement”), among Allison Transmission Holdings, Inc. (“Holdings”), Allison Transmission, Inc. (the “Borrower”), the several banks and other financial
institutions or entities from time to time parties to the Credit Agreement as lenders (the “Lenders”), Citicorp North America, Inc., as Administrative Agent, and the other agents and arrangers parties thereto, the undersigned
Assistant Secretary of Allison Transmission Holdings, Inc. (the “Company”), hereby certifies on behalf of the Company as follows: 
  

	 	1.	Eric C. Scroggins is the duly elected and qualified Secretary of the Company and the signature set forth for such officer below is such officer’s true and genuine
signature. 

 The undersigned Secretary of the Company hereby certifies as follows: 

 

	 	1.	Attached hereto as Annex 1 is a true and complete copy of a Certificate of Good Standing or the equivalent from the Company’s jurisdiction of organization
dated as of a recent date prior to the date hereof. 

  

	 	2.	Attached hereto as Annex 2 is a true and complete copy of resolutions duly adopted by the Board of Directors of the Company on
[                    ]. Such resolutions have not in any way been amended, modified, revoked or rescinded, have been in full force and effect since
their adoption to and including the date hereof and are now in full force and effect and are the only corporate proceedings of the Company now in force relating to or affecting the matters referred to therein. 

 

	 	3.	Attached hereto as Annex 3 is a true and complete copy of the Bylaws of the Company as in effect on the date hereof. 

 

	 	4.	Attached hereto as Annex 4 is a true and complete certified copy of the Articles of Incorporation of the Company as in effect on the date hereof, and such
Articles of Incorporation have not been amended, repealed, modified or restated. 

  

	 	5.	The persons listed on Schedule I hereto are now duly elected and qualified officers of the Company holding the offices indicated next to their respective names on
Schedule I hereto, and the signatures appearing opposite their respective names on Schedule I hereto are the true and genuine signatures of such officers, and each of such officers is duly authorized to execute and deliver on behalf of the Company
each of the Loan Documents to which it is a party and any certificate or other document to be delivered by the Company pursuant to the Loan Documents to which it is a party. 

 

	 	6.	Latham & Watkins LLP may rely on this certificate in rendering its opinion. 

 IN WITNESS WHEREOF, the undersigned have hereunto set our names as of the date set forth
below. 
  

									
		  		 		 	ALLISON TRANSMISSION HOLDINGS, INC.
			
	  
	 		 	  

					
	Name:	  	Eric C. Scroggins	 		 	Name:	 	David S. Graziosi
	Title:	  	Vice President, General Counsel and Secretary	 		 	Title:	 	Executive Vice President, Chief Financial Officer, Treasurer and Assistant Secretary
	Date:	  	February [    ], 2013	 		 		 	

 [HOLDINGS SIGNATURE PAGE TO AMENDMENT NO. 4 CLOSING CERTIFICATE] 

 Schedule I 
 to Closing Certificate 
  

					
			
	 NAME
	    	 OFFICE
	 	 SIGNATURE

			
	David S. Graziosi	    	Executive Vice President, Chief Financial Officer, Treasurer and Assistant Secretary	 	  

			
	Eric C. Scroggins	    	Vice President, General Counsel and SecretaryEX-10.1

 Exhibit 10.1 
 UNITED STATES OF AMERICA 
 DEPARTMENT OF THE TREASURY 

COMPTROLLER OF THE CURRENCY 
  

					
	 In the Matter of:

North American Savings Bank, FSB

Grandview, Missouri
	  	)
 )
 )
	  	AA-EC-2012-160

 CONSENT ORDER 
 WHEREAS, the Comptroller of the Currency of the United States of America (“Comptroller” or “OCC”), through his authorized representative, has supervisory authority over North
American Savings Bank, FSB, Grandview, Missouri (“Bank”). 
 WHEREAS, the Bank, by and through its duly elected
and acting Board of Directors (“Board”), has executed a Stipulation and Consent to the Issuance of a Consent Order (“Stipulation”), dated February 1, 2013, that is accepted by the Comptroller through his authorized
representative. 
 WHEREAS, by this Stipulation, which is incorporated by reference, the Bank has consented to the
issuance of this Consent Order (“Order”) by the Comptroller. 
 NOW THEREFORE, pursuant to the authority vested
in him by the Federal Deposit Insurance Act, as amended, 12 U.S.C. § 1818, the Comptroller hereby orders that: 
 ARTICLE I

 COMPLIANCE COMMITTEE 
 (1) Beginning immediately, the Bank’s Compliance Committee shall be responsible for monitoring and coordinating the Bank’s adherence to the provisions of this Order. 

