Document:

Exhibit 10.03 

August 19, 2008 

Dr. John D. Rhodes, III 

Dear Dr. Rhodes: 

This letter amends and restates the
terms of the put right (the “Put Right”) granted by you to the Company on May 15, 2008. 

Upon each written request by the
Company, which request shall first be authorized by the unanimous consent of the Board of
Directors of the Company, upon a finding by the Board of Directors that the Company has
no other financing options available to it, you agree to purchase shares of Common Stock
of the Company, at the purchase price per share and upon the same other terms as the most
recent sale of shares of Common Stock of the Company to third party in a transaction
intended to raise capital; provided, however, the aggregate purchase price of all shares
purchased pursuant to the Put Right shall not exceed $3,000,000.00 (the “Put Amount”).  

The Put Amount shall decrease by $1.00 for each $1.00 of gross proceeds received
by the Company from and after the date hereof from the sale of equity
securities. 

In consideration of your agreement
to the terms hereof, the Company will issue a five-year warrant to purchase 100,000
shares of Common Stock at an exercise price of $1.00 per share as soon as practicable
after your execution hereof. 

In addition, as set forth in May 15
letter describing the Put Right, you will receive a five-year warrant to purchase shares
of Common Stock (the “Warrant”) at an exercise price of $1.00 per share. The number of
shares subject to the Warrant shall be equal to 33,333 for each month (or portion
thereof) that elapses from May 15, 2008 until the full termination of the Put Right. The
Company shall issue and deliver the Warrant for all such earned Common Stock on December
31, 2008 or termination of the Put Right. 

The Put Right shall immediately
terminate upon December 31, 2008 or upon certain events of default, including
acceleration of other indebtedness in an amount greater than $25,000, judgments against
the Company in net amount greater than $25,000, and insolvency or bankruptcy or similar
proceedings. Additionally, this Put Right may be terminated by the mutual consent of the
Company and you. After an event of default or other termination of the Put Right, you
will have no further obligations to purchase shares of Common Stock under the Put Right. 

Finally, in consideration of the
value being conferred to the Company by the extension of the Put Right, which will
benefit Bruce Widener and Brook Street Enterprises LLC as stockholders of the Company,
each of Bruce Widener and Brook Street Enterprises, LLC, agrees that, upon the  

 
	 	
	 

exercise of the Put Right in whole
or in part by the Company, you shall have the right to purchase up to 1,285,000 shares of
Common Stock from Bruce Widener and up to 370,425 shares of Common Stock from Brook
Street Enterprises, LLC for a purchase price of $0.01 per share. 

If these terms are acceptable to
you, please indicate your consent by signing below. 

	   	
      Sincerely, 

      

	 	 
	 	/s/ Bruce Widener
      

    
	 	Bruce Widener, Chief
Executive Officer 

      Beacon
Enterprise Solutions Group, Inc.
	 	 
	 	/s/ Bruce Widener
      

    
	 	Bruce Widener
	 	 
	 	/s/ Richard Hughes
      

    
	 	
      Richard Hughes, Manager
                                                              

        Brook Street Enterprises,
LLC 

      

ACKNOWLEDGED AND AGREED: 

/s/ John D. Rhodes III
                   

John D. Rhodes, IIIExhibit 10.04 

	
      

    
	BEACON ENTERPRISE SOLUTIONS GROUP
INC 

      124 N 1ST STREET 

       	FIRST SAVINGS BANK, F.S.B. 

      501 EAST
LEWIS & CLARK PARKWAY,  

      CLARK COUNTY 

      	 	 
	LOUISVILLE KY 40202
      	CLARKSVILLE, IN 47129	Line of Credit No.	0379000032
	 	 	Date	08-29-2008
	BORROWER'S NAME AND ADDRESS 	LENDER'S NAME AND ADDRESS
 	Max. Credit Amt.	100,000.00
	“I” includes each
borrower above,  

      jointly and severally.	“You” means the lender, its successors 

       and assigns. 	Loan Ref. No.	0379000032
	
      

    

You have extended to me a line of
credit in the 

  AMOUNT of  ONE HUNDRED THOUSAND AND N0/100            $100,000.00.

