Document:

PSEG-9/30/2014-Q3 EX 4(a)

Exhibit 4(a)(22)

SUPPLEMENTAL MORTGAGE
Supplemental Indenture

Dated August 1, 2014

____________________

SUPPLEMENTAL TO
FIRST AND REFUNDING MORTGAGE
DATED AUGUST 1, 1924

_____________________

PUBLIC SERVICE ELECTRIC AND GAS COMPANY
TO
U.S. BANK NATIONAL ASSOCIATION
Trustee
21 South Street
Morristown, New Jersey  07960
                    
_______________________

PROVIDING FOR THE ISSUE OF
$775,000,000 FIRST AND REFUNDING MORTGAGE BONDS,
MEDIUM-TERM NOTES SERIES J

RECORD IN MORTGAGE BOOK AND RETURN TO:
M. COURTNEY McCORMICK, ESQ.
80 PARK PLAZA, T5B
NEWARK, N.J. 07102-4194
Prepared by
/s/ Donald S. Leibowitz
(DONALD S. LEIBOWITZ, ESQ.)

TABLE OF CONTENTS
Page
RECITALS    1
FORM OF BOND    3
FORM OF CERTIFICATE OF AUTHENTICATION    5
GRANTING CLAUSES    6
ARTICLE I. 
BONDS OF THE MEDIUM-TERM NOTES SERIES J.
DESCRIPTION OF SERIES    7
ARTICLE II. 
REDEMPTION OF BONDS OF MEDIUM-TERM NOTES SERIES J.
SECTION 2.01.    Redemption—Redemption Price    7
		
	SECTION 2.02.
	Redemptions Pursuant to Section 4C of 
Article Eight of the Indenture    8

		
	SECTION 2.03.
	Interest on Called Bonds to Cease    8

		
	SECTION 2.04.
	Bonds Called in Part    8

		
	SECTION 2.05.
	Provisions of Indenture Not Applicable    8

ARTICLE III. 
CREDITS WITH RESPECT TO BONDS OF THE  
MEDIUM-TERM NOTES SERIES J.
		
	SECTION 3.01.
	Credits    8

		
	SECTION 3.02.
	Certificate of the Company    8

ARTICLE IV. 
MISCELLANEOUS.
		
	SECTION 4.01.
	Authentication of Bonds of Medium-Term  
Notes Series J    9

		
	SECTION 4.02.
	Additional Restrictions on Authentication of  
Additional Bonds Under Indenture    9

		
	SECTION 4.03.
	Restriction on Dividends    9

		
	SECTION 4.04.
	Use of Facsimile Seal and Signatures    9

		
	SECTION 4.05.
	Time for Making of Payment    9

		
	SECTION 4.06.
	Effective Period of Supplemental Indenture    9

		
	SECTION 4.07.
	Effect of Approval of Board of Public Utilities  
of the State of New Jersey    9

		
	SECTION 4.08.
	Execution in Counterparts    10

ACKNOWLEDGEMENTS    12
CERTIFICATE OF RESIDENCE    13

SUPPLEMENTAL INDENTURE, dated the 1st day of August 2014 for convenience of reference and effective from the time of execution and delivery hereof, between Public Service Electric and Gas Company, a corporation organized under the laws of the State of New Jersey, hereinafter called the “Company”, party of the first part, and U.S. Bank National Association, a national banking association organized under the laws of the United States of America, as successor Trustee to Wachovia Bank, National Association (previously known as Fidelity Union Trust Company) under the indenture dated August 1, 1924, below mentioned, hereinafter called the “Trustee”, party of the second part.
Whereas, on July 25, 1924, the Company executed and delivered to Fidelity Union Trust Company, a certain indenture dated August 1, 1924 (hereinafter called the “Indenture”) to secure and to provide for the issue of First and Refunding Mortgage Gold Bonds of the Company; and
Whereas, the Indenture has been recorded in the following counties of the State of New Jersey, in the offices, and therein in the books and at the pages, as follows:

	
				
	County
	Office
	Book Number
	Page
Number

	Atlantic
	Clerk’s
	1955 of Mortgages
	160

	Bergen
	Clerk’s
	94 of Chattel Mortgages
	123 etc.

	Burlington
	Clerk’s
	693 of Mortgages
52 of Chattel Mortgages
	88 etc.
Folio 8 etc.

	Camden
	Register’s
	177 of Mortgages
45 of Chattel Mortgages
	Folio 354 etc.
184 etc.

	Cumberland
	Clerk’s
	239 of Mortgages
786 of Mortgages
	1 etc.
638 & c.

	Essex
	Register’s
	437 of Chattel Mortgages
	1-48

	 
	 
	T-51 of Mortgages
	341-392

	Gloucester
	Clerk’s
	34 of Chattel Mortgages
	123 etc.

	Hudson
	Register’s
	142 of Mortgages
453 of Chattel Mortgages
	7 etc.
9 etc.

	 
	 
	1245 of Mortgages
	484, etc.

	Hunterdon
	Clerk’s
	151 of Mortgages
	344

	Mercer
	Clerk’s
	67 of Chattel Mortgages
	1 etc.

	Middlesex
	Clerk’s
	384 of Mortgages
113 of Chattel Mortgages
	1 etc.
3 etc.

	 
	 
	437 of Mortgages
	294 etc.

	Monmouth
	Clerk’s
	951 of Mortgages
	291 & c.

	Morris
	Clerk’s
	N-3 of Chattel Mortgages
	446 etc.

	 
	 
	F-10 of Mortgages
	269 etc.

	Ocean
	Clerk’s
	1809 of Mortgages
	40

	Passaic
	Register’s
	M-6 of Chattel Mortgages
	178, etc.

	 
	 
	R-13 of Mortgages
	268 etc.

	Salem
	Clerk’s
	267 of Mortgages
	249 etc.

	Somerset
	Clerk’s
	46 of Chattel Mortgages
	207 etc.

	Sussex
	Clerk’s
	N-10 of Mortgages
123 of Mortgages
	1 etc.
10 & c.

	Union
	Register’s
	  9584 of Mortgages 
	259 etc.

