Document:

MORTGAGE LOAN PURCHASE AGREEMENT

     THIS MORTGAGE LOAN PURCHASE AGREEMENT dated as of August 29,
2003 by and between FIRST TENNESSEE BANK NATIONAL ASSOCIATION
(the "Seller"), and FIRST HORIZON ASSET SECURITIES INC., a
Delaware corporation (the "Purchaser").

     WHEREAS, the Seller owns certain Mortgage Loans (as
hereinafter defined) which Mortgage Loans are more particularly
listed and described in Schedule A attached hereto and made a
part hereof.

     WHEREAS, the Seller and the Purchaser wish to set forth the
terms pursuant to which the Mortgage Loans, excluding the
servicing rights thereto, are to be sold by the Seller to the
Purchaser.

     WHEREAS, First Tennessee Mortgage Services, Inc. ("FTMSI")
owns the servicing rights to the Mortgage Loans pursuant to the
Servicing Rights Transfer and Subservicing Agreement (as
hereinafter defined).

     WHEREAS, the Seller has engaged FTMSI to service the
mortgage Loans pursuant to the Servicing Agreement (as
hereinafter defined).

     NOW, THEREFORE, in consideration of the foregoing, other
good and valuable consideration, and the mutual terms and
covenants contained herein, the parties hereto agree as follows:

                            ARTICLE I
                           Definitions

     Agreement:  This Mortgage Loan Purchase Agreement, as the
same may be amended, supplemented or otherwise modified from time
to time in accordance with the terms hereof.

     Closing Date:  August 29, 2003.

     Cooperative Corporation:  The entity that holds title (fee
or an acceptable leasehold estate) to the real property and
improvements constituting the Cooperative Property and which
governs the Cooperative Property, which Cooperative Corporation
must qualify as a Cooperative Housing Corporation under Section
216 of the Code.

     Coop Shares:  Shares issued by a Cooperative Corporation.

     Cooperative Loan:  Any Mortgage Loan secured by Coop Shares
and a Proprietary Lease.

     Cooperative Property:  The real property and improvements
owned by the Cooperative Corporation, including the allocation of
individual dwelling units to the holders of the Coop Shares of
the Cooperative Corporation.

     Cooperative Unit:  A single family dwelling located in a
Cooperative Property.

                               -1-

<PAGE>

     Custodian:  LaSalle Bank National Association, a national
banking association, and its successors and assigns, as custodian
under the Custodial Agreement dated as of August 29, 2003 by and
among The Bank of New York, as trustee, First Horizon Home Loan
Corporation, as master servicer, and the Custodian.

     Cut-Off Date:  August 1, 2003.

     Delay Delivery Mortgage Loans:  The Mortgage Loans for which
all or a portion of a related Mortgage File is not delivered to
the Trustee or to the Custodian on its behalf on the Closing
Date. The number of Delay Delivery Mortgage Loans shall not
exceed 25% of the aggregate number of Mortgage Loans as of the
Closing Date.

     FHHLC:  First Horizon Home Loan Corporation, a Kansas
corporation, in its capacity as the seller of the Mortgage Loans
pursuant to MLPA I.

     GAAP:  Generally applied accounting principals as in effect
from time to time in the United States of America.

     MLPA I:  The mortgage loan purchase agreement, dated as of
August 29, 2003, between First Horizon Home Loan Corporation, as
seller, and First Tennessee Bank National Association, as
purchaser, as related to the transfer, sale and conveyance of the
Mortgage Loans.

     Mortgage:  The mortgage, deed of trust or other instrument
creating a first lien on the property securing a Mortgage Note.

     Mortgage File:  The mortgage documents listed in Section 3.1
pertaining to a particular Mortgage Loan and any additional
documents required to be added to the Mortgage File pursuant to
this Agreement.

     Mortgage Loans:  The mortgage loans transferred, sold and
conveyed by the Seller to the Purchaser, pursuant to this
Agreement.

     Mortgage Note:  The original executed note or other evidence
of indebtedness evidencing the indebtedness of a Mortgagor under
a Mortgage Loan.

     Mortgaged Property:  The underlying property securing a
Mortgage Loan, which, with respect to a Cooperative Loan, is the
related Coop Shares and Proprietary Lease.

     Mortgagor:  The obligor(s) on a Mortgage Note.