(2) The Compliance Committee shall meet at least monthly. 

 (3) Within fifteen (15) days of every calendar quarter end, the Compliance Committee
shall submit a written progress report to the Board setting forth in detail: 
  

	 	(a)	A description of the action needed to achieve full compliance with each Article of this Order, Bank personnel responsible for implementing the corrective action, and
the time frames for completion; 

  

	 	(b)	Actions taken to comply with each Article of this Order; and 

  

	 	(c)	The results and status of those actions. 

 (4) The Board shall forward a copy of the Compliance Committee’s report, with any additional comments by the Board, to the Director by no later than thirty (30) days following the end of each
calendar quarter. 
 (5) The Board shall ensure that the Bank has processes, personnel, and control systems to ensure
implementation of, and adherence to, the policies, procedures, and programs required by this Order. 
 ARTICLE II 

BANK SECRECY ACT PROGRAM 
 (1) By May 31, 2013, the Board shall develop, implement, and thereafter ensure Bank adherence to a written program of policies and procedures to provide for compliance with the Bank Secrecy Act, as
amended (31 U.S.C. § 5311 et seq.), the regulations promulgated thereunder at 31 C.F.R. Chapter X, as amended, 12 C.F.R. § 163.177, and 12 C.F.R. § 163.180(d), and the rules and regulations of the Office of Foreign Assets
Control (“OFAC”) (collectively referred to as the “BSA”), and for the appropriate identification and monitoring of transactions that pose greater than normal risk for compliance with the BSA. This program shall include, at a
minimum, a system of internal controls, a program of independent testing, an independent and qualified BSA Officer and staff, and a comprehensive training program to ensure ongoing compliance with the BSA. The system of internal controls shall
include, at a minimum: 
  

	 	(a)	operating procedures for opening new accounts that provide for collecting customers’ identifying information, verifying customers’ identities, maintaining
identification records, and identifying and monitoring higher-risk accounts; 

  
 - 2 -

	 	(b)	comprehensive policies and procedures for identifying, monitoring, investigating, and resolving transactions that pose greater than normal risk for compliance with the
BSA; 

  

	 	(c)	policies and procedures for ensuring all suspicious and large currency transactions are identified and reported; and 

 

	 	(d)	a written, institution-wide, ongoing BSA risk assessment that accurately identifies the BSA risks posed to the Bank after consideration of all pertinent information.

 ARTICLE III 
 BANK SECRECY ACT RISK ASSESSMENT 
 (1) By February 15, 2013, the Board
shall develop, implement, and ensure Bank adherence to a written, institution-wide ongoing BSA risk assessment program that accurately identifies the BSA risks posed to the Bank after consideration of all pertinent information (“Risk
Assessment”). The Risk Assessment shall reflect a comprehensive analysis of the Bank’s vulnerabilities to money laundering and financial crimes activity and provide strategies to control risk and limit any identified vulnerabilities.

  
 - 3 -

 
The Risk Assessment methodology shall follow the risk assessment expectations and logic set forth in the 2010 FFIEC Bank Secrecy Act/Anti-Money Laundering Examination Manual and
shall include: 
  

	 	(a)	the identification of all activities and other elements that pose BSA risk to the Bank, including but not limited to, the volumes and types of the Bank’s:

  

	 	(i)	products and services; 

  

	 	(ii)	customers and entities; 

  

	 	(iii)	geographic locations; and 

  

	 	(iv)	methods that the Bank uses to interact with its customers such as face-to-face contact or through electronic means (collectively, (i) through (iv) are the
“specific risk categories”); 

  

