Document:

Exhibit 10.10 

SECURITY CAPITAL ASSURANCE LTD

  STOCK OPTION AGREEMENT 

     AGREEMENT, made and entered into this ____ day of ___________, 2006 by and between Security Capital Assurance Ltd (the “Company”), a Bermuda corporation, and _____________ (the “Option Holder”). 

     WHEREAS, the Option Holder has been designated to participate in the Security Capital Assurance Ltd 2006 Long Term Incentive and Share Award Plan (the “Plan”); 

     NOW, THEREFORE, in consideration of the premises and mutual covenants contained herein, and for other good and valuable consideration, the Company and the Option Holder agree as follows: 

          (a) Grant. Pursuant to the provisions of the Plan, the terms of which are incorporated herein by reference,
the Company hereby grants to the Option Holder the right and option (the “Option”) to purchase ___________ Shares. The Option is granted as of _______________, 2006 (the “Date of Grant”), and such grant is
subject to the terms and conditions herein and the terms and conditions of the Plan. Such Option is not intended to be treated as an incentive stock option under Section 422 of the Internal Revenue Code of 1986, as amended (the “Code”). In
the event there is any conflict between the terms of the Plan and this Agreement, the terms of the Plan shall control. Capitalized terms used herein but not defined shall have the meanings given to them in the Plan. 

          (b) Exercise Price. The exercise price of the Shares subject to the Option shall be equal to
$_____ per Share. 

          (c) Term of Option. The Option may be exercised only during the period commencing on the date it vests and
becomes exercisable under paragraph (d) below and continuing until the close of business on the tenth anniversary of the Date of Grant (the “Option Period”). The Option Holder’s exercise rights during the Option Period shall be
subject to limitations as hereinafter provided and shall be subject to sooner termination in the event of Termination of Service as provided in paragraph (e) below. At the end of the Option Period or, if earlier, the termination of the period of
exercisability as provided in paragraph (e), below, the Option shall terminate. 

          (d) Exercisability. The Option shall vest and become exercisable in four equal annual installments, beginning
on the first anniversary of the Date of Grant and continuing on each of the following three anniversaries of the Date of Grant; provided, however, that the Option shall be immediately vested and exercisable in full (i) upon a Change in Control, (ii) upon the Option Holder’s Termination of Service due to his or her death, Disability or Retirement, or (iii) upon Termination
of Service of the Option Holder by 

  -2-

the Company by reason of the Option Holder’s Redundancy. “Redundancy” shall mean termination of employment by the Company due to its need to reduce the size of its workforce, including due to closure of a business
or a particular workplace or change in business process. Whether a termination of employment is due to “Redundancy” shall be determined in good faith by the Committee in its sole and absolute discretion, such determination being final and
binding on all parties hereto and all persons claiming through, in the name of or on behalf of such parties. For purposes of this Agreement, (i) “Retirement” shall mean the termination of employment by the Option Holder after the sum of
his or her age and full years of continuous service with the Company equals or exceeds 65, and (ii) a Termination of Service shall be due to “Disability” of the Option Holder if, upon such Termination of Service, the Option Holder
qualifies for long-term disability benefits under the Company’s Long-Term Disability Plan. The portion of the Option, if any, that is not exercisable immediately following the Option Holder ’s Termination of Service shall be immediately
forfeited. 

          (e) Termination. The Option shall terminate upon the first of the following events to occur: 

          (i) the tenth anniversary of the Date of Grant; 

          (ii) the third anniversary of the death or Disability of the Option Holder; 

          (iii) unless otherwise provided in an Employment Agreement between the Option Holder and the Company, the third anniversary of Termination of
Service of the Option Holder by the Company not for Cause (including termination of the Option Holder’s employment by the Company by reason of the Option Holder’s Redundancy) within two years following a Change in Control (the
“Post-Change Period”); 

          (iv) ninety days following Termination of Service of the Option Holder by the Company not for Cause (including termination of the Option
Holder’s employment by the Company by reason of the Option Holder’s Redundancy) outside a Post-Change Period; 

          (v) the date of Termination of Service of the Option Holder if such termination is by the Company for Cause; or 

          (vi) thirty days after the Termination of Service of the Option Holder if other than due to the Option Holder’s Retirement and other than
as set forth in (ii), (iii), (iv) or (v) of this paragraph (e). For the avoidance of doubt, if an Option Holder’s employment terminates due to his or her Retirement, the Option shall remain exercisable until the tenth anniversary of the Date of
Grant. 