You will make loans to me from time
to time until 12:00 A.m. on 09292009. Although the line of credit expires on that date, I
will remain obligated to perform all my duties under this agreement so long as I owe you
any money advanced according to the terms of this agreement, as evidenced by any note or
notes I have signed promising to repay these amounts. This line of credit is an agreement
between you and me. It is not intended that any third party receive any benefit from this
agreement, whether by direct payment, reliance for future payment or in any other manner.
This agreement is not a letter of credit.  

	1.  	  	AMOUNT:
This line of credit is:  

	 	|X|  	  	OBLIGATORY:
You may not refuse to make a loan to me under this line of credit unless one of the
following occurs:  

	 	a.  	  	I
have borrowed the maximum amount available to me;  

	 	b.  	  	This
line of credit has expired;  

	 	c.  	  	I
have defaulted on the note (or notes) which show my indebtedness under this line of
credit;  

	 	d.  	  	I
have violated any term of this line of credit or any note or other agreement entered into
in connection with this line of credit;  

	 	e.  	  	______________________________________________________________________________ 

      ______________________________________________________________________________ 

      ______________________________________________________________________________. 

	 	|_|  	  	DISCRETIONARY:
You may refuse to make a loan to me under this line of credit once the aggregate
outstanding advances equal or exceed ____________________________________________ $
__________________________. 

Subject to the obligatory or
discretionary limitations above, this line of credit is:  

	 	|X|  	  	OPEN-END
(Business or Agricultural only): I may borrow up to the maximum amount of principal more
than one time.  

	 	|_|  	  	CLOSED-END:
I may borrow up to the maximum only one time.  

	2.  	  	PROMISSORY
NOTE: I will repay any advances made according to this line of credit agreement as set
out in the promissory note, I signed on 08-29-2008, or any note(s) I sign at a later
time which represent advances under this agreement. The note(s) set(s) out the terms
relating to maturity, interest rate, repayment and advances. If indicated on the
promissory note, the advances will be made as follows: A SIGNED AUTHORIZATION BY BRUCE W.
WIDENER OR ROBERT R. MOHR AND AN AVAILABLE BALANCE. 

	3.  	  	RELATED
DOCUMENTS: I have signed the following documents in connection with this line of credit
and note(s) entered into in accordance with this line of credit: 

	|X|	security
agreement dated 09-29-2008 	  	|X|	UCC-1
DATED 08-29-2008  
	|_|	mortgage
dated	 	|_|	 
	|_|	guaranty
dated  	 	|_|	 

	4.  	  	REMEDIES:
If I am in default on the note(s) you may: 

	 	a.  	  	take
any action as provided in the related documents;  

	 	b.  	  	without
notice to me, terminate this line of credit.  

	  	
     By
selecting any of these remedies you do not give up your right to later use any other
remedy. By deciding not to use any remedy should I default, you do not waive your right
to later consider the event a default, if it happens again.  

	5.  	  	COSTS
AND FEES: If you hire an attorney to enforce this agreement I will pay your reasonable
attorney's fees, where permitted by law.  I will also pay your court costs and costs of collection,
where permitted by law. 

	6.  	  	COVENANTS:
For as long as this line of credit is in effect or I owe you money for advances made in
accordance with the line of credit, I will do the following:  

	 	a.  	  	maintain
books and records of my operations relating to the need for this line of credit;  

	 	b.  	  	permit
you or any of your representatives to inspect and/or copy these records;  

	 	c.  	  	provide
to you any documentation requested by you which support the reason for making any advance
under this line of credit;  

	 	d.  	  	permit
you to make any advance payable to the seller (or seller and me) of any items being
purchased with that advance;  

	 	e.  	  	___________________________________________________________________________  

      ___________________________________________________________________________ 

      ___________________________________________________________________________.
      

	7.  	  	NOTICES:
All notices or other correspondence with me should be sent to my address stated above.
The notice or correspondence shall be effective when deposited in the mail, first class,
or delivered to me in person.  

	8.  	  	MISCELLANEOUS:
This line of credit may not be changed except by a written agreement signed by you and
me. The law of the state in which you are located will govern this agreement. Any term of
this agreement which is contrary to applicable law will not be effective, unless the law
permits you and me to agree to such a variation.  

 

	FOR THE LENDER	  	SIGNATURES: I AGREE TO THE TERMS OF
THIS LINE OF CREDIT. I  HAVE RECEIVED A COPY ON TODAY'S DATE.
	 	 	 