	Warren
	Clerk’s
	124 of Mortgages
	141 etc.

and
Whereas, the Indenture has also been recorded in the following counties of the Commonwealth of Pennsylvania, in the offices, and therein in the books and at the pages, as follows:
	
				
	County
	Office
	Book Number
	Page
Number

	Adams
	Recorder’s
	22 of Mortgages
	105

	Armstrong
	Recorder’s
	208 of Mortgages
	381

	Bedford
	Recorder’s
	90 of Mortgages
	917

	Blair
	Recorder’s
	671 of Mortgages
	430

	Cambria
	Recorder’s
	407 of Mortgages
	352

	Cumberland
	Recorder’s
	500 of Mortgages
	136

	Franklin
	Recorder’s
	285 of Mortgages
	373

	Huntingdon
	Recorder’s
	128 of Mortgages
	47

	Indiana
	Recorder’s
	197 of Mortgages
	281

	Lancaster
	Recorder’s
	984 of Mortgages
	1

	Montgomery
	Recorder’s
	5053 of Mortgages
	1221

	Westmoreland
	Recorder’s
	1281 of Mortgages
	198

	York
	Recorder’s
	31-V of Mortgages
	446

and
Whereas, the Indenture granted, bargained, sold, aliened, remised, released, conveyed, confirmed, assigned, transferred and set over unto the Trustee certain property of the Company, more fully set forth and described in the Indenture, then owned or which might thereafter be acquired by the Company; and
Whereas, the Company, by various supplemental indentures, supplemental to the Indenture, the last of which was dated May 1, 2013, has granted, bargained, sold, aliened, remised, released, conveyed, confirmed, assigned, transferred and set over unto the Trustee certain property of the Company acquired by it after the execution and delivery of the Indenture; and
Whereas, since the execution and delivery of said supplemental indenture dated May 1, 2013, the Company has acquired property which, in accordance with the provisions of the Indenture, is subject to the lien thereof and the Company desires to confirm such lien; and
Whereas, the Indenture has been amended or supplemented from time to time; and
Whereas, it is provided in the Indenture that no bonds other than those of the 5-1/2% Series due 1959 therein authorized may be issued thereunder unless a supplemental indenture providing for the issue of such additional bonds shall have been executed and delivered by the Company to the Trustee; and
Whereas, the Company is making provisions for the issuance and sale of its Secured Medium-Term Notes, Series J (the “Series J Notes”), to be issued under an Indenture of Trust (the “Note Indenture”) dated as of July 1, 1993 between the Company and The Chase Manhattan Bank (National Association) as predecessor trustee (The Bank of New York Mellon, as successor trustee to the predecessor trustee), as Trustee (the “Note Trustee”); and
Whereas, such Note Indenture provides, among other things, for the pledge and delivery by the Company of a series of First and Refunding Mortgage Bonds of the Company to evidence the Company’s obligation to pay the principal and interest with respect to outstanding Series J Notes; and for such purpose and in order to service and secure payment of the principal and interest in respect of the Series J Notes, the Company desires to provide for the issue of $775,000,000 aggregate principal amount of bonds under the Indenture of a series to be designated as “First and Refunding Mortgage Bonds, Medium-Term Notes Series J” (hereinafter sometimes called “Bonds of the Medium-Term Notes Series J”); and

Whereas, the text of the Bonds of the Medium-Term Notes Series J and of the certificate of authentication to be borne by the Bonds of the Medium-Term Notes Series J shall be substantially of the following tenor:
 (Form of Bond)

This Bond is not transferable except as provided in the Indenture and in the Indenture of Trust dated as of July 1, 1993 between the Company and The Chase Manhattan Bank (National Association)  (The Bank of New York  Mellon, successor trustee) as Trustee.
REGISTERED                                                          REGISTERED
NUMBER                                                       AMOUNT  
R                                                    $775,000,000
PUBLIC SERVICE ELECTRIC AND GAS COMPANY
First and Refunding Mortgage Bond,
Medium-Term Notes Series J
Public Service Electric and Gas Company (hereinafter called the “Company”), a corporation of the State of New Jersey, for value received, hereby promises to pay to The Bank of New York Mellon as successor trustee to The Chase Manhattan Bank (National Association)), under the Indenture of Trust dated as of July 1, 1993 between the Company and such trustee, or registered assigns, on the surrender hereof, the principal sum of Seven Hundred Seventy Five Million Dollars, on August 1, 2049, and to pay interest thereon from the date hereof, at the rate of 10% per annum, and until payment of said principal sum, such interest to be payable February 1 and August 1 in each year; provided, however, that the Company shall receive certain credits against such obligations as set forth in the Supplemental Indenture dated August 1, 2014 referred to below.
Both the principal hereof and interest hereon shall be paid at the principal corporate trust office of U.S. Bank National Association in the City of Morristown, State of New Jersey, or (at the option of the registered owner) at the corporate trust office of any paying agent appointed by the Company, in such coin or currency of the United States of America as at the time of payment shall constitute legal tender for the payment of public and private debts; provided, however, that any such payments of principal and interest shall be subject to receipt of certain credits against such payment obligations as set forth in the Supplemental Indenture dated August 1, 2014 referred to below.
This Bond is one of the First and Refunding Mortgage Bonds of the Company issued and to be issued under and pursuant to, and all equally secured by, an indenture of mortgage or deed of trust dated August 1, 1924, as supplemented and amended by supplemental indentures thereto, including the Supplemental Indenture dated August 1, 2014, duly executed by the Company and U.S. Bank National Association as Trustee. This Bond is one of the Bonds of the Medium-Term Notes Series J, which series is limited to the aggregate principal amount of $775,000,000 and is issued pursuant to said Supplemental Indenture dated August 1, 2014. Reference is hereby made to said indenture and all supplements thereto for a specification of the principal amount of Bonds from time to time issuable thereunder, and for a description of the properties mortgaged and conveyed or assigned to said Trustee or its successors, the nature and extent of the security, and the rights of the holders of said Bonds and any coupons appurtenant thereto, and of the Trustee in respect of such security.