	 	(b)	a detailed analysis of all data pertinent to the Bank’s specific risk categories in relation to the Bank’s Customer Identification Program (“CIP”)
and Customer Due Diligence Program (“CDD”). The analysis should consider, as appropriate, the following factors: 

  

	 	(i)	purpose of the account; 

  

	 	(ii)	actual or anticipated activity in the account; 

  

	 	(iii)	nature of the customer’s business or occupation; 

  

	 	(iv)	geographic location; and 

  

	 	(v)	the types of products and services used by the customer; 

  

	 	(c)	an assessment of BSA risk both individually within the Bank’s business lines and on a consolidated basis across all Bank activities and product lines; and

  
 - 4 -

	 	(d)	a provision requiring maintenance of appropriate documentation, including CDD information, to support the Risk Assessment conclusions. 

(2) The Board shall ensure the Risk Assessment is updated annually, at minimum, to identify and respond to changes in the Bank’s
risk profile (new products or services, changes to existing products or services, higher-risk customer activities, etc.). 
 (3)
The Board shall require annual independent testing to confirm the reasonableness of the Risk Assessment conclusions. The Board shall review the results of the testing for appropriateness and whether changes are needed to the Risk Assessment or the
Bank’s BSA program and document its review in writing. 
 ARTICLE IV 

BANK SECRECY ACT ENHANCED DUE DILIGENCE (“EDD”) 
 (1) By March 31, 2013, the Board shall develop, implement, and thereafter ensure Bank adherence to expanded account opening policies and procedures for all accounts that pose greater than normal risk
for compliance with the BSA. The policies and procedures shall include, at a minimum: 
  

	 	(a)	identification of all account owners and beneficial owners in compliance with applicable rules, regulations, and regulatory guidance; 

 

	 	(b)	identification of the officers, directors, major shareholders, or partners, as applicable; and 

 

	 	(c)	documentation of the following minimum information, as relevant, for all Bank customers that pose greater than normal risk for compliance with the BSA:

  

	 	(i)	purpose of the account; 

  
 - 5 -

	 	(ii)	source of the customer’s funds and wealth; 

  

	 	(iii)	occupation or type of business conducted by the customer; 

  

	 	(iv)	domicile of the business; 

  

	 	(v)	any relevant financial information concerning the customer; 

  

	 	(vi)	proximity of the customer’s residence, place of employment, or place of business to the Bank; 

 

	 	(vii)	description of the customer’s primary trade area and whether international transactions are expected to be routine; 

 

	 	(viii)	description of the business operations, the anticipated volume of currency and total sales, and a list of major customers and suppliers; 

 

	 	(ix)	explanations for changes in account activity; and 

  

	 	(x)	any other due diligence required by this Order, the BSA Officer, any Reports of Examination, or the Bank. 

(2) By May 31, 2013, the Bank shall obtain the information required in the preceding paragraph (1) of this Article for all
existing customer accounts that pose greater than normal risk for compliance with the BSA. 
 (3) The Bank shall have a policy
for not opening an account, allowing the use of an account while verifying a customer’s identity or other risks, closing an account, and filing Suspicious Activity Reports (“SARs”) if the Bank does not receive the information required
by paragraphs (1) and (2) of this Article by the date the information is due or if the Bank is not able to form a reasonable belief that it knows the true identity of a customer. 

  
 - 6 -

 (4) The BSA Officer or his/her designee shall review at least once every twelve
(12) months account documentation for all higher-risk customers and the related accounts of those customers at the Bank to determine whether the account activity is consistent with the customer’s business and the stated purpose of the
account. 
 (5) The Bank shall not open any account for a customer, and shall close any existing account of a customer, if the
information available to the Bank indicates that the customer’s relationship with the Bank would be detrimental to the reputation of the Bank. 
 (6) The term “related accounts,” as referenced in this Article, shall be broadly construed and shall include the following accounts: 

 

	 	(a)	all accounts for which there are common signatories, officers, directors, addresses, taxpayer identification numbers, or phone numbers that can be reasonably
identified; 

  

	 	(b)	all accounts of a customer’s immediate relatives by blood, marriage, or adoption (for example, spouses, children, parents, siblings, uncles, and aunts) that can be
reasonably identified; 