For purposes of this Agreement, "Cause" shall mean: 

  -3-

          (i) conviction of the Option Holder of a felony involving moral turpitude or dishonesty; 

          (ii) the Option Holder, in carrying out his or her duties for the Company, has been guilty of (1) gross neglect or (2) willful misconduct; provided, however, that any act or failure to act by the Option Holder shall not constitute Cause for this purpose if such act or failure to act was committed, or omitted, by the Option
Holder in good faith and in a manner reasonably believed to be in the overall best interests of the Company. The determination of whether the Option Holder acted in good faith and that he or she reasonably believed his or her action to be in the
Company's overall best interest will be in the reasonable judgment of the Committee; or 

          (iii) the Option Holder’s continued willful refusal to obey any appropriate policy or requirement duly adopted by the Company and the continuance of such refusal after receipt of notice.

          (f) Death After Service. In the event the Option Holder dies after his or her Termination of Service at a time
when all or a portion of the Option remains exercisable, the estate or other legal representative of the Option Holder shall be entitled to exercise the portion of the Option that remains exercisable during the period the Option Holder would have
been eligible to exercise the Option had the Option Holder not died. 

          (g) Exercise of Option. In order to exercise the Option, the Option Holder shall submit to the Company an
instrument in writing specifying the number of Shares in respect of which the Option is being exercised, accompanied by payment, in a manner acceptable to the Committee, of the Option Price of the Shares in respect of which the Option is being
exercised. Shares shall then be issued by the Company; provided, however, that the Company shall not be obligated to issue any
Shares hereunder if the issuance of such Shares would violate the provisions of any applicable law. 

          (h) No Rights of Shareholder; No Rights of Continued Employment. The Option Holder shall not, by virtue of the
Option, be entitled to any rights of a shareholder of the Company until Shares are issued to the Option Holder. The grant of the Option shall not confer on the Option Holder any right with respect to continuance of the Option Holder's service with
the Company nor shall such grant interfere in any way with the right of the Company to terminate the Option Holder’s service at any time. 

          (i) Nonassignability. The Option may be assigned or otherwise transferred only in the following circumstances:
(i) by will or the laws of descent and distribution; (ii) by valid beneficiary designation taking effect at death made in accordance with procedures established by the Committee; or (iii) by the Option Holder to members of the Option Holder's
"immediate family," to a trust established for the exclusive benefit of solely one or more members of the Option Holder's "immediate family" and/or the Option Holder, or to a 

  -4-

partnership, limited liability company or other entity under which the only partners, members or equity holders are one or more members of the Option Holder's "immediate family" and/or the Option Holder. Any Option held by the
transferee will continue to be subject to the same terms and conditions that were applicable to the Option immediately prior to the transfer, except that the Option will be transferable by the transferee only by will or the laws of descent and
distribution. For purposes hereof, "immediate family" means the Option Holder's children, stepchildren, grandchildren, parents, stepparents, grandparents, spouse, siblings (including half brothers and sisters), nieces, nephews, in-laws, and
relationships arising because of legal adoption. 

          (j) Restrictions on Transfer of Shares. Neither the Shares nor any interest in them may be sold, assigned,
pledged, hypothecated, encumbered or in any other manner transferred or disposed of, in whole or in part, except in compliance with the terms, conditions and restrictions as set forth in the governing instruments of the Company, applicable United
States federal and state securities laws or other applicable laws or regulations and the terms and conditions hereof. 

          (k) Withholding. The Option Holder acknowledges that when the Option Holder is required to recognize income
for any tax purposes as the result of the exercise of the Option, such income may be subject to the withholding of tax by the Company. The Option Holder agrees that the Company may either withhold an appropriate amount from any compensation or any
other payment of any kind then payable or which may become payable to the Option Holder, or the Company may require the Option Holder to make a cash payment to the Company equal to the amount of withholding required in the opinion of the Company. In
the event the Option Holder does not make such payment when requested, the Company may refuse to issue or cause to be delivered any Shares under this Agreement until such payment has been made or arrangements for such payment satisfactory to the
Company have been made. In addition, such withholding tax obligations may be satisfied by withholding Shares upon exercise of the Option; provided that the amount of tax withholding to be
satisfied by withholding Shares shall be limited to the minimum amount of taxes, including employment taxes, required to be withheld under applicable law. 