In and by said indenture, as amended and supplemented, it is provided that with the written approval of the Company and the Trustee, any of the provisions of said indenture may from time to time be eliminated or modified and other provisions may be added thereto provided the change does not alter the annual interest rate, redemption price or date, date of maturity or amount payable on maturity of any then outstanding Bond or conflict with the Trust Indenture Act of 1939 as then in effect, and provided the holders of 85% in principal amount of the Bonds secured by said indenture and then outstanding (including, if such change affects the Bonds of one or more series but less than all series then outstanding, a like percentage of the then outstanding Bonds of each series affected by such change, and excluding Bonds owned or controlled by the Company or by the parties owning at least 10% of the outstanding voting stock of the Company, as more fully specified in said indenture) consent in writing thereto, all as more fully set forth in said indenture, as amended and supplemented.
First and Refunding Mortgage Bonds issuable under said indenture are issuable in series, and the Bonds of any series may be for varying principal amounts and in the form of coupon bonds and of registered bonds without coupons, and the Bonds of any one series may differ from the Bonds of any other series as to date, maturity, interest rate and otherwise, all as in said indenture provided and set forth. The Bonds of the Medium-Term Notes Series J, in which this Bond is included, are designated “First and Refunding Mortgage Bonds, Medium-Term Notes Series J”.
In case of the happening of an event of default as specified in said indenture and said supplemental indenture dated March 1, 1942, the principal sum of the Bonds of this series may be declared or may become due and payable forthwith, in the manner and with the effect in said indenture provided.
The Bonds of this series are subject to redemption as provided in the Supplemental Indenture dated August 1, 2014.
This Bond is transferable, but only as provided in said indenture and the Indenture of Trust dated as of July 1, 1993 between the Company and The Chase Manhattan Bank (National Association) as predecessor trustee (The Bank of New York Mellon, as successor trustee to the predecessor trustee), as trustee, upon surrender hereof, by the registered owner in person or by attorney duly authorized in writing, at either of said offices where the principal hereof and interest hereon are payable; upon any such transfer a new fully registered Bond similar hereto will be issued to the transferee. This Bond may in like manner be exchanged for one or more new fully registered Bonds of the same series of other authorized denominations but of the same aggregate principal amount. No service charge shall be made for any such transfer or exchange, but the Company may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto. The Company and the Trustee hereunder and any paying agent may deem and treat the person in whose name this Bond is registered as the absolute owner hereof for the purpose of receiving payment of or on account of the principal hereof and the interest hereon and for all other purposes; and neither the Company nor the Trustee hereunder nor any paying agent shall be affected by any notice to the contrary.
The Bonds of this series are issuable only in fully registered form, in any denomination authorized by the Company.
No recourse under or upon any obligation, covenant or agreement contained in said indenture or in any indenture supplemental thereto, or in any Bond issued thereunder, or because of any indebtedness arising thereunder, shall be had against any incorporator, or against any past, present or future stockholder, officer, or director, as such, of the Company or of any successor corporation, either directly or through the Company or any successor corporation, under any rule of law, statute or constitutional provision or by the enforcement of any assessment or by any legal or equitable proceeding or otherwise, it being expressly agreed and understood that said indenture, any indenture supplemental thereto and the obligations issued thereunder, are solely corporate obligations, and that no personal liability whatever shall attach to, or be incurred by, such incorporators, stockholders, officers or directors, as such, of the Company, or of any successor corporation, or any of them, because of the incurring of the indebtedness thereby authorized, or under or by reason of any of the obligations, covenants or agreements contained in the indenture or in any indenture supplemental thereto or in any of the Bonds issued thereunder, or implied therefrom.

This Bond shall not be entitled to any security or benefit under said indenture, as amended and supplemented, and shall not become valid or obligatory for any purpose, until the certificate of authentication, hereon endorsed, shall have been signed by  U.S. Bank National Association as Trustee, or by its successor in trust under said indenture.   
In Witness Whereof, the Company has caused this Bond to be duly executed by its proper officers under its corporate seal.
Dated
PUBLIC SERVICE ELECTRIC AND GAS COMPANY,
                                                                                                     By. . . . . . . . . . . . . . . . . . . . . . . . . . . . .
                                                                                                                            (Vice) President
(Seal)
Attest:

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
(Assistant) Secretary

(Form of Certificate of Authentication)
Certificate of Authentication
This Bond is one of the Bonds of the series designated therein which is described in the within-mentioned indenture and supplemental indenture dated August 1, 2014, as secured thereby.

     U.S. BANK NATIONAL ASSOCIATION, TRUSTEE,
By. . . . . . . . . . . . . . . . . . . . . . . . . . . . .
                                                                                                                         Authorized Signatory

Whereas, the execution and delivery of this supplemental indenture have been duly authorized by the Board of Directors of the Company; and
Whereas, the Company represents that all things necessary to make the bond of the series hereinafter described, when duly authenticated by the Trustee and issued by the Company, a valid, and legal obligation of the Company, and to make this supplemental indenture a valid and binding agreement supplemental to the Indenture, have been done and performed:
Now, therefore, this supplemental indenture witnesseth that the Company, in consideration of the premises and the execution and delivery by the Trustee of this supplemental indenture, and in pursuance of the covenants and agreements contained in the Indenture and for other good and valuable consideration, the receipt of which is hereby acknowledged, has granted, bargained, sold, aliened, remised, released, conveyed, confirmed, assigned, transferred and set over, and by these presents does grant, bargain, sell, alien, remise, release, convey, confirm, assign, transfer and set over unto the Trustee, its successors and assigns, forever, all the right, title and interest of the Company in and to all property of every kind and description (except cash, accounts and bills receivable and all merchandise bought, sold or manufactured for sale in the ordinary course of the Company’s business, stocks, bonds or other corporate obligations or securities, other than such as are described in Part V of the Granting Clauses of the Indenture, not acquired with the proceeds of bonds secured by the Indenture, and except as in the Indenture and herein otherwise expressly excluded) acquired by the Company since the execution and delivery of the supplemental indenture dated  May 1, 2013, subsequent to the Indenture (except any such property duly released from, or disposed of, free from the lien of the Indenture, in accordance with the provisions thereof) and all such property which at any time hereafter may be acquired by the Company;
All of which property it is intended shall be included in and granted by this supplemental indenture and covered by the lien of the Indenture as heretofore and hereby amended and supplemented;
Under and subject to any encumbrances or mortgages existing on property acquired by the Company at the time of such acquisition and not heretofore discharged of record; and
Subject also, to the exceptions, reservations and provisions in the Indenture and in this supplemental indenture recited, and to the liens, reservations, exceptions, limitations, conditions and restrictions imposed by or contained in the several deeds, grants, franchises and contracts or other instruments through which the Company acquired or claims title to the aforesaid property; and Subject, also, to the existing leases, to liens on easements or rights of way, to liens for taxes, assessments and governmental charges not in default or the payment of which is deferred, pending appeal or other contest by legal proceedings, pursuant to Section 4 of Article Five of the Indenture, or the payment of which is deferred pending billing, transfer of title or final determination of amount, to easements for alleys, streets, highways, rights of way and railroads that may run across or encroach upon the said property, to joint pole and similar agreements, to undetermined liens and charges, if any, incidental to construction, and other encumbrances permitted by the Indenture as heretofore and hereby amended and supplemented;
To have and to hold the property hereby conveyed or assigned, or intended to be conveyed or assigned, unto the Trustee, its successor or successors and assigns, forever;
In trust, nevertheless, upon the terms, conditions and trusts set forth in the Indenture as heretofore and hereby amended and supplemented, to the end that the said property shall be subject to the lien of the Indenture as heretofore and hereby amended and supplemented, with the same force and effect as though said property had been included in the Granting Clauses of the Indenture at the time of the execution and delivery thereof;
And this supplemental indenture further witnesseth that for the considerations aforesaid, it is hereby covenanted between the Company and the Trustee as follows:

ARTICLE I.
Bonds of the Medium-Term Notes Series J.
The series of bonds authorized by this supplemental indenture to be issued under and secured by the Indenture shall be designated “First and Refunding Mortgage Bonds, Medium-Term Notes Series J”; shall be limited to the aggregate principal amount of $775,000,000; shall be issued initially to the Note Trustee and shall mature and bear interest as set forth in the form of bond set forth herein; provided, however, that the Company shall receive certain credits against principal and interest as set forth in Section 3.01 hereof. The date of each Bond of the Medium-Term Notes Series J shall be the interest payment date next preceding the date of authentication, unless such date of authentication be an interest payment date, in which case the date shall be the date of authentication, or unless such date of authentication be prior to the first semi-annual interest payment date, in which case the date shall be August 1, 2014.
Bonds of the Medium-Term Notes Series J shall be issuable only in the form of fully registered bonds in any denomination authorized by the Company. Interest on the Bonds of the Medium-Term Notes Series J shall be payable semi-annually in arrears on February 1 and August 1 of each year, payable initially on February 1, 2015, subject to receipt of certain credits against principal and interest as set forth in Section 3.01 hereof and shall be payable as to both principal and interest in such coin or currency of the United States of America as at the time of payment shall constitute legal tender for the payment of public and private debts, at the principal corporate trust office of the Trustee, or at the corporate trust office of any paying agent appointed.
Bonds of the Medium-Term Notes Series J shall be transferable and exchangeable, but only as provided in the Indenture and the Note Indenture, upon surrender thereof for cancellation by the registered owner in person or by attorney duly authorized in writing at either of said offices. The Company hereby waives any right to make a charge for any transfer or exchange of Bonds of the Medium-Term Notes Series J, but the Company may require payment of a sum sufficient to cover any tax or any other governmental charge that may be imposed in relation thereto.
ARTICLE II.
Redemption of Bonds of Medium-Term Notes Series J.
Section 2.01. Redemption-Redemption Price. Bonds of the Medium-Term Notes Series J shall be subject to redemption prior to maturity under the conditions, and upon payment of the amounts as may be specified in the following conditions:
(a) at any time in whole or in part at the option of the Company upon receipt by the Trustee of written certification of the Company and of the Note Trustee that the principal amount of the Series J Notes then outstanding under the Note Indenture is not in excess of such principal amount of the Bonds of the Medium-Term Notes Series J as shall remain pledged to the Note Trustee after giving effect to such redemption;  (b) at any time by the application of any proceeds of released property or other money held by the Trustee and which, pursuant to Section 4C of Article Eight of the Indenture, as amended and supplemented, are applied to the redemption of Bonds of the Medium-Term Notes Series J, upon payment of 100% of the principal amount thereof, together with interest accrued to the redemption date, provided that any such payment shall be subject to receipt by the Company of certain credits against such obligations as set forth in Section 3.01 hereof or (c) automatically upon failure to pay the principal of any Series J Notes then outstanding under the Note Indenture when due, on their stated maturity date or earlier redemption or repayment date, in a principal amount of Bonds of the Medium-Term Notes Series J equal to the principal amount of such Series J Notes, in each case, at a price equal to 100% of the principal amount thereof, together with accrued interest, if applicable.
Section 2.02. Redemptions Pursuant to Section 4C of Article Eight of the Indenture. If, pursuant to Section 4C of Article Eight of the Indenture, as amended and supplemented, any proceeds of released property or other money then held by the Trustee shall be applied to the redemption of the Bonds of the Medium-Term Notes Series J, the Trustee shall give at least 45 days prior written

