Document:

Release and Settlement Agreement

 Confidential Subject to Fed. R. Evid. 408 
 Exhibit 10.1 
 Release and
Settlement Agreement 
 1. Definitions. 
 1.1
“Affiliate” means an entity’s current direct or indirect parents, subsidiaries, predecessors, and successors together with their past and current officers, directors, employees, agents, and attorneys. 
 1.2 “Applicable Interest” means 59% of the actual interest that has been paid to Visa as a result of the investment by Visa of the Visa Settlement Fund in an
investment vehicle mutually agreed upon by Visa and Discover. 
 1.3 “Claim” means any and all manner of claims, demands, actions, causes of
action, suits, damages, punitive or exemplary damages, liabilities, judgments, debts, injunctive relief, claims over, accounts, warranties, liens, attorneys’ fees, costs or expenses, whether based in contract law, tort law, equity, statute,
regulation, or otherwise, whether state, federal, or local, known or unknown or asserted or unasserted. 
 1.4 “Control” or “Controlled”
means possessing directly or indirectly the power to vote five percent (5%) or more of any class of voting capital stock of a Person or to direct or cause the direction of the management or policies of a Person, whether through the ownership of
voting capital stock, by contract or otherwise. 
 1.5 “Dedication Agreement” means any agreement between Visa or MasterCard, on the one hand, and
a counterparty, on the other hand, under which the counterparty to the agreement with Visa or MasterCard receives valuable consideration in exchange for (i) volume on its Visa or MasterCard Payment Cards, or (ii) branding a certain portion
or amount of its Payment Cards as MasterCard or Visa cards. 
 1.6 “Discover” means Discover Financial Services, DFS Services, LLC, Discover Bank,
and their subsidiaries and Affiliates. 
 1.7 “Discover Financial Services Volume” means the total combined transaction volume from Discover
Payment Cards. 
 1.8 “Discover Mark” means any Mark now or in the future owned or licensed by Discover, its Affiliates or their successors and
assigns. 
 1.9 “Discover Network” means the Payment Card network owned or Controlled by Discover on which Discover Network-branded Payment Cards
are processed. 
 1.10 “Discover Payment Cards” means Payment Cards that are issued by Discover (including its successors and assigns), that bear a
Discover Mark, or that are transacted on (i) the Discover Network or any other Payment Card network owned or Controlled by Discover (including its successors and assigns), or (ii) any Payment Card network into which the foregoing networks
are merged, consolidated, or otherwise rendered interoperable. 

 Confidential Subject to Fed. R. Evid. 408 
 1.11 “Discover Released Claim” means any and all Claims that Discover asserted or could have asserted in the Litigation based in whole or in part on the
alleged illegality or tortious or otherwise actionable effect of the Visa Rules, the MasterCard Rules or any Visa and/or MasterCard act, omission or occurrence from the beginning of time through the Effective Date, including but not limited to any
alleged future losses, harms, or damages arising from the existence or operation of such Rules, act, omission, or occurrence through the Effective Date. With respect to Claims arising out of Dedication Agreements that are currently in effect (or
have expired or been terminated), “Released Claim” includes, without limitation, any Claim for alleged harm or damage arising out of the past, present, or future operation of such a Dedication Agreement through and including the date of
its natural expiration (i.e., its original date of expiration without regard to any extension or renewal of the Dedication Agreement that is entered into after the Effective Date). Notwithstanding the foregoing, except as provided in the
immediately preceding sentence with respect to Dedication Agreements, Discover Released Claims shall not include (i) any Claim subsequent to the Effective Date for injunctive relief; (ii) any Claim for damages incurred after the Effective
Date against any Visa Released Entity or MasterCard Released Entity arising from (X) the existence or operation of any conduct, contract, MasterCard Rule or Visa Rule put into effect after the Effective Date or (Y) any act or conduct
applicable to a contract, MasterCard Rule or Visa Rule that was in existence prior to the Effective Date that is inconsistent with Visa’s or MasterCard’s respective practice prior to the Effective Date; (iii) any Claim for damages
incurred after the Effective Date against any MasterCard Released Entity arising from the existence or operation of any MasterCard Rule that would prohibit MasterCard-branded debit cards from participating in PULSE in the United States, or the PULSE
Mark from appearing on the back of such cards after the Effective Date; or (iv) any Party’s Claim regardless of the legal theory upon which it is based, against any other Party for the alleged breach of or to seek the enforcement of this
Release and Settlement Agreement. 
 1.12 “Effective Date” means the latest of (i) the date that this Release and Settlement Agreement has
been duly executed by the Parties shown on the signature lines at the end of this Release and Settlement Agreement, (ii) the date on which Visa’s Class B shareholders approve this Release and Settlement Agreement by a two-thirds vote,
(iii) the date on which the Release and Settlement Agreement is approved by Visa’s Boards of Directors, (iv) the date on which the Release and Settlement Agreement is approved by MasterCard’s Board of Directors, or (v) the
date on which the Release and Settlement Agreement is approved by Discover’s Board of Directors. 
 1.13 “Execution Date” means the date that
this Release and Settlement Agreement has been executed by the Parties shown on the signature lines at the end of this Release and Settlement Agreement. 
 1.14 “Litigation” means Discover Financial Services, et al. v. Visa U.S.A. Inc., et al., Case No. 04-CV-07844 (S.D.N.Y.). 
 1.15
“Mark” means a word, name, design, symbol, or other device, or any combination thereof, which any entity adopts to identify its goods or services. 
 1.16 “MasterCard” means MasterCard Incorporated and MasterCard International Incorporated and their Affiliates. 
  