          (l) References. References herein to rights and obligations of the Option Holder shall apply where
appropriate, to the Option Holder’s legal representative or estate without regard to whether specific reference to such legal representative or estate is contained in a particular provision of this Agreement. 

          (m) Notice. Any notice required or permitted to be given under this Agreement shall be in writing and shall be
deemed to have been given when delivered personally or by courier, or sent by certified or registered mail, postage prepaid, return receipt requested, duly addressed to the party concerned at the address indicated below or to such changed address as
such party may subsequently by similar process given notice of: 

  -5-

	 	
If to the Company: 
	
	 	 

	
	 	
Security Capital Assurance Ltd 
	
	 	
One Bermudiana Road 
	
	 	
Hamilton HM11, Bermuda 
	
	 	 
	 	 
	 	Attention: Chief Financial Officer
	 	 

	
	 	 
	

	 	
If to the Option Holder: 
	
	 	 

	
	 	
At the Option Holder's most recent 
	
	 	
address shown on the Company's 
	
	 	
corporate records, or at any other 
	
	 	
address which the Option Holder may 
	
	 	
specify in a notice to the Company 
	
	 	
delivered in the manner set forth herein. 
	

          (n) Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State
of New York, without giving effect to principles of conflict of laws. 

          (o) Acknowledgement. The Option Holder, by execution of this Agreement, acknowledges receipt of the Option
granted on the date shown above, as well as a copy of the Plan and the Plan Prospectus. 

          (p) Protective Covenants. The Option Holder agrees, during employment and after his or her Termination of
Service for any reason, (1) not to disclose any trade or secret data or any other confidential information acquired during employment by the Company or a Subsidiary or Affiliate of the Company, (2) to abide by all the terms and conditions of the
Plan and this Agreement, and (3) for the period ending one year after such Termination of Service, not to interfere with the employment of any other employee of the Company or a Subsidiary or Affiliate of the Company. 

          (q) Counterparts. This Agreement may be executed in multiple counterparts, each of which shall be regarded for
all purposes as an original constituting but one and the same instrument. 

  -6-

          IN WITNESS WHEREOF, the undersigned have executed this Agreement as of the date first written above. 

	 	SECURITY CAPITAL ASSURANCE LTD 	
	 	 	 

	
	 	 	 
	 	By:	 
	 	 	      
	
	 	 	Name: 
	
	 	 	Title: 
	
	 	 	 

	
	 	 	 

	
	 	By: 	 
	 	 	

	
	 	 	Option HolderExhibit 4.11

 

EXHIBIT 4.11

NTN COMMUNICATIONS, INC.

2004 PERFORMANCE INCENTIVE PLAN

INCENTIVE STOCK OPTION AGREEMENT

     THIS INCENTIVE STOCK OPTION AGREEMENT (this “Option Agreement”)
dated June 28, 2005 by and between NTN COMMUNICATIONS, INC., a Delaware corporation (the
“Corporation”), and STANLEY B. KINSEY (the “Grantee”) evidences the incentive stock option (the
“Option”) granted by the Corporation to the Grantee as to the number of shares of the Corporation’s
Common Stock first set forth below.

	 	 	 	 	 
	 

	 	Number of Shares of Common Stock:1 250,000
	 	Award Date: June 28, 2005
	 
	 

	 	Exercise Price per Share:1 $1.88
	 	Expiration Date:1,2 June 27, 2015

     Vesting1,2 The Option shall become vested as to the total number of shares of Common Stock subject to the
Option in 12 substantially equal monthly installments, with the first installment vesting on the first day of the month following
the month in which the Award Date occurs and an additional installment vesting on the first day of each of the 11 months
thereafter.