     Proprietary Lease:  With respect to any Cooperative Unit, a
lease or occupancy agreement between a Cooperative Corporation
and a holder of related Coop Shares.

     Purchase Price:  [    ]

     Purchaser:  First Horizon Asset Securities Inc., a Delaware
corporation, in its capacity as purchaser of the Mortgage Loans
from the Seller pursuant to this Agreement.

                               -2-

<PAGE>

     Recognition Agreement:  With respect to any Cooperative
Loan, an agreement between the Cooperative Corporation and the
originator of such Mortgage Loan which establishes the rights of
such originator in the Cooperative Property.

     Security Agreement: The security agreement with respect to a
Cooperative Loan.

     Seller:  First Tennessee Bank National Association, and its
successors and assigns, in its capacity as seller of the Mortgage
Loans pursuant to this Agreement.

     Servicing Agreement:  The servicing agreement, dated as of
November 26, 2002 by and between First Tennessee Bank National
Association and its assigns, as owner, and First Tennessee
Mortgage Services, Inc., as servicer.

     Servicing Rights Transfer and Subservicing Agreement:  The
servicing rights transfer and subservicing agreement, dated as of
November 26, 2002 by and between First Horizon Home Loan
Corporation, as transferor and subservicer, and First Tennessee
Mortgage Services, Inc., as transferee and servicer.

     Trustee:  The Bank of New York and its successors and, if a
successor trustee is appointed hereunder, such successor.

                           ARTICLE II
                        Purchase and Sale

     Section 2.1    Purchase Price.  In consideration for the payment
to it of the Purchase Price on the Closing Date, pursuant to
written instructions delivered by the Seller to the Purchaser on
the Closing Date, the Seller does hereby transfer, sell and
convey to the Purchaser on the Closing Date, but with effect from
the Cut-off Date, without recourse, (i) all right, title and
interest of the Seller in the Mortgage Loans, excluding the
servicing rights thereto, and all property securing such Mortgage
Loans, including all interest and principal received or
receivable by the Seller with respect to the Mortgage Loans on or
after the Cut-off Date and all interest and principal payments on
the Mortgage Loans received on or prior to the Cut-off Date in
respect of installments of interest and principal due thereafter,
but not including payments of principal and interest due and
payable on the Mortgage Loans on or before the Cut-off Date, (ii)
all of the Seller's rights as Purchaser under MLPA I including,
without limitation, the rights of the Seller to require FHHLC to
cure breaches of representations and warranties with respect to
the Mortgage Loans as provided thereunder, (iii) all right, title
and interest of the Seller in, to and under the Servicing
Agreement, and (iv) all proceeds from the foregoing.  Items (i)
through (iv) in the preceding sentence are herein referred to
collectively as "Mortgage Assets."

     Section 2.2    Timing.  The sale of the Mortgage Assets hereunder
shall take place on the Closing Date.
                           ARTICLE III
                     Conveyance and Delivery

     Section 3.1    Delivery of Mortgage Files.  In connection with
the  transfer and assignment set forth in Section 2.1 above,  the
Seller has delivered or caused to be delivered to the Trustee or

                               -3-

<PAGE>

to the Custodian on its behalf (or, in the case of the Delay
Delivery Mortgage Loans, will deliver or cause to be delivered to
the Trustee or to the Custodian on its behalf within thirty (30)
days following the Closing Date) the following documents or
instruments with respect to each Mortgage Loan so assigned
(collectively, the "Mortgage Files"):

     (a)       (1)  the original Mortgage Note endorsed by manual or
          facsimile signature in blank in the following form: "Pay to the
          order of ________________, without recourse," with all
          intervening endorsements showing a complete chain of endorsement
          from the originator to the Person endorsing the Mortgage Note
          (each such endorsement being sufficient to transfer all right,
          title and interest of the party so endorsing, as noteholder or
          assignee thereof, in and to that Mortgage Note); or

               (2)  with respect to any Lost Mortgage Note, a lost note
          affidavit from the Seller stating that the original Mortgage Note
          was lost or destroyed, together with a copy of such Mortgage
          Note;

     (b)  except as provided below, the original recorded Mortgage or
          a copy of such Mortgage certified by the Seller as being a true
          and complete copy of the Mortgage;