	
      

    	 	 
	 	 	 
	
      

    	 	
      

    
	DONALD ALLEN	 	
      BRUCE W. WIDENER, CEO/SECRETARY  

      

	Title VICE PRESIDENT	 	 
	
      

    	 	
      

    
	 	 	ROBERT R. MOHR, CHIEF ACCOUNTING
OFFICER
	 	 	 
	 	 	
      

    

(page 1 of 1)  

GUARANTY  

	     	CLARKSVILLE, 	INDIANA
	 	(City)	(State)

AUGUST 29 2008  

        For
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, and to induce FIRST SAVINGS BANK F.S.B. (herein, with its participants,
successors and assigns, called "Lender"), at its option, at any time or from time to time
to make loans or extend other accommodations to or for the account of BEACON ENTERPRISE
SOLUTIONS GROUP INC (herein called "Borrower") or to engage in any other transactions with
Borrower, the Undersigned hereby absolutely and unconditionally guarantees to Lender the
full and prompt payment when due, whether at maturity or earlier by reason of
acceleration or otherwise, of the debts, liabilities and obligations described as
follows:  

	 	A.  	  	If
this |_| is checked, the Undersigned guarantees to Lender the payment and performance of
the debt, liability or obligation of Borrower to Lender evidenced by or arising out of
the following: ______________________________________________________ and any extensions, renewals or replacements thereof (hereinafter referred
to as the "Indebtedness").  

	 	B.  	  	If
this |X| is checked, the Undersigned guarantees to Lender the payment and performance of
each and every debt, liability and obligation of every type and description which
Borrower may now or at any time hereafter owe to Lender (whether such debt, liability or
obligation now exists or is hereafter created or incurred, and whether it is or may be
direct or indirect, due or to become due, absolute or contingent, primary or secondary,
liquidated or unliquidated, or joint, several, or joint and several; all such debts,
liabilities and obligations being hereinafter collectively referred to as the
"Indebtedness"). Without limitation, this guaranty includes the following described
debt(s): ______________________________________________________________________ 

        The
Undersigned further acknowledges and agrees with Lender that:  

        1.
No act or thing need occur to establish the liability of the Undersigned hereunder, and
no act or thing, except full payment and discharge of all indebtedness, shall in any way
exonerate the Undersigned or modify, reduce, limit or release the liability of the
Undersigned hereunder.  

        2.
This is an absolute, unconditional and continuing guaranty of payment of the Indebtedness
and shall continue to be in force and be binding upon the Undersigned, whether or not all
Indebtedness is paid in full, until this guaranty is revoked by written notice actually
received by the Lender, and such revocation shall not be effective as to Indebtedness
existing or committed for at the time of actual receipt of such notice by the Lender, or
as to any renewals, extensions and refinancings thereof. If there be more than one
Undersigned, such revocation shall be effective only as to the one so revoking. The death
or incompetence of the Undersigned shall not revoke this guaranty, except upon actual
receipt of written notice thereof by Lender and then only as to the decedent or the
incompetent and only prospectively, as to future transactions, as herein set forth.  

        3.
If the Undersigned shall be dissolved, shall die, or shall be or become insolvent
(however defined) or revoke this guaranty, then the Lender shall have the right to
declare immediately due and payable, and the Undersigned will forthwith pay to the
Lender, the full amount of all Indebtedness, whether due and payable or unmatured. If the
Undersigned voluntarily commences or there is commenced involuntarily against the
Undersigned a case under the United States Bankruptcy Code, the full amount of all
Indebtedness, whether due and payable or unmatured, shall be immediately due and payable
without demand or notice thereof.  

        4.
The liability of the Undersigned hereunder shall be limited to a principal amount of $100,000.00
(if unlimited or if no amount is stated, the Undersigned shall be liable for
all Indebtedness, without any limitation as to amount), plus accrued interest thereon and
all other costs, fees, and expenses agreed to be paid under all agreements evidencing the
Indebtedness and securing the payment of the Indebtedness, and all attorneys' fees,
collection costs and enforcement expenses referable thereto. Indebtedness may be created
and continued in any amount, whether or not in excess of such principal amount, without
affecting or impairing the liability of the Undersigned hereunder. The Lender may apply
any sums received by or available to Lender on account of the Indebtedness from Borrower
or any other person (except the Undersigned), from their properties, out of any
collateral security or from any other source to payment of the excess. Such application
of receipts shall not reduce, affect or impair the liability of the Undersigned
hereunder. If the liability of the Undersigned is limited to a stated amount pursuant to
this paragraph 4, any payment made by the Undersigned under this guaranty shall be
effective to reduce or discharge such liability only if accompanied by a written
transmittal document, received by the Lender, advising the Lender that such payment is
made under this guaranty for such purpose.  