                    The Option
is granted under the NTN Communications, Inc. 2004 Performance
Incentive Plan (the “Plan”) and subject to the Terms and
Conditions of Incentive Stock Option (the “Terms”) attached
to this Option Agreement (incorporated herein by this reference) and
to the Plan. The Option has been granted to the Grantee in addition
to, and not in lieu of , any other form of compensation otherwise
payable or to be paid to the Grantee. Capitalized terms are defined
in the Plan if not defined herein. The parties agree to the terms of
the Option set forth herein. The Grantee acknowledges receipt of a
copy of the Terms, the Plan and the Prospectus for the plan.

	 	 	 	 	 	 	 	 	 
	STANLEY B. KINSEY	 	 	 	NTN COMMUNICATIONS, INC.	 	 
	 	 	 	 	a Delaware corporation	 	 
	 
	 	 	 	 	 	 	 	 
	/s/ Stanley Kinsey
 

Signature

	 	 	 	By:
	 	/s/ Andy Wrobel
 

Andy Wrobel
	 	  
	 

	 	 	 	 	 	Chief Financial Officer	 	 
	 
	 	 	 	 	 	 	 	 
	/s/ Stanley Kinsey, CEO
 

	 	 	 	 	 	 	 	 
	Print Name
	 	 	 	 	 	 	 	 

CONSENT OF SPOUSE

     In consideration of the Corporation’s execution of this Option Agreement, the undersigned
spouse of the Grantee agrees to be bound by all of the terms and provisions hereof and of the Plan.

	 	 	 	 	 	 	 
	/s/ Stanley Kinsey
 

Signature of Spouse

	 	 	 	4/16/06

 
Date
	 	 

 

			
	1	 	Subject to adjustment under Section 7.1 of the Plan.
	 
	2	 	Subject to early termination under Section 4 of the Terms and Section 7.4 of the
Plan.

 

 

TERMS AND CONDITIONS OF INCENTIVE STOCK OPTION

1. Vesting; Limits on Exercise.

     The Option shall vest and become exercisable in percentage installments of the aggregate
number of shares subject to the Option as set forth on the cover page of this Option Agreement. The
Option may be exercised only to the extent the Option is vested and exercisable.

	 	•	 	Cumulative Exercisability. To the extent that the Option is vested
and exercisable,
the Grantee has the right to exercise the Option (to the extent not previously
exercised), and such right shall continue, until the expiration or earlier termination
of
the Option.
	 
	 	•	 	No Fractional Shares. Fractional share interests shall be
disregarded, but may be
cumulated.
	 
	 	•	 	Minimum Exercise. No fewer than
1001 shares of Common
Stock may be purchased
at any one time, unless the number purchased is the total number at the time
exercisable under the Option.
	 
	 	•	 	ISO Value Limit. If the aggregate fair market value of the shares with respect to
which ISOs (whether granted under the Option or otherwise) first become exercisable
by the Grantee in any calendar year exceeds $100,000, as measured on the applicable
Award Dates, the limitations of Section 5.1.2 of the Plan shall apply and to such
extent the Option will be rendered a nonqualified stock option.

	2.	 	Continuance of Employment/Service Required; No
Employment/Service  Commitment.

     The vesting schedule requires continued employment or service through each applicable vesting
date as a condition to the vesting of the applicable installment of the Option and the rights and
benefits under this Option Agreement. Employment or service for only a portion of the vesting
period, even if a substantial portion, will not entitle the Grantee to any proportionate vesting or
avoid or mitigate a termination of rights and benefits upon or following a termination of
employment or services as provided in Section 4 below or under the Plan, unless otherwise provided
by an employment agreement.

     Nothing contained in this Option Agreement or the Plan constitutes a continued employment or
service commitment by the Corporation or any of its Subsidiaries, affects the Grantee’s status, if
he or she is an employee, as an employee at will who is subject to termination without cause,
confers upon the Grantee any right to remain employed by or in service to the Corporation or any
Subsidiary, interferes in any way with the right of the Corporation or any Subsidiary at any time
to terminate such employment or service, or affects the right of the Corporation or any Subsidiary
to increase or decrease the Grantee’s other compensation.