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 Confidential Subject to Fed. R. Evid. 408 
 1.17 “MasterCard Released Entities” means MasterCard and any entity that is or at the time of any of the events alleged in the Litigation was an issuer of
MasterCard Payment Cards or an acquirer for MasterCard, or otherwise admitted as a member of MasterCard. 
 1.18 “MasterCard Rules” means
(i) any limitation or restriction on the ability of a MasterCard issuer to issue Payment Cards on any network owned, Controlled or operated by Discover or a MasterCard acquirer to act as an acquirer for any network owned, Controlled or operated
by Discover, including but not limited to MasterCard’s Competitive Programs Policy and (ii) any other of MasterCard’s by-laws, operating regulations, rules, policies, practices, procedures, Dedication Agreements, or other agreements.

 1.19 “Payment Cards” means credit cards, debit cards, charge cards, prepaid cards, stored value cards, commercial cards, virtual cards, and
other payment transaction products or devices (including those that do not utilize a tangible card). 
 1.20 “Party” means each signatory to this
Release and Settlement Agreement. 
 1.21 “Performance Period” means each of the performance periods set forth in Schedule A attached hereto and
incorporated herein. 
 1.22 “Person” means an individual, corporation, partnership, limited liability company, estate, trust, common or collective
fund, association, private foundation, joint stock company or other entity. 
 1.23 “Visa” means Visa Inc. and its Affiliates and predecessors
including Visa U.S.A. Inc. and Visa International Service Association. 
 1.24 “Visa Released Entities” means Visa, Visa Europe and any entity that
is or at the time of any of the events alleged in the Litigation was an issuer of Visa or Visa Europe Payment Cards, an acquirer for Visa or Visa Europe, or otherwise admitted as a member of Visa. 
 1.25 “Visa Rules” means (i) any limitation or restriction on the ability of a Visa issuer to issue Payment Cards on any network owned, Controlled or
operated by Discover or a Visa acquirer to act as an acquirer for any network owned, Controlled or operated by Discover, including but not limited to By-Law 2.10(e) and (ii) any other of Visa’s by-laws, operating regulations, rules,
policies, practices, procedures, Dedication Agreements, or other agreements. 
 1.26 “Visa Settlement Fund” means the amount of $1,887,500,000.

 2. Release. 
 2.1 Discover represents and warrants
that as of the date of this Release and Settlement Agreement (i) it is not aware of any Claims against the Released Parties other than the Claims released by this Release and Settlement Agreement and (ii) it has no present intention to
make any Claim against Visa or MasterCard. 
  