        5.
The Undersigned will pay or reimburse Lender for all costs and expenses (including
reasonable attorneys' fees and legal expenses) incurred by Lender in connection with the
protection, defense or enforcement of this guaranty in any litigation or bankruptcy or
insolvency proceedings.  

This guaranty includes the additional provisions on page 2, all of
which are made a part hereof.

        This
guaranty is |X| unsecured; |_| secured by a mortgage or security agreement dated
_________________________; |_| secured by ___________________________________ 

        IN
WITNESS WHEREOF, this guaranty has been duly executed by the Undersigned the day and year
first above written.  

	 	
      

    
	 	BRUCE W. WIDENER
	 	 
	 	
      

    
	 	
      

    
	 	
      

    
	 	"Undersigned" shall
refer to all  persons who sign this guaranty, severally and Jointly.

(page 1 of 2)     

	DEBTOR NAME AND ADDRESS	SECURED PARTY NAME AND ADDRESS  
	 	 
	BEACON ENTERPRISE SOLUTIONS GROUP
INC 

      124 N 1ST STREET 

      LOUISVILLE KY 40202
       	FIRST SAVINGS BANK, F.S.B. 

      501 EAST
LEWIS & CLARK PARKWAY, CLARK COUNTY 

      CLARKSVILLE, IN 47129
       

Type: |_| individual |_| partnership
|X| corporation |_| ___________________ 

State of organization/registration
(if applicable) IN  

|_| If checked, refer to addendum for additional Debtors and signatures.

COMMERCIAL SECURITY
AGREEMENT  

The date of this Commercial Security
Agreement (Agreement) is 08-29-2008  

SECURED DEBTS. This
Agreement will secure all sums advanced by Secured Party under the terms of this
Agreement and the payment and performance of the following described Secured Debts that
(check one) |X| Debtor |_| __________________________
________________________________________________ (Borrower) owes to Secured Party:  

	 	|_|  	  	Specific
Debts. The following debts and all extensions, renewals, refinancings, modifications, and
replacements (describe): 

	 	|X|  	  	All
Debts. All present and future debts, even if this Agreement is not referenced, the debts
are also secured by other collateral, or the future debt is unrelated to or of a
different type than the current debt. Nothing in this Agreement is a commitment to make
future loans or advances. 

SECURITY INTEREST. To secure the
payment and performance of the Secured Debts, Debtor gives Secured Party a security
interest in all of the Property described in this Agreement that Debtor owns or has
sufficient rights in which to transfer an interest, now or in the future, wherever the
Property is or will be located, and all proceeds and products of the Property. "Property"
includes all parts, accessories, repairs, replacements, improvements, and accessions to
the Property; any original evidence of title or ownership; and all obligations that
support the payment or performance of the Property. "Proceeds" includes anything acquired
upon the sale, lease, license, exchange, or other disposition of the Property; any rights
and claims arising from the Property; and any collections and distributions on account of
the Property. This Agreement remains in effect until terminated in writing, even if the
Secured Debts are paid and Secured Party is no longer obligated to advance funds to
Debtor or Borrower.  

PROPERTY DESCRIPTION. The Property
is described as follows:  

	 	|X|  	  	Accounts
and Other Rights to Payment:  All rights to payment, whether or not earned by performance,
including, but not limited to, payment for property or services sold, leased, rented,
licensed, or assigned. This includes any rights and interests (including all liens) which
Debtor may have by law or agreement against any account debtor or obligor of Debtor.  

	 	|X|   	  	Inventory:
All inventory held for ultimate sale or lease, or which has been or will be supplied
under contracts of service, or which are raw materials, work in process, or materials
used or consumed in Debtor's business.  

	 	|X|    	  	Equipment:
All equipment including, but not limited to, machinery, vehicles, furniture, fixtures,
manufacturing equipment, farm machinery and equipment, shop equipment, office and record
keeping equipment, parts, and tools. The Property includes any equipment described in a
list or schedule Debtor gives to Secured Party, but such a list is not necessary to
create a valid security interest in all of Debtor's equipment.  