3. Method of Exercise of Option.

     The Option shall be exercisable by the delivery to the Secretary of the Corporation (or such
other person as the Administrator may require pursuant to such administrative exercise procedures
as the Administrator may implement from time to time) of:

 

 

	 	•	 	a written notice stating the number of shares of Common Stock to be purchased
pursuant to the Option or by the completion of such other administrative exercise
procedures as the Committee may require from time to time,
	 
	 	•	 	payment in full for the Exercise Price of the shares to be purchased in cash,
check or
by electronic funds transfer to the Corporation, or (subject to compliance with all
applicable laws, rules, regulations and listing requirements and further subject to
such
rules as the Administrator may adopt as to any non-cash payment) in shares of
Common Stock already owned by the Participant, valued at their Fair Market Value
on the exercise date, provided, however, that any shares initially acquired
upon
exercise of a stock option or otherwise from the Corporation must have been owned
by the Participant for at least six (6) months before the date of such exercise;
	 
	 	•	 	any written statements or agreements required pursuant to Section 8.1 of the Plan; and
	 
	 	•	 	satisfaction of the tax withholding provisions of Section 8.5 of the Plan.

The Administrator also may, but is not required to, authorize a non-cash payment alternative by
notice and third party payment in such manner as may be authorized by the Administrator.

The Option will qualify as an ISO only if it meets all of the applicable requirements of the Code.
The Option may be rendered a nonqualified stock option if the Administrator permits the use of one
or more of the non-cash payment alternatives referenced above.

4. Early Termination of Option.

     4.1 Possible Termination of Option upon Change in Control. The Option is
subject to termination in connection with a Change in Control Event or certain similar
reorganization events as provided in Section 7.4 of the Plan.

     4.2 Termination of Option upon a Termination of Grantee’s Employment or
Services. Subject to earlier termination on the Expiration Date of the Option or pursuant to
Section 4.1 above, if the Grantee ceases to be employed by or ceases to provide services to
the
Corporation or a Subsidiary, the following rules shall apply (the last day that the Grantee is
employed by or provides services to the Corporation or a Subsidiary is referred to as the
Grantee’s “Severance Date”):

	 	•	 	other than as expressly provided below in this Section 4.2, (a) the Grantee
will have
until the date that is 3 years after his or her Severance Date to exercise the Option
(or
portion thereof) to the extent that it was vested on the Severance Date, (b) the Option,
to the extent not vested on the Severance Date, shall terminate on the Severance Date,
and (c) the Option, to the extent exercisable for the 3 year period following the
Severance Date and not exercised during such period, shall terminate at the close of
business on the last day of the 3 year period;
	 
	 	•	 	if the termination of the Grantee’s employment or services is the result of the
Grantee’s death or Total Disability (as defined below), then the Grantee (or his
beneficiary or personal representative, as the case may be) will have until the date
that is 6 months after the Grantee’s Severance Date to exercise the Option, (b) the
Option, to the extent not vested on the Severance Date, shall terminate on the
Severance Date, and (c) the Option, to the extent exercisable for the 6 month period
following the Severance Date and not exercised during such period, shall terminate at
the close of business on the last day of the 6 month period;

 

 

	 	•	 	if the Grantee’s employment or services are terminated by the Corporation or a
Subsidiary for Cause (as defined below), the Option (whether vested or not) shall
terminate on the Severance Date.

     For purposes of the Option, “Total Disability” means a “permanent and total disability”
(within the meaning of Section 22(e)(3) of the Code or as otherwise determined by the
Administrator).

     For purposes of the Option, “Cause” means that the Grantee:

	 	(1)	 	has been negligent in the discharge of his or her duties to the Corporation
or any
of its Subsidiaries, has refused to perform stated or assigned duties or is
incompetent in or (other than by reason of a disability or analogous condition)
incapable of performing those duties;
	 
	 	(2)	 	has been dishonest or committed or engaged in an act of theft, embezzlement
or
fraud, a breach of confidentiality, an unauthorized disclosure or use of inside
information, customer lists, trade secrets or other confidential information; has
breached a fiduciary duty, or willfully and materially violated any other duty, law,
rule, regulation or policy of the Corporation, any of its Subsidiaries or any
affiliate of the Corporation or any of its Subsidiaries; or has been convicted of a
felony or misdemeanor (other than minor traffic violations or similar offenses);
	 
	 	(3)	 	has materially breached any of the provisions of any agreement with the
Corporation, any of its Subsidiaries or any affiliate of the Corporation or any of
its Subsidiaries; or
	 
	 	(4)	 	has engaged in unfair competition with, or otherwise acted intentionally in a
manner injurious to the reputation, business or assets of, the Corporation, any of
its Subsidiaries or any affiliate of the Corporation or any of its Subsidiaries; has
improperly induced a vendor or customer to break or terminate any contract with
the Corporation, any of its Subsidiaries or any affiliate of the Corporation or any
of its Subsidiaries; or has induced a principal for whom the Corporation, any of its
Subsidiaries or any affiliate of the Corporation or any of its Subsidiaries acts as
agent to terminate such agency relationship.