notice of such redemption to the Note Trustee whereupon on the date fixed for redemption such principal amount thereof as is equal to such proceeds shall be redeemed; provided that no such redemption shall be made unless the Trustee shall be in receipt of a written certification of the Company and the Note Trustee that a like principal amount of Series J Notes shall have been theretofore redeemed in accordance with the provisions of the Note Indenture. For purposes of determining which of the Company’s First and Refunding Mortgage Bonds are subject to such mandatory redemption, the Mortgage Trustee shall consider the 10% stated annual interest rate of the Bonds of the Medium-Term Notes Series J, not the weighted average interest rate of outstanding Series J Notes. Bonds of said series so redeemed shall be cancelled.
Section 2.03. Interest on Called Bonds to Cease. Each Bond of the Medium-Term Notes Series J or portion thereof called for redemption under Section 2.02 hereof shall be due and payable at the office of the Note Trustee, as paying agent hereunder, at its redemption price and on the specified redemption date, anything herein or in such Bond to the contrary notwithstanding. From and after the date when each Bond of the Medium-Term Notes Series J or portion thereof shall be due and payable as aforesaid (unless upon said date the full amount due thereon shall not be held by the Note Trustee, as paying agent hereunder, and be immediately available for payment), all further interest shall cease to accrue on such bond or on such portion thereof, as the case may be.
Section 2.04. Bonds Called in Part. If only a portion of any Bond of the Medium-Term Notes Series J shall be called for redemption pursuant to Section 2.02 hereof, upon payment of the portion so called for redemption, the Note Trustee shall make an appropriate notation upon the Bond of the principal amount so redeemed.
Section 2.05. Provisions of Indenture Not Applicable. The provisions of Article Four of the Indenture, as amended and supplemented, shall not apply to the procedure for the exercise of any right of redemption reserved by the Company, or to any mandatory redemption provided, in this Article in respect of the Bonds of the Medium-Term Notes Series J. There shall be no sinking fund for the Bonds of the Medium-Term Notes Series J.
ARTICLE III.
Credits with Respect to Bonds of the Medium-Term Notes Series J.
Section 3.01. Credits. In addition to any other credit, payment or satisfaction to which the Company is entitled with respect to the Bonds of the Medium-Term Notes Series J, the Company shall be entitled to credits against amounts otherwise payable in respect of the Bonds of the Medium-Term Notes Series J in an amount corresponding to (i) the principal amount of any of the Company’s Series J Notes issued under the Note Indenture surrendered to the Note Trustee by the Company, or purchased by the Note Trustee, for cancellation, (ii) the amount of money held by the Note Trustee and available and designated for the payment of principal or redemption price (exclusive of any premium) of, and/or interest on, the Series J Notes, regardless of the source of payment to the Note Trustee of such moneys and (iii) the amount by which principal of and interest due on the Bonds of the Medium-Term Notes Series J exceeds principal of and interest due on the Series J Notes. The Note Trustee shall make notation on such Bonds authorized hereby of any such credit.
Section 3.02. Certificate of the Company. A certificate of the Company signed by the President or any Vice President, and attested to by the Secretary or any Assistant Secretary, and consented to by the Note Trustee, stating that the Company is entitled to a credit under Section 3.01 hereof or that Bonds of the Medium-Term Notes Series J have been cancelled, and setting forth the basis therefor in reasonable detail, shall be conclusive evidence of such entitlement, and the Trustee shall accept such certificate as such evidence without further investigation or verification of the matters stated therein.
ARTICLE IV.
Miscellaneous.
Section 4.01. Authentication of Bonds of Medium-Term Notes Series J. None of the Bonds of the Medium-Term Notes Series J, the issue of which is provided for by this supplemental indenture, shall be authenticated by or on behalf of the Trustee except in accordance with the provisions of the Indenture, as amended and supplemented, and this supplemental indenture, and upon compliance with the conditions in that behalf therein contained.

Section 4.02. Additional Restrictions on Authentication of Additional Bonds Under Indenture. The Company covenants that from and after the date of execution of this supplemental indenture no additional bonds (as defined in Section 1 of Article Two of the Indenture) shall be authenticated and delivered by the Trustee under Subdivision A of Section 4 of said Article Two on account of additions or improvements to the mortgaged property;    
(1) unless the net earnings of the Company for the period required by Subdivision C of Section 6 of said Article Two shall have been at least twice the fixed charges (in lieu of 1-3/4 times such fixed charges, as required by said Subdivision C); and for the purpose of this condition (a) such fixed charges shall in each case include interest on the bonds applied for, notwithstanding the parenthetical provision contained in clause (4) of said Subdivision C, and (b) in computing such net earnings there shall be included in expenses of operation (under paragraph (c) of said Subdivision C) all charges against earnings for depreciation, renewals or replacements, and all certificates with respect to net earnings delivered to the Trustee in connection with any authentication of additional bonds under said Article Two shall so state; and (2) except to the extent of 60% (in lieu of 75% as permitted by Subdivision A of Section 7 of said Article Two) of the cost or fair value to the Company of the additions or improvements forming the basis for such authentication of additional bonds.
Section 4.03. Restriction on Dividends. The Company will not declare or pay any dividend on any shares of its common stock (other than dividends payable in shares of its common stock) or make any other distribution on any such shares, or purchase or otherwise acquire any such shares (except shares acquired without cost to the Company) whenever such action would reduce the earned surplus of the Company to an amount less than $10,000,000 or such lesser amount as may remain after deducting from said $10,000,000 all amounts appearing in the books of account of the Company on December 31, 1948, which shall thereafter, pursuant to any order or rule of any regulatory body entered after said date, be required to be removed, in whole or in part, from the books of account of the Company by charges to earned surplus.
Section 4.04. Use of Facsimile Seal and Signatures. The seal of the Company and any or all signatures of the officers of the Company upon any of the Bonds of the Medium-Term Notes Series J may be facsimiles.
Section 4.05. Time for Making of Payment. All payments of principal or redemption price of, and interest on, the Bonds of the Medium-Term Notes Series J shall be made either prior to the due date thereof or on the due date thereof in immediately available funds. In any case where the date of any such payment shall be a Saturday or Sunday or a legal holiday or a day on which banking institutions in the city of payment are authorized by law to close, then such payment need not be made on such date but may be made on the next succeeding business day with the same force and effect as if made on the due date, and no interest on such payment shall accrue for the period after such date.
Section 4.06. Effective Period of Supplemental Indenture. The preceding provisions of Articles I, II and III of this supplemental indenture shall remain in effect only so long as any of the Bonds of the Medium-Term Notes Series J shall remain outstanding.
Section 4.07. Effect of Approval of Board of Public Utilities of the State of New Jersey. The approval of the Board of Public Utilities of the State of New Jersey of the execution and delivery of these presents and of the issue of any Bond of the Medium-Term Notes Series J shall not be construed as approval of said Board of any other act, matter or thing which requires approval of said Board under the laws of the State of New Jersey.
Section 4.08. Execution in Counterparts. For the purpose of facilitating the recording hereof, this supplemental indenture has been executed in several counterparts, each of which shall be and shall be taken to be an original, and all collectively but one instrument.    