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 Confidential Subject to Fed. R. Evid. 408 
 2.2 Visa represents and warrants that as of the date of this Release and Settlement Agreement (i) it is not aware of any Claims against Discover and (ii) it
has no present intention to make any Claim against Discover. 
 2.3 MasterCard represents and warrants that as of the date of this Release and Settlement
Agreement (i) it is not aware of any Claims against Discover and (ii) it has no present intention to make any Claim against Discover. 
 2.4 In
consideration of Visa’s and MasterCard’s obligations herein, including as set forth in paragraph 3 below, Discover hereby totally releases and discharges the Visa Released Entities and the MasterCard Released Entities from any and all
Discover Released Claims. 
 2.5 The Parties hereby warrant and represent that they are familiar with the provisions of California Civil Code
Section 1542, and knowingly, voluntarily, intentionally and expressly waive any and all rights and benefits conferred by California Civil Code Section 1542 and any law of any state or territory of the United States or any foreign country
or principle of common law that is similar to Section 1542. Section 1542 states: 
 A general release does not extend to claims
which the creditor does not know or suspect exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor. 
 3. Payments. 
 3.1 In consideration for the foregoing releases in paragraph 2, MasterCard will pay to Discover $862.5
million on or before November 14, 2008. 
 3.2 In consideration for the foregoing release, Visa shall pay to Discover as follows: Four (4) payments
as set forth herein, contingent on the performance of Discover Financial Services Volume. The amount of each of the first 3 payments will be 5% of the Discover Financial Services Volume for the Performance Period in which the payment is due up to
the maximum amount for such Performance Period as set forth in Schedule A, provided however that if the payment for any of the first 3 Performance Periods is less than the applicable maximum payment for such Performance Period, the maximum payment
for a future Performance Period or Periods shall be increased by the difference between the applicable maximum payment and such lesser amount as was actually due. The amount of the fourth payment will be 21% of the Discover Financial Services Volume
for the final Performance Period set forth in Schedule A up to the maximum amount set forth in Schedule A (subject to adjustment in accordance with the preceding sentence) (plus Applicable Interest on the balance of the Visa Settlement Fund for the
period between November 14 and the date of final payment) minus an amount equal to the difference, if any, between $1,415,625,000 and the actual amounts earned based on the performance of the Discover Financial Services Volume for each of the
first three Performance Periods. Notwithstanding anything herein to the contrary, the maximum amount of the four (4) payments due from Visa is $1,887,500,000 plus Applicable Interest thereon for the period from November 14, 2008 through
the date of final payment. 
 3.3 All such payments shall be made by wire transfer to the account designated by Discover in accordance with the notice
provision herein. 
  

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 Confidential Subject to Fed. R. Evid. 408 
 3.4 If the amounts required to be paid pursuant to paragraph 3 of this Release and Settlement Agreement above are not paid as required, Discover may, at its option,
commence an arbitration to collect such payments or declare a default of this Release and Settlement Agreement by the Party that has failed to make the required payment (the “Defaulting Party”). The Defaulting Party will have 30 days from
receipt of any notice of default to cure such default by making the required payment. If the Defaulting Party fails to cure any default in the time provided, Discover, at its sole election, may declare this Release and Settlement Agreement null and
void with respect to the Defaulting Party and, upon returning all settlement payments previously received from the Defaulting Party, Discover shall be entitled to reassert the Released Claims against the Visa Released Entities (if Visa is the
Defaulting Party) or against the MasterCard Released Entities (if MasterCard is the Defaulting Party) to the full extent that such Released Claims could have been pursued in the absence of this Release and Settlement Agreement and any statute of
limitations defense arising as a result of this Release and Settlement Agreement or its implementation is waived. For the avoidance of doubt, in the event of such termination, the Visa Released Entities and the MasterCard Released Entities reserve
the right to assert all statute of limitations defenses against Released Claims that they would have been able to assert in the absence of this Release and Settlement Agreement or its implementation, except that the applicable statutes of
limitations shall be tolled for a period from the Effective Date until 90 days following Discover’s declaration of a default of this Release and Settlement Agreement. 
 4. Other Provisions. 
 4.1 The Parties hereto shall use their best efforts to obtain all necessary approvals of this
Release and Settlement Agreement, and to transmit copies of all such approvals to counsel for the signatories hereto, within 30 days of the Execution Date. This Release and Settlement Agreement shall take effect on the Effective Date. 
 4.2 Within seven days after the Effective Date, Discover shall dismiss the Litigation without prejudice, except that such dismissal shall have the effect of dismissal
with prejudice with respect to any Party upon Discover’s receipt of all settlement payments due from such Party pursuant to paragraph 3 of this Release and Settlement Agreement. 
 4.3 The Visa Released Entities and MasterCard Released Entities who do not appear on the signature lines below are acknowledged and agreed to be third-party beneficiaries of this Release and Settlement Agreement and
have the same rights to enforce this Release and Settlement Agreement as the signatories hereto. 
 4.4 Except as expressly provided in this Release and
Settlement Agreement, this Release and Settlement Agreement is not intended to create, and does not create, any third-party beneficiary rights. 
 4.5 Any
question or dispute arising from or relating to this Release and Settlement Agreement shall be exclusively resolved by binding arbitration pursuant to the rules of the International Chamber of Commerce. Any such arbitration shall be governed by the
law of the State of New York, without regard to its choice of law rules, and shall take place in New York, New York, Chicago, Illinois, or San Francisco, California, with the venue to be selected by the Party responding to the arbitration
proceeding. 
  