     In all events the Option is subject to earlier termination on the Expiration Date of the
Option or as contemplated by Section 4.1. The Administrator shall be the sole judge of whether the
Grantee continues to render employment or services for purposes of this Option Agreement.

     Notwithstanding any post-termination exercise period provided for herein or in the Plan, the
Option will qualify as an ISO only if it is exercised within the applicable exercise periods for
ISOs under, and meets all of the other requirements of, the Code. If the Option is not exercised
within the applicable exercise periods for ISOs or does not meet such other requirements, the
Option will be rendered a nonqualified stock option.

5. Non-Transferability.

     The Option and any other rights of the Grantee under this Option Agreement or the
Plan are nontransferable and exercisable only by the Grantee, except as set forth in Section 5.7
of the Plan.

 

 

6. Notices.

     Any notice to be given under the terms of this Option Agreement shall be in writing and
addressed to the Corporation at its principal office to the attention of the Secretary, and to the
Grantee at the address last reflected on the Corporation’s payroll records, or at such other
address as either party may hereafter designate in writing to the other. Any such notice shall be
delivered in person or shall be enclosed in a properly sealed envelope addressed as aforesaid,
registered or certified, and deposited (postage and registry or certification fee prepaid) in a
post office or branch post office regularly maintained by the United States Government. Any such
notice shall be given only when received, but if the Grantee is no longer employed by the
Corporation or a Subsidiary, shall be deemed to have been duly given five business days after the
date mailed in accordance with the foregoing provisions of this Section 6.

7. Plan.

     The Option and all rights of the Grantee under this Option Agreement are subject to,
and the Grantee agrees to be bound by, all of the terms and conditions of the Plan, incorporated
herein by this reference. In the event of a conflict or inconsistency between the terms and
conditions of this Option Agreement and of the Plan, the terms and conditions of the Plan shall
govern. The Grantee agrees to be bound by the terms of the Plan and this Option Agreement
(including these Terms). The Grantee acknowledges having read and understanding the Plan, the
Prospectus for the Plan, and this Option Agreement. Unless otherwise expressly provided in other
sections of this Option Agreement, provisions of the Plan that confer discretionary authority on
the Board or the Administrator do not and shall not be deemed to create any rights in the Grantee
unless such rights are expressly set forth herein or are otherwise in the sole discretion of the
Board or the Administrator so conferred by appropriate action of the Board or the Administrator
under the Plan after the date hereof.

8.
Entire Agreement.

     This Option Agreement (including these Terms) and the Plan together constitute the
entire agreement and supersede all prior understandings and agreements, written or oral, of the
parties hereto with respect to the subject matter hereof. The Plan and this Option Agreement may be
amended pursuant to Section 8.6 of the Plan. Such amendment must be in writing and signed by the
Corporation. The Corporation may, however, unilaterally waive any provision hereof in writing to
the extent such waiver does not adversely affect the interests of the Grantee hereunder, but no
such waiver shall operate as or be construed to be a subsequent waiver of the same provision or a
waiver of any other provision hereof.

9.
Governing Law.

     This Option Agreement shall be governed by and construed and enforced in accordance with the
laws of the State of Delaware without regard to conflict of law principles thereunder.

10. Effect of this Agreement.

     Subject to the Corporation’s right to terminate the Option pursuant to Section 7.4 of the
Plan, this Option Agreement shall be assumed by, be binding upon and inure to the benefit of any
successor or successors to the Corporation.

 

 

11. Counterparts.

     This Option Agreement may be executed simultaneously in any number of counterparts,
each of which shall be deemed an original but all of which together shall constitute one and the
same instrument.

12.
Section Headings.

     The section headings of this Option Agreement are for convenience of reference only
and shall not be deemed to alter or affect any provision hereof.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00106-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00106-of-00352.parquet"}]]