	 	|_|  	  	Instruments
and Chattel Paper: All instruments, including negotiable instruments and promissory notes
and any other writings or records that evidence the right to payment of a monetary
obligation, and tangible and electronic chattel paper.  

	 	|X|  	  	General
Intangibles: All general intangibles including, but not limited to, tax refunds, patents
and applications for patents, copyrights, trademarks, trade secrets, goodwill, trade
names, customer lists, permits and franchises, payment intangibles, computer programs and
all supporting information provided in connection with a transaction relating to computer
programs, and the right to use Debtor's name.  

	 	|_|  	  	Documents:
All documents of title including, but not limited to, bills of lading, dock warrants and
receipts, and warehouse receipts. 

	 	|_|  	  	Farm
Products and Supplies: All farm products including, but not limited to, all poultry and
livestock and their young, along with their produce, products, and replacements; all
crops, annual or perennial, and all products of the crops; and all feed, seed,
fertilizer, medicines, and other supplies used or produced in Debtor's farming
operations.  

	 	|_|  	  	Government
Payments and Programs: All payments, accounts, general intangibles, and benefits
including, but not limited to, payments in kind, deficiency payments, letters of
entitlement, warehouse receipts, storage payments, emergency assistance and diversion
payments, production flexibility contracts, and conservation reserve payments under any
preexisting, current, or future federal or state government program.  

	 	|_|  	  	Investment
Property: All investment property including, but not limited to, certificated securities,
uncertificated securities, securities entitlements, securities accounts, commodity
contracts, commodity accounts, and financial assets.  

	 	|_|  	  	Deposit
Accounts: All deposit accounts including, but not limited to, demand, time, savings,
passbook, and similar accounts.  

	 	|_|  	  	Specific
Property Description: The Property includes, but is not limited by, the following (if
required, provide real estate description);  

USE OF PROPERTY. The Property will
be used for |_| personal |X| business |_| agricultural |_|__________________ purposes.  

SIGNATURES. Debtor agrees to the
terms on pages 1 and 2 of this Agreement and acknowledges receipt of a copy of this
Agreement.   

 

	DEBTOR	  	SECURED PARTY  
	BEACON ENTERPRISE SOLUTIONS GROUP
INC 

             	 	FIRST SAVINGS BANK, F.S.B.       
	 	 	 
	
      

    	 	
      

    
	BRUCE W. WIDENER 

      CEO/SECRETARY
      	 	DONALD ALLEN
 

      VICE PRESIDENT
      
	 	 	 
	
      

    	 	
      

    
	
      ROBERT R. MOHR 

         CHIEF ACCOUNTING OFFICER  

	 	 

(page 1 of 2)  

	
      

    
	BEACON ENTERPRISE SOLUTIONS GROUP
INC 	FIRST SAVINGS BANK, F.S.B. 	 	 
	124 N 1ST STREET 

       	501 EAST
LEWIS & CLARK PARKWAY,  

      CLARK COUNTY 

      	Loan  No.	0379000032
	LOUISVILLE KY 40202
      	CLARKSVILLE, IN 47129	Date	08-29-2008
	 	 	Maturity Date	09-29-2008
	BORROWER'S NAME AND ADDRESS 	LENDER'S NAME AND ADDRESS
 	Loan Amount	$100,000.00
	“I” includes each
borrower above, 

       jointly and severally.	“You” means the lender, its successors  

      and assigns. 	Renewal Of	_________
	
      

    

For value received, I promise to pay
to you, or your order, at your address listed above the PRINCIPAL sum of ONE HUNDRED
THOUSAND AND NO/100 Dollars $100,000.00  

	|_|  	  	Single
Advance: I will receive all of this principal sum on ___________________. No additional advances are
contemplated under this note.  

	|X|  	  	Multiple
Advance: The principal sum shown above is the maximum amount of principal I can borrow
under this note. On 08-29-2008 I will receive the amount of $_______________________ and
future principal advances are contemplated.  