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 Confidential Subject to Fed. R. Evid. 408 
 4.6 For a period of five years from the Effective Date, all disputes between Discover on the one hand and Visa or MasterCard on the other not arising from or relating to
this Release and Settlement Agreement shall be subject to a dispute resolution format that includes: (i) written notice and an opportunity to cure; and (ii) a designation by the Parties of one or more Senior Executives or their CEOs to
make good faith efforts promptly to resolve all such disputes, prior to any Party instituting litigation against the other. 
 4.7 The Parties acknowledge
and agree that, except for any agreements to which Discover is not a Party, this Release and Settlement Agreement constitutes the sole and only agreement between the Parties with respect to the subject matter hereof and that it correctly sets forth
the rights, duties, and obligations of each Party to each other Party as of the Effective Date. 
 4.8 This Release and Settlement Agreement may be executed
in counterparts with the same force and effect as if executed in one complete and original document. 
 4.9 This Release and Settlement Agreement may be
amended or superseded only by a written agreement duly executed by all of the signatories hereto, and such amendments and superseding agreements, if any, may not affect or prejudice the rights and/or benefits accruing to the Visa Released Entities
or MasterCard Released Entities. 
 4.10 The Parties agree to work in good faith to coordinate the timing of any public announcement regarding the existence
or terms of this Release and Settlement Agreement. In any public statements regarding the Release and Settlement Agreement or the Claims asserted in the Litigation, no Party will discuss the merits of such Claims or disparage any other Party,
provided that the foregoing is not intended to restrict discussion of the nature of such Claims, of facts already in the public domain, of existing published legal decisions or any disclosure required by law. 
 4.11 Notices 
 All notices to be provided under this Release and Settlement
Agreement must be in writing and addressed as follows: 
 If to Discover: 
 DFS Services, LLC 
 Attn: General Counsel

 Law and Compliance Department 
 2500 Lake Cook Road 
 Riverwoods, IL 60015 Facsimile: (224) 405-4244 
 Email: kellymcnamaracorley@discover.com 
  

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 Confidential Subject to Fed. R. Evid. 408 
 If to Visa: 
 Visa Inc. 
 Attn: General Counsel 
 P.O. Box 8999 
 San Francisco, CA 94128-8999 
 Facsimile: (650) 432-7436 
 Email: jfloum@visa.com 
 If to MasterCard: 
 Noah J. Hanft 
 MasterCard Worldwide 
 General Counsel, Chief Franchise Officer and Corporate Secretary 
 2000 Purchase Street 
 Purchase, NY 10577-2509 
 Email: noah_hanft@mastercard.com 
 Facsimile: (914) 249-4262 
 IN WITNESS WHEREOF, the Parties hereto have duly executed this Release and Settlement Agreement as of the 27th day of 
 October, 2008. 
  