     (c)  a duly executed assignment of the Mortgage in blank (which
          may be included in a blanket assignment or assignments), together
          with, except as provided below, all interim recorded assignments
          of such mortgage (each such assignment, when duly and validly
          completed, to be in recordable form and sufficient to effect the
          assignment of and transfer to the assignee thereof, under the
          Mortgage to which the assignment relates); provided that, if the
          related Mortgage has not been returned from the applicable public
          recording office, such assignment of the Mortgage may exclude the
          information to be provided by the recording office;

     (d)  the original or copies of each assumption, modification,
          written assurance or substitution agreement, if any;

     (e)  either the original or duplicate original title policy
          (including all riders thereto) with respect to the related
          Mortgaged Property, if available, provided that the title policy
          (including all riders thereto) will be delivered as soon as it
          becomes available, and if the title policy is not available, and
          to the extent required pursuant to the second paragraph below or
          otherwise in connection with the rating of the Certificates, a
          written commitment or interim binder or preliminary report of the
          title issued by the title insurance or escrow company with
          respect to the Mortgaged Property, and

     (f)  in the case of a Cooperative Loan, the originals of the
          following documents or instruments:

               (1)  The Coop Shares, together with a stock power in blank;

               (2)  The executed Security Agreement;

                               -4-

<PAGE>

               (3)  The executed Proprietary Lease;

               (4)  The executed Recognition Agreement;

               (5)  The executed UCC-1 financing statement with evidence
                    of recording thereon which have been filed in all
                    places required to perfect the Seller's interest in
                    the Coop Shares and the Proprietary Lease; and

               (6)  Executed UCC-3 financing statements or other
                    appropriate UCC financing statements required by state
                    law, evidencing a complete and unbroken line from the
                    mortgagee to the Trustee with evidence of recording
                    thereon (or in a form suitable for recordation).

                           ARTICLE IV
                 Representations and Warranties

     Section 4.1    Representations and Warranties of the Seller.

          (a)  The Seller hereby represents and warrants to the Purchaser,
     as of the date of execution and delivery hereof, that:

               (1)  The Seller is duly organized as a national banking
          association and is validly existing under the laws of the United
          States of America and is duly authorized and qualified to
          transact any and all business contemplated by this Agreement to
          be conducted by the Seller in any state in which a Mortgaged
          Property is located or is otherwise not required under applicable
          law to effect such qualification and, in any event, is in
          compliance with the doing business laws of any such state, to the
          extent necessary to ensure its ability to enforce each Mortgage
          Loan and to perform any of its other obligations under this
          Agreement in accordance with the terms thereof.

              (2)  The Seller has the requisite power and authority to sell
          each Mortgage Loan, and to execute, deliver and perform, and to
          enter into and consummate the transactions contemplated by this
          Agreement and has duly authorized by all necessary action on the
          part of the Seller the execution, delivery and performance of
          this Agreement; and this Agreement, assuming the due
          authorization, execution and delivery thereof by the other
          parties thereto, constitutes a legal, valid and binding
          obligation of the Seller, enforceable against the Seller in
          accordance with its terms, except that (a) the enforceability
          thereof may be limited by bankruptcy, insolvency, moratorium,
          receivership and other similar laws relating to creditors' rights
          generally or of creditors of depository institutions, the
          accounts of which are insured by the FDIC, and (b) the remedy of
          specific performance and injunctive and other forms of equitable
          relief may be subject to equitable defenses and to the discretion
          of the court before which any proceeding therefor may be brought.

                               -5-

<PAGE>

               (3)  The execution and delivery of this Agreement by the Seller,
          the sale of the Mortgage Loans by the Seller under this
          Agreement, the consummation of any other of the transactions
          contemplated by this Agreement, and the fulfillment of or
          compliance with the terms thereof are in the ordinary course of
          business of the Seller and will not (a) result in a material
          breach of any term or provision of the charter or by-laws of the
          Seller or (b) materially conflict with, result in a material
          breach, violation or acceleration of, or result in a material
          default under, the terms of any other material agreement or
          instrument to which the Seller is a party or by which it may be
          bound, or (c) constitute a material violation of any statute,
          order or regulation applicable to the Seller of any court,
          regulatory body, administrative agency or governmental body
          having jurisdiction over the Seller, other than such conflicts,
          breaches, violations, accelerations or defaults which,
          individually or on a cumulative basis, would not have a material
          adverse effect on the Seller and its subsidiaries, taken as a
          whole, or the consummation of the transactions contemplated by
          this Agreement; and the Seller is not in breach or violation of
          any material indenture or other material agreement or instrument,
          or in violation of any statute, order or regulation of any court,
          regulatory body, administrative agency or governmental body
          having jurisdiction over it which breach or violation may
          materially impair the Seller's ability to perform or meet any of
          its obligations under this Agreement.