  

	 	(c)	all accounts of any corporation, joint enterprise, partnership, or any undertaking whatsoever that can be reasonably identified as controlled by or operated
substantially in the interest of any Bank customer. “Control” includes direct or indirect ownership of ten percent (10%) or more of the stock, capital, or equity of any such undertaking; and “substantial interest” shall mean
derivation in any manner of income of ten thousand dollars ($10,000) or more per annum from the operation of any such undertaking; 

  
 - 7 -

	 	(d)	all accounts where the Bank’s customer can be reasonably identified as exercising control or authority over the account holder; and 

 

	 	(e)	any account(s) so designated by the Director. 

 ARTICLE V 
 BANK SECRECY ACT ONGOING MONITORING 

(1) By March 31, 2013, in response to the risks identified in the Risk Assessment performed pursuant to Article III of this Order,
the Board shall develop, implement, and thereafter ensure Bank adherence to a written program of policies and procedures to provide for the appropriate identification, analysis, and monitoring of transactions that pose greater than normal risk for
compliance with the BSA. This program shall include, at a minimum, enhanced policies and procedures for transactions that pose greater than normal risk for compliance with the BSA, including: 

 

	 	(a)	timely identification and monitoring of transactions, including: 

  

	 	(i)	employee identification and referral; 

  

	 	(ii)	law enforcement inquiries and requests; and 

  

	 	(iii)	use of automated systems; 

  

	 	(b)	application of appropriate thresholds and filters for automated systems in monitoring all types of transactions, accounts, customers, products, services, and geographic
areas that include, at a minimum: 

  

	 	(i)	meaningful thresholds and alert scenarios for filtering accounts and customers for further monitoring, review, and analysis; 

 

	 	(ii)	an analysis of the thresholds and filters established by the Bank; 

  
 - 8 -

	 	(iii)	maintenance of documentation supporting the Bank’s methodology for establishing thresholds and filters; and 

 

	 	(iv)	periodic independent testing of thresholds and filters for their appropriateness to the Bank’s customer base, products, services, and geographic area;

  

	 	(c)	timely investigation and resolution of transactions; and 

  

	 	(d)	recording, maintaining, and recalling information. 

 (2) By March 31, 2013, the Board shall develop, implement, and thereafter ensure Bank adherence to a written program of policies and procedures for the identification and ongoing monitoring of
higher-risk customers. These policies and procedures shall include, at a minimum: 
  

	 	(a)	maintenance of an accurate and complete list of higher-risk customers using: 

 

	 	(i)	CDD information, including normal and expected account activity; 

  

	 	(ii)	the BSA risk assessment; and 

  

	 	(iii)	automated systems; 

  

	 	(b)	periodic review of reports on all higher-risk customers that include: 

  

	 	(i)	the name of the customer; 

  

	 	(ii)	the officers, directors, and major shareholders of any corporate customer, and the partners of any partnership customer; 

 

	 	(iii)	any other accounts maintained by the customer and, as applicable, its officers, directors, major shareholders, or partners; 

 

	 	(iv)	any related accounts of the customer at the Bank; 

  
 - 9 -

	 	(v)	any action the Bank has taken on the account; 

  

	 	(vi)	the purpose and balance of the account; and 

  

	 	(vii)	any unusual activity for each account or any significant deviations from expected activity as set forth in the Bank’s CDD and EDD file; and

  

	 	(c)	a requirement for a detailed annual review of each higher-risk customer that includes updating all pertinent customer information, analyzing actual activity and
comparing it with expected activity, and taking action(s) as deemed appropriate based on the results of the review. 