											
	Discover	  	 	 	 	  	Visa	  	 	 	 
	 		 			 
	By:	  	 /s/ David W. Nelms
	 	 	  	By:	  	 /s/ Joshua R. Floum
	 	 
	 		 			 
	Title:	  	 Chief Executive Officer
	 	 	  	Title:	  	General Counsel	 	 
	 		 			 
	Date:	  	 October 27, 2008
	 	 	  	Date:	  	October 27, 2008	 	 
	 		 		 
	 	  		 	 	  	MasterCard	  	 
	 		 			 
	 	  		 	 	  	By:	  	/s/ Noah J. Hanft	 	 
	 		 			 
	 	  		 	 	  	Title:	  	General Counsel and Chief Franchise Officer	 	 
	 		 			 
	 	  		 	 	  	Date:	  	October 27, 2008	 	 
	 		 			 
	 	  	 	 	 	  	 	  	 	 	 

  

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 Confidential Subject to Fed. R. Evid. 408 
 Settlement Communication Subject to Fed. R. Evid. 408 
 SCHEDULE A 
  

							
	 Payment Date
	 	 Maximum Payment
	 	 Performance Period
	 	 Target
 (% of Discover
 Financial Services Volume)

	 12/15/2008
	 	471,875,000	 	12/1/2008 - 2/28/2009	 	5%
	 3/13/2009
	 	471,875,000	 	3/1/2009 - 5/31/2009	 	5%
	 6/15/2009
	 	471,875,000	 	6/1/2009 - 8/31/2009	 	5%
	 9/28/2009
	 	471,875,000	 	9/1/2009 - 9/21/2009	 	21%

  

 8Agreement dated as of October 27, 2008

 Subject to Fed. R. Evid. 408 
 Exhibit 10.2 
 Agreement 
 This Agreement (the “Agreement”) is made, as of October 27, 2008 (the “Effective Date”), between Morgan Stanley, Visa Inc.
(“Visa”) and MasterCard Incorporated (“MasterCard”) (collectively the “Parties,” and each a “Party”). 
 WHEREAS, Visa and MasterCard contemplate entering into a settlement agreement with Discover Financial Services, Inc. and certain of its affiliates (“Discover”) to resolve Discover Financial Services, et al. v. Visa U.S.A. Inc.,
et al., Case No. 04-CV-07844 (S.D.N.Y.) (the “Litigation”); and 
 WHEREAS, pursuant to the Separation and Distribution
Agreement by and Between Morgan Stanley and Discover Financial Services dated as of June 29, 2007 (the “Separation Agreement”), Morgan Stanley is entitled to receive from Discover a portion of the proceeds of such settlement; and

 WHEREAS, to facilitate a settlement of the Litigation and its receipt of funds pursuant to the Separation Agreement, Morgan Stanley has
agreed to make certain payments to Visa and MasterCard as set forth herein. 
 NOW, THEREFORE, in consideration of the premises and the
mutual covenants and agreements contained herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree, intending to be legally bound, as follows. 
  

	1.	Condition Precedent. This Agreement is conditioned upon the execution by Visa, MasterCard, and Discover of a settlement agreement in the Litigation pursuant to which Visa and
MasterCard will make settlement payments to Discover totaling $2.75 billion (such settlement an “Applicable Settlement” and the agreement memorializing such settlement the “Applicable Settlement Agreement”). In the event that no
such Applicable Settlement is reached before December 15, 2008 this Agreement shall be null and void and of no further effect, except that the provisions relating to confidentiality of paragraph 7 shall continue in full force and effect.

  

	2.	Notice by Visa and MasterCard. In order to facilitate the payments by Morgan Stanley set forth in paragraph 3, not less than 48 hours prior to making any payment pursuant to
an Applicable Settlement, (i) Visa shall provide notice of the dates and times on which it will make its settlement payments to Discover (each a “Visa Payment Time”) and of the account to which the payments to Visa by Morgan Stanley
contemplated by paragraph 3 shall be made; and (ii) MasterCard shall provide notice of the date and time on which it will make its settlement payment to Discover (the “MasterCard Payment Time”) and of the account to which the payment
to MasterCard by Morgan Stanley contemplated by paragraph 3 shall be made. 

  

	3.	 Payments by the Parties. Each Party will make payments as set forth in this 

  

 1 

 Subject to Fed. R. Evid. 408 
  

	 	paragraph: (i) at each Visa Payment Time, Visa shall pay that portion of $1,887,500,000 required by the Applicable Settlement Agreement to the account designated by Discover in
the Applicable Settlement Agreement; (ii) at each Visa Payment Time, Morgan Stanley shall pay a sum determined by multiplying the contemporaneous Visa payment to Discover by a fraction, the numerator of which is 65,000,000 and the denominator
of which is 1,887,500,000, to the account designated by Visa; (iii) at the MasterCard Payment Time, MasterCard shall pay $862,500,000 million to the account designated by Discover in the Applicable Settlement Agreement; and (iv) at the
MasterCard Payment Time, Morgan Stanley shall pay $35,000,000 to the account designated by MasterCard. For the avoidance of doubt, the total of all payments by Morgan Stanley pursuant to this Agreement shall not exceed $35,000,000 paid to MasterCard
and $65,000,000 paid to Visa. 