               (4)  No litigation is pending or, to the best of the Seller's
          knowledge, threatened against the Seller that would prohibit the
          execution or delivery of, or performance under, this Agreement by
          the Seller.

          (b)  The Seller hereby assigns, transfers and conveys to the
     Purchaser all of its rights with respect to the Mortgage Loans
     including, without limitation, the representations and warranties
     of FHHLC made pursuant to MLPA I, together with all rights of the
     Seller to require FHHLC to cure any breach thereof or to
     repurchase or substitute for any affected Mortgage Loan in
     accordance with MLPA I.

     It is understood and agreed that the obligation under MLPA I
of FHHLC to cure, repurchase or replace any Mortgage Loan as to
which a breach has occurred and is continuing shall constitute
the sole remedy, which may be enforced solely against FHHLC and
not the Seller, respecting such breach available to the Purchaser
on its behalf.

     The representations and warranties contained in this
Agreement shall not be construed as a warranty or guaranty by the
Seller as to the future payments by any Mortgagor.

     It is understood and agreed that the representations and
warranties set forth in this Section 4.1 shall survive the sale
of the Mortgage Loans to the Purchaser hereunder.

                            ARTICLE V
                          Miscellaneous

     Section 5.1    Transfer Intended as Sale.  It is the express
intent  of the parties hereto that the conveyance of the Mortgage
Loans by the Seller to the Purchaser be, and be construed as, an

                               -6-

<PAGE>

absolute sale thereof in accordance with GAAP and for regulatory
purposes.  It is, further, not the intention of the parties that
such conveyances be deemed a pledge thereof by the Seller to the
Purchaser.  However, in the event that, notwithstanding the
intent of the parties, the Mortgage Loans are held to be the
property of the Seller or the Purchaser, respectively, or if for
any other reason this Agreement is held or deemed to create a
security interest in such assets, then (i) this Agreement shall
be deemed to be a security agreement within the meaning of the
Uniform Commercial Code of the State of Texas and (ii) the
conveyance of the Mortgage Loans provided for in this Agreement
shall be deemed to be an assignment and a grant by the Seller to
the Purchaser of a security interest in all of the Mortgage
Loans, whether now owned or hereafter acquired.

     The Seller and the Purchaser shall, to the extent consistent
with this Agreement, take such actions as may be necessary to
ensure that, if this Agreement were deemed to create a security
interest in the Mortgage Loans, such security interest would be
deemed to be a perfected security interest of first priority
under applicable law and will be maintained as such throughout
the term of the Agreement.  The Seller and the Purchaser shall
arrange for filing any Uniform Commercial Code continuation
statements in connection with any security interest granted
hereby.

     Section 5.2    Seller's Consent to Assignment.  The Seller hereby
acknowledges the Purchaser's right to assign, transfer and convey
all of the Purchaser's rights under this Agreement to a third
party and that the representations and warranties made by FHHLC
to the Seller pursuant to MLPA I will, in the case of such
assignment, transfer and conveyance, be for the benefit of such
third party.  The Seller hereby consents to such assignment,
transfer and conveyance.

     Section 5.3    Specific Performance.  Either party or its
assignees may enforce specific performance of this Agreement.
Section 5.4    Notices.  All notices, demands and requests that
may be given or that are required to be given hereunder shall be
sent by United States certified mail, postage prepaid, return
receipt requested, to the parties at their respective addresses
as follows:

               If to the Purchaser:     4000 Horizon Way
                                        Irving, Texas 75063
                                        Attn: Larry P. Cole

               If to the Seller:        165 Madison Avenue
                                        Memphis, Tennessee 38103
                                        Attn: Clyde A. Billings, Jr.

     Section 5.5    Choice of Law.  This Agreement shall be construed
in  accordance with and governed by the substantive laws  of  the
State  of Texas applicable to agreements made and to be performed
in the State of Texas and the obligations, rights and remedies of
the  parties hereto shall be determined in accordance  with  such
laws.