 ARTICLE VI 
 BANK SECRECY ACT SUSPICIOUS ACTIVITY REPORTING 

(1) By March 31, 2013, the Board shall develop, implement, and thereafter ensure Bank adherence to a written program to establish a
system of internal controls and processes to ensure compliance with the requirements to file SARs as set forth in 12 C.F.R. § 163.180(d). At a minimum, this written program shall include appropriate policies and procedures to ensure that the
Bank: 
  

	 	(a)	identifies and reports known or suspected violations of Federal law, violations of the BSA, or suspicious transactions related to money laundering activity, including
suspicious activity relating to the opening of new accounts, identified through the monitoring of current accounts, and the transfer of funds through the Bank; 

  
 - 10 -

	 	(b)	files SARs within the time frames specified in the applicable rules, regulations, and regulatory guidance, and files follow-up SARs every ninety (90) days in cases
where suspicious activity is ongoing; 

  

	 	(c)	files accurate and complete SARs with narratives that provide a sufficient description of the activity reported and the basis for filing; 

 

	 	(d)	thoroughly documents individual SAR decisions; 

  

	 	(e)	provides sufficient information on its SAR filings to the Board or an appropriate committee thereof; and 

 

	 	(f)	retains copies of SARs and supporting documentation for five (5) years from the date of filing the SAR. 

ARTICLE VII 

BANK SECRECY ACT AUDIT 
 (1) By May 31, 2013, the Board shall cause the Bank to undergo a comprehensive BSA audit conducted by a qualified, independent third party. 

(2) By May 31, 2013, the Board shall adopt, implement, and thereafter ensure Bank adherence to an effective, independent, BSA audit
program, so that its scope, testing, documentation , and follow-up testing are sufficient to: 
  

	 	(a)	detect irregularities in the Bank’s operations; 

  

	 	(b)	determine the Bank’s level of compliance with all applicable laws, rules, regulations, and regulatory guidance; 

 

	 	(c)	evaluate the Bank’s adherence to established policies and procedures; 

 

	 	(d)	perform an appropriate level of testing to support the audit findings; and 

 

	 	(e)	ensure adequate audit coverage in all areas. 

  
 - 11 -

 (3) The Board shall ensure that the person(s) or external firm responsible for implementing
the BSA audit program described in paragraph (2) of this Article reports directly to the Board, or a designated committee thereof, which shall have the sole power to direct the audit activities. All reports prepared by the audit staff shall be
filed directly with the Board, or a designated committee thereof, and not through any intervening party. 
 (4) All audit
reports shall be in writing and supported by adequate workpapers, which must be provided to the Bank. The Board, or a designated committee thereof, shall ensure the Bank takes immediate actions to remedy deficiencies cited in audit reports, and that
auditors maintain a written record describing those actions. 
 (5) The audit staff shall have access to any records necessary
for the proper conduct of its activities. The OCC shall have access to all reports and work papers of the audit staff and any other parties working on its behalf. 
 ARTICLE VIII 
 BANK SECRECY ACT OFFICER AND STAFFING 

(1) The Board shall ensure that the Bank has a permanent, qualified, and experienced BSA Officer who shall be vested with sufficient
authority to fulfill the duties and responsibilities of the position and ensure the safe and sound operation of the Bank at all times. In the event that the position is vacated, the Board shall within ninety (90) days appoint a new BSA Officer.

  
 - 12 -

 (2) By February 28, 2013, the Board shall conduct a formal written assessment of the
Bank’s oversight and infrastructure to ensure compliance with the BSA. This assessment shall include, at a minimum: 
  

	 	(a)	the adequacy of Board knowledge, oversight, and management information systems regarding the BSA requirements and Bank compliance; 

 

	 	(b)	the adequacy of BSA compliance function staffing, including: 

  

	 	(i)	the level and scope of responsibilities of the BSA Officer; 

  

	 	(ii)	the knowledge, skills, and capability of the BSA Officer to conduct assigned responsibilities and ensure the Bank’s compliance with the BSA; and

  

	 	(iii)	the number of staff needed to support the BSA Officer and the Bank’s BSA compliance function, and the level and scope of responsibilities of any supporting staff;

  

	 	(c)	the BSA Officer’s reporting structure and independence from the Bank’s management; and 

 

	 	(d)	the Bank’s performance management program that addresses periodic performance evaluations of staff involved with BSA compliance. 

(3) By March 31, 2013, based on the results of the assessment required under paragraph (2) of this Article, the Board shall
implement any changes that are needed regarding the Bank’s BSA Officer and supporting staff, including the responsibilities, authority, structure, independence, competencies, or capabilities. In particular, the Board shall ensure that the BSA
Officer and supporting staff have sufficient training, authority, and skill to perform their assigned responsibilities. 