  

	4.	Tax and Accounting Treatment. Except as otherwise required by applicable law or accounting standards, each Party agrees to treat and report for all tax and accounting
purposes the $65 million and $35 million paid hereunder by Morgan Stanley to Visa and MasterCard, respectively, as a reduction in the Applicable Settlement amounts paid by Visa and MasterCard to Discover, respectively, under the Applicable
Settlement Agreement. 

  

	5.	No Third-Party Beneficiaries. This Agreement is made and shall be binding on and inure solely to the benefit of the Parties and their respective successors or permitted
assigns but otherwise confers no rights or defenses upon any non-Party. A Party may not assign any of its obligations under this Agreement to another person or entity without the written consent of each other Party. Subject to the foregoing, each
Party shall require any entity(ies) that, as a result of any merger, purchase of assets, reorganization or other transaction, acquires or succeeds to all or substantially all of the business or assets of such Party to assume the obligations of such
Party under this Agreement pursuant to a written assumption agreement in form and substance reasonably satisfactory to the other Parties. 

  

	6.	Governing Law. This Agreement shall be governed by and interpreted in accordance with the laws of the State of Delaware, without regard to its conflicts of law principles.
All Parties hereby agree that this Agreement is consistent with public policy. 

  

	7.	Confidentiality. The Parties agree to work in good faith to coordinate the timing of any public announcement regarding the existence or terms of this Agreement.

  

	8.	Interpretation. For purposes of interpretation, this Agreement shall be deemed to have been drafted by the Parties equally and no ambiguity shall be resolved against any
Party by virtue of their participation in the drafting of this Agreement. 

  

	9.	 Integrated Agreement. The Parties acknowledge and agree that, except for any agreements to which Morgan Stanley is not a Party, this Agreement constitutes
the sole and only agreement between the Parties with respect to the subject matter 

  

 2 

 Subject to Fed. R. Evid. 408 
  

	 	hereof and that it correctly sets forth the rights, duties, and obligations of each Party to each other Party as of the Effective Date. 

  

	10.	Assignability. No Party may assign all or any of its rights or obligations under this Agreement without the express written consent of the other Parties. This Agreement shall
apply to and bind the Parties and their respective successors in interest, including any entity succeeding to or acquiring a controlling interest in any significant, wholly-owned business division of a Party or a significant portion of the
Party’s assets. 

  

	11.	Counterparts. This Agreement may be executed in counterparts with the same force and effect as if executed in one complete and original document. 

  

	12.	Severability. If any section or clause of this Agreement is found to be illegal or invalid or unenforceable for any reason, it shall be deemed to be modified to the minimum
extent necessary to cure such illegality, invalidity, or unenforceability and the remaining sections and clauses of this Agreement will remain in full force and effect. 

  

	13.	Approvals. Each Party affirms for the other Parties that no further approvals of or votes on this Agreement are required. 

  

					
	 Visa Inc., Visa U.S.A. Inc., and Visa
 International
Service Association
	  		  	 Morgan Stanley
 By:

			
	 By: /s/
Joshua R. Floum                                     
                    
	  		  	By: /s/ Eric
Grossman                                        
                
	 Joshua R. Floum
	  		  	Eric Grossman
	 General Counsel and Corporate Secretary
 Visa Inc.
	  		  	 Managing Director and Global Head of
 Litigation

	 Dated: October 27, 2008
	  		  	Morgan Stanley
		  		  	Dated: October 27, 2008
			
	 MasterCard International Incorporated
 and MasterCard Incorporated
	  		  	
			
	 By: /s/ Noah J.
Hanft                                        
                    
	  		  	
	 Noah J. Hanft
	  		  	
	 General Counsel, Chief Franchise Officer
 & Corporate Secretary
	  		  	
	 MasterCard Incorporated
	  		  	
	 Dated: October 27, 2008
	  		  	

  

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