In witness whereof, Public Service Electric and Gas Company, party hereto of the first part, after due corporate and other proceedings, has caused this supplemental indenture to be signed and acknowledged or proved by its President or one of its Vice Presidents and its corporate seal hereunto to be affixed and to be attested by the signature of its Secretary or an Assistant Secretary; and  U.S. Bank National Association, as Trustee, party hereto of the second part, has caused this supplemental indenture to be signed and acknowledged or proved by its President or one of its Vice Presidents, and its corporate seal to be hereunto affixed and to be attested by the signature of its Secretary, Assistant Secretary, Vice President, or an Assistant Vice President. Executed and delivered this 1st day of August 2014.
Attest:

                              PUBLIC  SERVICE  ELECTRIC AND GAS COMPANY
By /s/ B. D. Huntington    
. . . . . . . . . . . . . . . . . . . . . . . . . . . 
B. D. Huntington
Vice President
Attest:
/s/ E. C. Fedak
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
E. C. Fedak 
Assistant Secretary
U.S. BANK  NATIONAL ASSOCIATION
By /s/ N. Barnes    
. . . . . . . . . . . . . . . . . . . . . . . . . . . 
N. Barnes 
Vice President 
Attest:
/s/ A. Harris
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
A. Harris
Vice President   
    
                                 
STATE OF NEW JERSEY    )
                   SS:)
COUNTY OF ESSEX    )

Be it Remembered, that on this 1st day of August, 2014, before me, the subscriber, a Notary Public of the State of New Jersey, personally appeared B.D. Huntington, who, I am satisfied, is a Vice President of Public Service Electric and Gas Company, one of the corporations named in and which executed the foregoing instrument, and is the person who signed the said instrument as such officer, for and on behalf of such corporation, and I having first made known to him the contents thereof, he did acknowledge that he signed the said instrument as such officer, that the said instrument was made by such corporation and sealed with its corporate seal, that the said instrument is the voluntary act and deed of such corporation, made by virtue of authority from its Board of Directors, and that said corporation, the mortgagor, has received a true copy of said instrument.
     /s/ Susan M. Costello
. . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Susan M. Costello 
Notary Public of New Jersey
My Commission Expires March 26, 2017 

   
STATE OF NEW JERSEY    )
                   SS:)
COUNTY OF ESSEX    )

Be it Remembered, that on this 1st day of August 2014 before me, the subscriber, a Notary Public of the State of New Jersey, personally appeared N. Barnes, who, I am satisfied, is a Vice President of U.S. Bank National Association, one of the corporations named in and which executed the foregoing instrument, and is the person who signed the said instrument as such officer, for and on behalf of such corporation, and I having first made known to him the contents thereof, he did acknowledge that he signed the said instrument as such officer, that the said instrument was made by such corporation and sealed with its corporate seal, and that the said instrument is the voluntary act and deed of such corporation, made by virtue of authority from its Board of Directors.

/s/ June Barnett
..............................................................
 June Barnett                
Notary Public of New Jersey                                  
My Commission Expires July 31, 2018

                            
CERTIFICATE OF RESIDENCE
    
U.S. Bank National Association, Mortgagee and Trustee within named, hereby certifies that its precise residence is 21 South Street, Morristown, New Jersey 07960.
U.S. BANK NATIONAL ASSOCIATION
By /s/ N. Barnes    
. . . . . . . . . . . . . . . . . . . . . . . . . . . 
N. Barnes 
Vice PresidentExhibit 10.1

FIRST AMENDMENT TO CREDIT AGREEMENT

 

THIS
FIRST AMENDMENT TO CREDIT AGREEMENT (this “Amendment”) is made and entered into effective as of October 29, 2014, by
and among Reliv’ International, Inc., a Delaware corporation, Reliv’, Inc., an
Illinois corporation, Reliv’ World corporation, an Illinois corporation, and SL Technology, Inc., a Missouri corporation
(each a “Borrower” and collectively, “Borrowers”), and BMO Harris Bank N.A., a national banking
association (“Bank”)

 

WITNESSETH:

 

WHEREAS, Borrowers
and Bank have heretofore entered into that certain Credit Agreement dated as of February 28, 2014 (as the same may be amended from
time to time, the “Credit Agreement;” all capitalized terms used and not otherwise defined in this Amendment shall
have the respective meanings ascribed to them in the Credit Agreement as amended by this Amendment); and

 

WHEREAS, Borrower and
Bank desire to amend the Credit Agreement in the manner hereinafter set forth;

 

NOW, THEREFORE, in
consideration of the premises and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
Borrower and Bank hereby agree as follows:

 

1.The
definition of “Revolving Credit Commitment” set forth in Section 1.1 of the Credit Agreement is hereby
deleted in its entirety and the following substituted in lieu thereof:

 

“Revolving
Credit Commitment” means the obligation of Bank to make Revolving Loans in an aggregate principal or face amount
at any one time outstanding not to exceed $3,500,000.00.

 

2.The “and” at the
end of subsection (g) of Section 6.5 of the Credit Agreement is deleted, with a “; and” being added to the end of subsection
(h) of Section 6.5 of the Credit Agreement and a new subsection (i) added immediately after subsection (h) of Section 6.5 of the
Credit Agreement as follows:

 

(i)as soon as available, and
in any event no later than (1) December 15, 2014, for Borrowers’ fiscal plan for Borrowers’ fiscal year ending December
31, 2015 and (2) on December 31 of each year commencing December 31, 2015 and each December 31 thereafter, a copy of Borrowers’
consolidated and consolidating business plan for the following fiscal year, such business plan to show Borrowers’ projected
consolidated and consolidating revenues, expenses and balance sheet on a quarter by quarter basis, such business plan to be in
reasonable detail prepared by Borrowers and in form satisfactory to Bank (which shall include a summary of all assumptions made
in preparing such business plan);

 

3.Section 7.6 of the Credit Agreement
is hereby deleted in its entirety and the following substituted in lieu thereof:

 

Section
7.6Dividends and Certain Other Restricted Payments. No Borrower shall, nor shall it permit any Subsidiary to, (a) declare
or pay any dividends on or make any other distributions in respect of any class or series of its capital stock or other equity
interests (other than dividends or distributions payable solely in its capital stock or other equity interests), and (b) directly
or indirectly purchase, redeem, or otherwise acquire or retire any of its capital stock or other equity interests or any warrants,
options, or similar instruments to acquire the same. Other than inter-company management fees, no Borrower shall, nor shall it
permit any Subsidiary to, directly or indirectly pay any management fees (collectively referred to herein as “Restricted
Payments”); provided that the foregoing shall not operate to
prevent the making of dividends or distributions by any Subsidiary to a Borrower.