  
 - 13 -

 ARTICLE IX 
 BANK SECRECY ACT TRAINING 
 (1) By February 28, 2013, the Board shall
receive adequate training on BSA risks and program requirements, to be conducted by a qualified and knowledgeable individual. 

(2) By April 30, 2013, the Board shall develop, implement, and thereafter ensure Bank adherence to a comprehensive training program
for all Bank employees to ensure their awareness of their responsibility for compliance with the requirements of the BSA. This comprehensive training program shall: 
  

	 	(a)	provide for more extensive BSA training for all operational and supervisory personnel assigned to the Bank’s BSA compliance function; 

 

	 	(b)	provide for more targeted training for other personnel focusing on the individual’s specific duties and responsibilities; and 

 

	 	(c)	include strategies for mandatory attendance, the frequency of training, procedures and timing for updating the training program and materials, and the method for
delivering training. 

 ARTICLE X 
 ACCOUNT/TRANSACTION ACTIVITY REVIEW 
 (1) By February 28, 2013, the
Board shall submit to the Director for a written determination of no supervisory objection, a written plan to review account and transaction activity occurring at the Bank to determine whether suspicious activity was timely identified by the Bank,
and if appropriate to do so, was then reported by the Bank in accordance with 12 C.F.R. § 163.180(d), as amended (“Activity Review”). 

  
 - 14 -

 (2) The Activity Review plan shall be risk-based, including risks identified in the Risk
Assessment performed pursuant to Article III of this Order, and shall identify the sampling, software screening, or analytical techniques the Bank will use to identify transactions that pose (or posed) greater than normal risk for compliance with
the BSA, including at a minimum: 
  

	 	(a)	deposit accounts; 

  

	 	(b)	wire transactions; 

  

	 	(c)	monetary instrument transactions; and 

  

	 	(d)	cash transactions (including structuring). 

 (3) In the event the Director provides written comments, the Board shall immediately make the necessary revisions to the Activity Review plan and resubmit the plan to the Director. 

(4) Within ninety (90) days of receiving a written determination of no supervisory objection from the Director, the Board shall
complete the Activity Review in accordance with the plan submitted pursuant to paragraph (1) of this Article. Upon completion of the Activity Review, the written findings shall be reported to the Board, with a copy to the Director. The Bank
shall file SARs, in accordance with 12 C.F.R. § 163.180(d), for any previously unreported suspicious activity identified during the Activity Review. 
 (5) Based on the results of the Activity Review, the OCC, at its sole discretion, may expand the scope of the Activity Review and require a longer Activity Review period. If additional Activity Review is
deemed appropriate by the Director, the Bank shall complete the additional Activity Review in accordance with this Article. 

  
 - 15 -

 ARTICLE XI 
 CLOSING 
 (1) Although the Bank is required by this Order to submit certain
proposed actions and programs for the review or prior written determination of no supervisory objection of the Director, the Board has the ultimate responsibility for proper and sound management of the Bank and the completeness and accuracy of the
Bank’s books and records. 
 (2) It is expressly and clearly understood that if, at any time, the Comptroller deems it
appropriate in fulfilling the responsibilities placed upon him by the several laws of the United States of America to undertake any action affecting the Bank, nothing in this Order shall in any way inhibit, estop, bar, or otherwise prevent the
Comptroller from so doing. 
 (3) The provisions of this Order are effective upon the issuance of this Order by the Comptroller,
through his authorized representative whose signature appears below, and shall remain effective and enforceable, except to the extent that, and until such time as, any provisions of this Order shall have been amended, suspended, waived, or
terminated in writing by the Comptroller. 
 (4) Except as otherwise expressly provided herein, any time limitation imposed by
this Order shall begin to run from the effective date of this Order. 
 (5) If the Bank requires a waiver or suspension of any
provision or an extension of any time frame within this Order, the Board shall submit a written request to the Director asking for relief. Any written requests submitted pursuant to this Article shall include a statement setting forth in detail,
with relevant supporting documentation, the special facts and circumstances that support the waiver or suspension of any provision or an extension of a time frame within this Order. 