                               -7-

<PAGE>

     Section 5.6    Acknowledgment of FHHLC.  FHHLC hereby
acknowledges the provisions of this Agreement, including the
duties of FHHLC created hereunder and the assignment of the
representations and warranties made by FHHLC to the Seller
pursuant to MLPA I.

                               -8-

<PAGE>

     IN WITNESS WHEREOF, the Purchaser and the Seller have caused
their  names  to  be  signed hereto by their respective  officers
thereunto duly authorized as of the 29th day of August, 2003.

                              FIRST TENNESSEE BANK NATIONAL
                              ASSOCIATION, as Seller

                              By:____________________________
                                   Wade Walker
                                   Senior Vice President

                              FIRST HORIZON ASSET SECURITIES
                              INC., as Purchaser

                              By:_____________________________
                                   Wade Walker
                                   Senior Vice President - Asset
                                     Securitization

                              The foregoing agreement is hereby
                              acknowledged and accepted as of the

date first above written.

FIRST HORIZON HOME LOAN CORPORATION,
in its capacity as the seller pursuant to MLPA I

By:_____________________________________________
     Wade Walker
     Senior Vice President - Asset Securitization

Mortgage Loan Purchase Agreement II - 2003-AR3, Signature Page

<PAGE>

                           SCHEDULE A

                      [BEGINS ON NEXT PAGE]

              [Available Upon Request From Trustee]EXHIBIT 10.30
                                                                   -------------

                             FINANCIALCONTENT, INC.

                    2003-2 CONSULTANT AND ADVISOR SERVICES PLAN

         1.  Purpose  of the Plan.  The  purpose of the  2003-2  Consultant  and
Advisor   Services   Plan  ("Plan")  of   FinancialContent,   Inc.,  a  Delaware
corporation,  ("Company") is to provide the Company with a means of compensating
selected key  consultants and advisors to the Company and its  subsidiaries  for
their services rendered with shares of Common Stock of the Company.

         2.  Administration  of the Plan. The Plan shall be  administered by the
Company's Board of Directors (the "Board").

              2.1 Award or Sales of shares. The Company's Board shall (a) select
those  consultants  and  advisors to whom shares of the  Company's  Common Stock
shall be awarded or sold,  and (b)  determine the number of shares to be awarded
or sold; the time or times at which shares shall be awarded or sold; whether the
shares to be awarded or sold will be registered with the Securities and Exchange
Commission; and such conditions,  rights of repurchase,  rights of first refusal
or other transfer restrictions as the Board may determine. Each award or sale of
shares under the Plan may or may not be evidenced by a written agreement between
the Company and the persons to whom  shares of the  Company's  Common  Stock are
awarded or sold.

              2.2 Consideration for Shares. Shares of the Company's Common Stock
to be awarded or sold  under the Plan  shall be issued  for  services  rendered,
having a value not less than par value thereof, as shall be determined from time
to time by the Board in its sole discretion.

              2.3 Board  Procedures.  The Board from time to time may adopt such
rules and  regulations  for carrying out the purposes of the Plan as it may deem
proper and in the best interests of the Company. The Board shall keep minutes of
its meetings and records of its actions.  A majority of the members of the Board
shall  constitute a quorum for the transaction of any business by the Board. The
Board may act at any time by an affirmative  vote of a majority of those members
voting.  Such vote shall be taken at a meeting (which may be conducted in person
or by any  telecommunication  medium)  or by written  consent  of Board  members
without a meeting.

              2.4  Finality  of  Board  Action.  The  Board  shall  resolve  all
questions arising under the Plan. Each determination,  interpretation,  or other
action made or taken by the Board shall be final and  conclusive  and binding on
all persons, including,  without limitation, the Company, its stockholders,  the
Board and each of the members of the Board.

              2.5  Non-Liability  of Board  Members.  No Board  member  shall be
liable for any action or determination made by him in good faith with respect to
the Plan or any shares of the Company's Common Stock sold or awarded under it.

              2.6 Board Power to amend,  Suspend,  or Terminate the Amendment to
the Plan. The Board may, from time to time, make such changes in or additions to
the Plan as it may deem proper and in the best  interests of the Company and its
Stockholders.  The Board may also  suspend  or  terminate  the Plan at any time,
without notice, and in its sole discretion.