	  	
Conditions:
The conditions for future advances are A SIGNED AUTHORIZATION BY BRUCE W. WIDENER OR
ROBERT R. MOHR AND AN AVAILABLE BALANCE  

 

	 	
      

    

	 	|X|  	  	Open
End Credit: You and I agree that I may borrow up to the maximum amount of principal more
than one time. This feature is subject to all other conditions and expires on 09292009  

	 	|_|  	  	Closed
End Credit: You and I agree that I may borrow up to the maximum only one time (and
subject to all other conditions).  

INTEREST: I agree to pay interest on
the outstanding principal balance from 08-29-2008 at the rate of 5.000% per year until
08-30-2008  

	|X|  	  	Variable
Rate: This rate may then change as stated below. 

	 	|_|  	  	Index
Rate: The future rate will be EQUAL TO the following index rate: THE BASE RATE ON
CORPORATE LOANS POSTED BY AT LEAST 75% OF THE 30 LARGEST U.S. BANKS KNOWN AS THE WALL
STREET JOURNAL U.S. PRIME RATE.  

	 	|_|  	  	 No
Index: The future rate will not be subject to any internal or external index. It will be
entirely in your control.  

	 	|X|  	  	Frequency
and Timing: The rate on this note may change as often as EVERY DAY BEGINNING 08-30-2008  

	  	
A
change in the interest rate will take effect ON THE FOLLOWING DAY  

	 	|X|  	  	Limitations:
During the term of this loan, the applicable annual interest rate will not be more than
21.000%, or less than 5.000%. The rate may not change more than _______________% each ____________________________. 

	  	
Effect
of Variable Rate: A change in the interest rate will have the following effect on the
payments:  

	|_|   	The amount of each
scheduled payment will change.	|X|  	The amount of the final payment will change.  

	|_| 	
       __________________________________________________________________________________________________
    

ACCRUAL METHOD: Interest will be
calculated on a ACTUAL/365 basis.  

POST MATURITY RATE: I agree to pay
interest on the unpaid balance of this note owing after maturity, and until paid in full,
as stated below:  

	 	|X|  	  	on
the same fixed or variable rate basis in effect before maturity (as indicated above).  

	 	|_|  	  	at
a rate equal to _________________________________ 

	|X|  	  	LATE
CHARGE: If a payment is made more than 10 days after it is due, I agree to pay a late
charge of 5.000% OF THE PAYMENT AMOUNT WITH A MIN OF $17.50.  

	|_|  	  	ADDITIONAL
CHARGES: In addition to interest, I agree to pay the following charges which |_|  are |_|
 are not included in the principal amount above: _____________________________ 

PAYMENTS: I agree to pay this note
as follows: INTEREST ON THE AMOUNT OF CREDIT OUTSTANDING DUE AT MATURITY AND PRINCIPAL
DUE ON 09-29-2008.  

	|_|  	  	Unpaid
Interest: Any accrued interest not paid when due (whether due by reason of a schedule of
payments or due because of Lender's demand) will become part of the principal thereafter,
and will bear interest at the interest rate in effect from time to time as provided for
in this agreement.  

ADDITIONAL TERMS: LENDER MAY IMPOSE
A NON-SUFFICIENT FUNDS FEE FOR ANY CHECK THAT IS PRESENTED FOR PAYMENT THAT IS RETURNED
FOR ANY REASON. SUCH FEE SHALL BE IN THE AMOUNT OF $20.00  

	|X|  	  	SECURITY:
This note is separately secured by (describe separate document by type and date): UCC
DATED 08-29-2008  

(This  section is for your  internal
 use.  Failure to list a separate  security document does not mean the agreement will not
secure this note.) 

 

	  	  	PURPOSE: The purpose of this loan is
CASH FLOW. 
	 	 	 
	 	 	
      SIGNATURES:  I AGREE TO THE  TEAMS
OF THIS NOTE  (INCLUDING  THOSE ON PAGE 2). I have received a copy on today's date. 

      

	 	 	 
	 	 	BEACON ENTERPRISE SOLUTIONS GROUP
INC 
	Signature for Lender	 	 
	 	 	
      

    
	 	 	BRUCE W. WIDENER, CEO/SECRETARY
	 	 	 
	 	 	
      

    
	 	 	ROBERT R. MOHR, CHIEF ACCOUNTING OFFICER
	 	 	 
	 	 	 
	
      

    	 	
      

    
	DONALD ALLEN, VICE
PRESIDENT	 	 
	 	 	 
	
      

    	 	
      

    

   UNIVERSAL NOTE

(page 1 of 2)

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