  
 - 16 -

 (6) The Director’s decision concerning a request submitted pursuant to paragraph
(5) of this Article is final and not subject to further review. 
 (7) In each instance in this Order in which the Board or
a Board committee is required to ensure adherence to, or undertake to perform certain obligations of the Bank, it is intended to mean that the Board shall: 
  

	 	(a)	authorize and adopt such actions on behalf of the Bank as may be necessary for the Bank to perform its obligations and undertakings under the terms of this Order;

  

	 	(b)	require the timely reporting by Bank management of such actions directed by the Board to be taken under the terms of this Order; 

 

	 	(c)	follow up on any noncompliance with such actions in a timely and appropriate manner; and 

 

	 	(d)	require corrective action be taken in a timely manner for any noncompliance with such actions. 

(8) Each citation or referenced guidance included in this Order includes any subsequent guidance that replaces, supersedes, amends, or
revises the cited law, regulation, or guidance. 
 (9) This Order is intended to be, and shall be construed to be, a final order
issued pursuant to 12 U.S.C. § 1818(b), and expressly does not form, and may not be construed to form, a contract binding on the Comptroller or the United States. 

  
 - 17 -

 (10) All reports or plans that the Bank or Board has agreed to submit to the Director
pursuant to this Order shall be forwarded to: 
  

			
	 Director for Special Supervision
	 	With a copy to:
	 Office of the Comptroller of the Currency
	 	Assistant Deputy Comptroller
	 250 E Street S.W.
	 	Kansas City Field Office
	 Mail Stop 8E-12
	 	7101 College Boulevard, Suite 1600
	 Washington, DC 20219
	 	Overland Park, KS 66210-2077

 (11) The terms of this Order, including this paragraph, are not subject to amendment or modification by
any extraneous expression, prior agreements, or prior arrangements between the parties, whether oral or written. 
 IT
IS SO ORDERED, this 1st day of February, 2013.

  

	
	 /s/ Michael R. Brickman

	 Michael R. Brickman

Director for Special Supervision

  
 - 18 -

 UNITED STATES OF AMERICA 

DEPARTMENT OF THE TREASURY 
 COMPTROLLER OF THE CURRENCY 
  

							
	 In the Matter of:

North American Savings Bank, FSB        

Grandview, Missouri
	  	 
  
  
	)
 )

)
	  
   

  
	  	AA-EC-2012-160

 STIPULATION AND CONSENT TO THE ISSUANCE 

OF A CONSENT ORDER 
 WHEREAS, the Comptroller of the Currency of the United States of America (“Comptroller” or “OCC”) intends to initiate cease and desist proceedings against North American Savings
Bank, FSB, Grandview, Missouri (“Bank”) pursuant to 12 U.S.C. § 1818(b) through the issuance of a Notice of Charges for unsafe or unsound banking practices and violations of law relating to the Bank Secrecy Act. 

WHEREAS, the Bank, in the interest of compliance and cooperation, consents to the issuance of a Consent Order, dated
February 1, 2013 (“Order”) by executing this Stipulation and Consent to the Issuance of a Consent Order (“Stipulation”); 
 NOW THEREFORE, in consideration of the above premises, the Comptroller, through his authorized representative, and the Bank, through its duly elected and acting Board of Directors, hereby stipulate
and agree to the following: 
 ARTICLE I 
 JURIDICTION 
 (1) The Bank is a “Federal savings association”
within the meaning of 12 U.S.C. § 1462(3) and an “insured depository institution” within the meaning of 12 U.S.C. § 1813(c). 
 (2) The Comptroller is “the appropriate Federal banking agency” regarding the Bank pursuant to 12 U.S.C. §§ 1813(q) and 1818(b). 