 

    	 

    	 

    

 

4.A new Section 7.13 of the Credit
Agreement is hereby added to the Credit Agreement immediately after Section 7.12 therein as follows:

 

Each Borrower hereby
covenants and agrees with Bank that such Borrower shall not sell, transfer, convey or pledge any life insurance policy owned by
such Borrower and any supplementary contracts issued in connection therewith and all claims, options, privileges, rights, title
and interest therein and thereunder (collectively, the “Policies”) or in any way grant or permit the imposition of,
or allow the continuance of, any security interest, lien or other encumbrance of any kind, whether granted voluntarily by such
Borrower or imposed involuntarily, on the Policies, whether now owned or hereafter acquired by such Borrower without the express
prior written consent of Bank.

 

5.A new Section 9.21 of the Credit
Agreement is hereby added to the Credit Agreement immediately after Section 9.20 therein as follows:

 

Section
9.21 Joint and Several Liability.

 

(a)All
references to “Borrowers” and “Borrower” shall mean among Reliv’ International, Inc., a Delaware
corporation (“Reliv International”), Reliv’, Inc., an Illinois corporation (“Reliv’”), Reliv’
World corporation, an Illinois corporation (“Reliv World”), and SL Technology, Inc., a Missouri corporation (“SL
Technology”), both individually and collectively, and jointly and severally, and all representations, warranties, duties,
covenants, agreements and obligations of Borrowers shall be the individual and collective representations, warranties, duties,
covenants, agreements and obligations of each of Reliv International, Reliv, Reliv World and SL Technology. Each Borrower appoints
each other Borrower as its agent for all purposes relevant to this Loan Agreement and the Other Agreements, including, without
limitation, the giving and receipt of notices and execution and delivery of all documents, instruments and certificates contemplated
herein and all modifications hereto. Any acknowledgment, consent, direction, certification or other action which might otherwise
be valid or effective only if given or taken by all of the Borrowers or any Borrower acting singly, shall be valid and effective
if given or taken only by one Borrower, whether or not the other Borrowers join therein. Each Borrower agrees to be bound by all
actions of the other Borrowers in all such respects.

 

6.Exhibit A-2 to the Credit
Agreement hereby is amended and restated in its entirety to read as set forth on Exhibit A-2 attached to this Amendment
and incorporated herein and therein by reference.

 

7.Pursuant to Borrowers’
request, Bank hereby waives the existing Default or Event of Default under the Credit Agreement caused solely by Borrowers’
failure to comply with Section 7.12(b) of the Credit Agreement (failure to comply with the Fixed Charge Coverage Ratio covenant
for the reporting period ending September 30, 2014). This Section 7 is not and shall not be construed as (a) a waiver of any of
the other terms, provisions, conditions or covenants contained in the Credit Agreement or any of the other Loan Documents, or of
any other Default or Event of Default, if any, existing under the Credit Agreement or any of the other Loan Documents as of the
date of this Amendment, or (b) a commitment on the part of Bank to waive any future Default or Event of Default under the Credit
Agreement or any of the other Loan Documents resulting from any subsequent failure to comply with any provisions of the Credit
Agreement or any of the other Loan Documents or any other future Default or Event of Default under the Credit Agreement or any
of the other Loan Documents.

 

    	-2-

    	 

    

 

8.Borrowers hereby jointly and
severally agree to reimburse Bank upon demand for all out-of-pocket costs and expenses (including, without limitation, reasonable
attorneys' fees and expenses) incurred by Bank in the preparation, negotiation and execution of this Amendment and any and all
other agreements, documents, instruments and/or certificates relating to the amendment of Borrower's existing credit facilities
with Bank (collectively, the “Loan Documents”). Borrowers further jointly and severally agree to pay or reimburse Bank
for (a) any stamp or other taxes (excluding income or gross receipts taxes) which may be payable with respect to the execution,
delivery, filing and/or recording of the Loan Documents and (b) the cost of any filings and searches, including, without limitation,
Uniform Commercial Code filings and searches. All of the obligations of Borrowers under this paragraph shall survive the payment
of the Obligations and the termination of the Credit Agreement.

 

9.All references in the Credit
Agreement to “this Agreement” and any other references of similar import shall henceforth mean the Credit Agreement
as amended by this Amendment.

 

10.Except to the extent specifically
amended by this Amendment, all of the terms, provisions, conditions, covenants, representations and warranties contained in the
Credit Agreement shall be and remain in full force and effect and the same are hereby ratified and confirmed. This amendment is
an amendment and continuation of the Credit Agreement and is not a novation thereof nor of any obligations of Borrower outstanding
thereunder on the date hereof.

 

11.This Amendment shall be binding
upon and inure to the benefit of Borrower and Bank and their respective successors and assigns, except that Borrowers may not assign,
transfer or delegate any of their respective rights or obligations under the Credit Agreement, as amended by this Amendment.

 

12.Each Borrower hereby represents
and warrants to Bank that:

 

(a)the execution, delivery
and performance by such Borrower of this Amendment and the Revolving Note are within the corporate powers of Borrower, have been
duly authorized by all corporate action and require no action by or in respect of, consent of or filing or recording with, any
governmental or regulatory body, agency or official or any other Person;

 

(b)the execution, delivery
and performance by such Borrower of this Amendment and the Revolving Note do not conflict with, or result in a breach of the terms,
conditions or provisions of, or constitute a default under or result in any violation of, the terms of the Certificate of Incorporation,
Articles of Incorporation or By-Laws of such Borrower, any applicable law, rule, regulation, order, writ, judgment or decree of
any court or governmental or regulatory agency or instrumentality or any agreement, document or instrument to which such Borrower
is a party or by which such Borrower or any of its Property or assets is bound or to which such Borrower or any of its Property
or assets is subject;

 

(c)this Amendment and
the Revolving Note have been duly executed and delivered by such Borrower and constitutes the legal, valid and binding obligation
of such Borrower enforceable against such Borrower in accordance with its terms, except as such enforceability may be limited by
(i) applicable bankruptcy, insolvency or similar laws affecting the enforcement of creditors' rights generally and (ii) general
principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or at law); and

 

    	-3-

    	 

    

(d)as of the date of
this Amendment, all of the representations and warranties of such Borrower set forth in the Credit Agreement and the Loan Documents
are true and correct in all material respects and, upon the effectiveness of this Amendment, no Default or Event of Default under
or within the meaning of the Credit Agreement has occurred and is continuing.

 

13.In the event of any inconsistency
or conflict between this Amendment and the Credit Agreement, the terms, provisions and conditions contained in this Amendment shall
govern and control.