         3. Shares  Subject to the Plan.  For purposes of the Plan, the Board of
Directors is authorized to sell or award up to 500,000  shares and/or options of
the Company's Common Stock. $.001 par value per share ("Common Stock").

                                       9
<PAGE>

         4.  Participants.  All key  consultants and advisors to the Company and
any of its subsidiaries  (sometimes referred to herein as  ("participants")  are
eligible to  participate  in the Plan. A copy of this Plan shall be delivered to
all participants,  together with a copy of any Board resolutions authorizing the
issuance  of the  shares  and  establishing  the terms and  conditions,  if any,
relating to the sale or award of such shares.

         5. Rights and Obligations of Participants.  The award or sale of shares
of Common stock shall be conditioned upon the participant providing to the Board
a written  representation  that,  at the time of such  award or sale,  it is the
intent of such person(s) to acquire the shares for investment  only and not with
a view toward  distribution.  The certificate for unregistered shares issued for
investment  shall be restricted by the Company as to transfer unless the Company
receives  an opinion of counsel  satisfactory  to the Company to the effect that
such  restriction is not necessary  under the  pertaining  law. The providing of
such  representation  and such  restriction on transfer shall not,  however,  be
required upon any person's receipt of shares of Common Stock under the Amendment
to the Plan in the event that, at the time of award or sale, the shares shall be
(i)  covered  by an  effective  and  current  registration  statement  under the
Securities  Act of 1933,  as amended,  and (ii) either  qualified or exempt from
qualification  under  applicable  state  securities  laws.  The  Company  shall,
however,  under no  circumstances  be required to sell or issue any shares under
the  Amendment to the Plan if, in the opinion of the Board,  (i) the issuance of
such shares would  constitute a violation by the  participant  or the Company of
any  applicable  law or regulation of any  governmental  authority,  or (ii) the
consent or approval of any  governmental  body is  necessary  or  desirable as a
condition of, or in connection with, the issuance of such shares.

         6. Payment of Shares.

              (a) The  entire  purchase  price of shares  issued  under the Plan
shall be  payable in lawful  money of the  United  States of America at the time
when such shares are purchased, except as provided in subsection (b) below.

              (b) At the discretion of the Board, Shares may be issued under the
Plan in consideration of services rendered; provided, however, that any issuance
of shares under the Plan shall be in compliance with Section 152 of the Delaware
General Corporation Law, as amended.

         7.  Adjustments.  If the  outstanding  Common  Stock shall be hereafter
increased or decreased,  or changed into or exchanged for a different  number or
kind of shares or other securities of the Company or of another corporation,  by
reason  of  a  recapitalization,   reclassification,   reorganization,   merger,
consolidation,  share  exchange,  or other  business  combination  in which  the
Company is the surviving  parent  corporation,  stock  split-up,  combination of
shares, or dividend or other distribution  payable in capital stock or rights to
acquire capital stock,  appropriate adjustment shall be made by the Board in the
number and kind of shares which may be granted under the Amendment to the Plan.

         8. Tax Withholding.  As a condition to the purchase or award of shares,
the  participant  shall make such  arrangements as the Board may require for the
satisfaction of any federal, state, local or foreign withholding tax obligations
that may arise in connection with such purchase or award.

         9. Terms of the Plan.

              9.1 Effective  Date. The Plan shall become  effective on September
8, 2003.

              9.2 Termination Date. The Plan shall terminate at Midnight on June
30, 2003,  and no shares shall be awarded or sold after that time.  The Plan may
be  suspended  or  terminated  at any  earlier  time  by the  Board  within  the
limitations set forth in Section 2.6.
                                       10
<PAGE>

         10.  Non-Exclusivity  of the  Plan.  Nothing  contained  in the Plan is
intended to amend,  modify,  or rescind  any  previously  approved  compensation
plans,  programs  or options  entered  into by the  Company.  This Plan shall be
construed  to be in  addition  to and  independent  of any  and all  such  other
arrangements.  The adoption of the  Amendment to the Plan by the Board shall not
be construed as creating any  limitations on the power of authority of the Board
to  adopt,  with or  without  stockholder  approval,  such  additional  or other
compensation arrangements as the Board may from time to time deem desirable.

         11.  Governing  Law. The Plan and all rights and  obligations  under it
shall be  construed  and  enforced in  accordance  with the laws of the state of
Delaware.

                                       11

<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00056-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00056-of-00352.parquet"}]]