 (3) The Bank is an “insured depository institution” within the meaning of 12
U.S.C. § 1818(b)(1). 
 ARTICLE II 
 AGREEMENT 
 (1) The Bank, without admitting or denying any wrongdoing,
hereby consents and agrees to the issuance of the Order by the Comptroller. 
 (2) The Bank further agrees that said Order shall
be deemed an “order issued with the consent of the depository institution” as defined in 12 U.S.C. § 1818(h)(2), and consents and agrees that said Order shall become effective upon its issuance and shall be fully enforceable by the
Comptroller under the provisions of 12 U.S.C. § 1818(i). 
 (3) Notwithstanding the absence of mutuality of obligation, or
of consideration, or of a contract, the Comptroller may enforce any of the commitments or obligations herein undertaken by the Bank under his supervisory powers, including 12 U.S.C. § 1818(i), and not as a matter of contract law. The Bank
expressly acknowledges that neither the Bank nor the Comptroller has any intention to enter into a contract. 
 (4) The Bank
declares that no separate promise or inducement of any kind has been made by the Comptroller, or by his agents or employees, to cause or induce the Bank to consent to the issuance of the Order and/or execute the Order. 

(5) The Bank also expressly acknowledges that no officer or employee of the Comptroller has statutory or other authority to bind the
United States, the U.S. Treasury Department, the Comptroller, or any other Federal bank regulatory agency or entity, or any officer or employee of any of those entities to a contract affecting the Comptroller’s exercise of his supervisory
responsibilities. 

 (6) The terms and provisions of this Stipulation and the Order shall be binding upon, and
inure to the benefit of, the parties hereto and their successors in interest. Nothing in this Stipulation or the Order, express or implied, shall give any person or entity, other than the parties hereto, and their successors hereunder, any benefit
or any legal or equitable right, remedy, or claim under this Stipulation or the Order. 
 ARTICLE III 

WAIVERS 

(1) The Bank, by signing this Stipulation, hereby waives: 

 

	 	(a)	the issuance of a Notice of Charges pursuant to 12 U.S.C. § 1818(b); 

  

	 	(b)	any and all procedural rights available in connection with the issuance of the Order; 

 

	 	(c)	all rights to a hearing and a final agency decision pursuant to 12 U.S.C. § 1818(i), 12 C.F.R. Part 109; 

 

	 	(d)	all rights to seek any type of administrative or judicial review of the Order; and 

 

	 	(e)	any and all rights to challenge or contest the validity of the Order. 

 ARTICLE IV 
 CLOSING PROVISIONS 

(1) The provisions of this Stipulation shall not inhibit, estop, bar, or otherwise prevent the Comptroller from taking any other action
affecting the Bank if, at any time, he deems it appropriate to do so to fulfill the responsibilities placed upon him by the several laws of the United States of America. 

 (2) Nothing in this Stipulation shall preclude any proceedings brought by the Comptroller to
enforce the terms of the Order, and nothing in this Stipulation constitutes, nor shall the Bank contend that it constitutes, a waiver of any right, power, or authority of any other representative of the United States or an agency thereof, including,
without limitation, the United States Department of Justice, to bring other actions deemed appropriate. 
 IN TESTIMONY
WHEREOF, the undersigned, authorized by the Comptroller as his representative, has hereunto set his hand on behalf of the Comptroller. 
  

					
	/s/ Michael R. Brickman	  		  	 February 1, 2013

	 Michael R. Brickman
	  		  	Date
	 Director for Special Supervision
	  		  	

  

 IN TESTIMONY WHEREOF, the undersigned, as the duly elected and acting Board of
Directors of the Bank, have hereunto set their hands on behalf of the Bank. 
  

					
	 /s/ Frederick V. Arbanas
	  		  	 February 1, 2013

	 Frederick V. Arbanas

 
 /s/ Barrett Brady
	  		  	 Date
  

February 1, 2013

	 Barrett Brady
  

/s/ Laura Brady
	  		  	 Date
  

February 1, 2013

	 Laura Brady
  

/s/ Keith Cox
	  		  	 Date
  

February 1, 2013

	 Keith Cox
  

/s/ David H. Hancock
	  		  	 Date
  

February 1, 2013

	 David H. Hancock

 
 /s/ Linda S. Hancock
	  		  	 Date
  

February 1, 2013

	 Linda S. Hancock

 
 /s/ Paul L. Thomas
	  		  	 Date
  

February 1, 2013

	 Paul L. Thomas
  

/s/ W. Russell Welsh
	  		  	 Date
  

February 1, 2013

	 W. Russell Welsh
	  		  	Date

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