 

14.This Amendment shall be governed
by and construed in accordance with the substantive laws of the State of Missouri (without reference to conflict of law principles).

 

15.Each Borrower hereby releases,
acquits, and forever discharges Bank and Bank’s parent, affiliates, subsidiaries, employees, successors, agents, assigns,
representatives, and attorneys (collectively, "Bank's Agents") and each of them, of and from any and all liability, claims,
demands, damages, actions, causes of action, defenses, counterclaims, setoffs, or claims for recoupment of whatsoever nature, whether
known or unknown, whether fixed or contingent, whether in contract or tort or otherwise, arising directly or indirectly from, or
in any way related to the Credit Agreement, this Amendment, the Notes and the other Loan Documents, any other indebtedness or obligations
of any Borrower to Bank, to the relationship between any Borrower and Bank or Bank's Agents, or to any acts or omissions of Bank
or Bank's Agents.

 

16.ORAL OR UNEXECUTED AGREEMENTS
OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT OR TO FORBEAR FROM ENFORCING REPAYMENT OF A DEBT INCLUDING PROMISES TO EXTEND OR RENEW
SUCH DEBT ARE NOT ENFORCEABLE, REGARDLESS OF THE LEGAL THEORY UPON WHICH IT IS BASED THAT IS IN ANY WAY RELATED TO THIS AGREEMENT.
TO PROTECT YOU (BORROWER(S)) AND US (CREDITOR) FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE REACH COVERING SUCH MATTERS
ARE CONTAINED IN THE LOAN AGREEMENT AS AMENDED BY THIS AMENDMENT AND THE OTHER LOAN DOCUMENTS, WHICH ARE THE COMPLETE AND EXCLUSIVE
STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING TO MODIFY THEM. 

 

17.Notwithstanding any provision
contained in this Amendment to the contrary, this Amendment shall not be effective unless and until Bank shall have received:

 

(a)this Amendment, duly
executed by Borrowers;

 

(b)the restated Revolving
Note, duly executed by Borrowers; and

 

(c)such other agreements
and other documents reasonably requested by Bank to complete the transactions contemplated herein.

 

    	-4-

    	 

    

 

 

IN WITNESS WHEREOF,
Borrower and Bank have executed this Amendment to Credit Agreement as of the date first above written.

  

	 	“Borrowers”
	 	 
	 	RELIV’ INTERNATIONAL, INC.
	 	 
	 	 
	 	By:
    /s/ Steven D. Albright                    
	 	Name:  Steven D. Albright
	 	Title:    CFO
	 	 
	 	RELIV’, INC.
	 	 
	 	 
	 	By:
    /s/ Steven D. Albright                    
	 	Name:  Steven D. Albright
	 	Title:    CFO
	 	 
	 	RELIV’ WORLD CORPORATION
	 	 
	 	 
	 	By:
    /s/ Steven D. Albright                    
	 	Name:  Steven D. Albright
	 	Title:    CFO
	 	 
	 	SL TECHNOLOGY, INC.
	 	 
	 	 
	 	By:
    /s/ Steven D. Albright                    
	 	Name:  Steven D. Albright
	 	Title:    CFO
	 	 
	 	“Bank”
	 	 
	 	BMO Harris Bank N.A.
	 	 
	 	 
	 	By:______________________________
	 	Name:
	 	Title:

 

    	-5-

    	 

    

 

 

Exhibit A-2

 

 

Amended and Restated Revolving Note

 

	U.S. $3,500,000.00	St. Louis, Missouri
	 	October 29, 2014

 

For Value Received,
the undersigned, Reliv’ International, Inc., a Delaware corporation, Reliv’, Inc., an Illinois corporation, Reliv’
World corporation, an Illinois corporation, and SL Technology, Inc., a Missouri corporation (each a “Borrower” and
collectively, “Borrowers”), hereby jointly and severally promise to pay to the order of BMO Harris Bank N.A.
(“Bank”) at the principal office of Bank in Chicago, Illinois (or such other location as Bank may designate
to Borrower), in immediately available funds, the principal sum of Three Million Five Hundred Thousand and 00/100 Dollars ($3,500,000.00)
or, if less, the aggregate unpaid principal amount of all Revolving Loans made by Bank to Borrowers pursuant to the Credit Agreement,
together with interest on the principal amount of each Revolving Loan from time to time outstanding hereunder at the rates, and
payable in the manner and on the dates, specified in the Credit Agreement.

 

This Note is the Revolving
Note referred to in the Credit Agreement dated as of February 28, 2014, among Borrowers and Bank (as extended, renewed, amended
or restated from time to time, the “Credit Agreement”), and this Note and the holder hereof are entitled to
all the benefits and security provided for thereby or referred to therein, to which Credit Agreement reference is hereby
made for a statement thereof. All defined terms used in this Note, except terms otherwise defined herein, shall have the same meaning
as in the Credit Agreement. This Note shall be governed by and construed in accordance with the internal laws of the State of Missouri.

 

Voluntary prepayments
may be made hereon, certain prepayments are required to be made hereon, and this Note may be declared due prior to the expressed
maturity hereof, all in the events, on the terms and in the manner as provided for in the Credit Agreement.

 

This Note is an amendment,
restatement and continuation of, and not a novation of, that certain Revolving Note of Borrowers dated February 28, 2014, and payable
to the order of Bank in the principal amount of up to $5,000,000.00.

 

    	 

    	 

    

 

Borrower hereby waives
demand, presentment, protest or notice of any kind hereunder.

 

	 	RELIV’ INTERNATIONAL, INC.
	 	 
	 	 
	 	By: /s/ Steven D. Albright                    
	 	Name:  Steven D. Albright
	 	Title:    CFO
	 	 
	 	RELIV’, INC.
	 	 
	 	 
	 	By:
    /s/ Steven D. Albright                    
	 	Name:  Steven D. Albright
	 	Title:    CFO
	 	 
	 	RELIV’ WORLD CORPORATION
	 	 
	 	 
	 	By:
    /s/ Steven D. Albright                    
	 	Name:  Steven D. Albright
	 	Title:    CFO
	 	 
	 	SL TECHNOLOGY, INC.
	 	 
	 	 
	 	By:
    /s/ Steven D. Albright                    
	 	Name:  Steven D. Albright
	 	Title:    CFO

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