Document:

Exhibit 10.1

 EXHIBIT 10.1 
  
 NINTH AMENDMENT TO LOAN AND SECURITY AGREEMENT 
  
 THIS NINTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”) is made and entered into and, except as
provided in Sections 2(a) and (c) hereof, effective as of July 11, 2005, by and among THE ROWE COMPANIES, a Nevada corporation, ROWE DIVERSIFIED, INC., a Delaware corporation, ROWE FURNITURE WOOD PRODUCTS, INC., a
California corporation, ROWE PROPERTIES, INC., a California corporation, STOREHOUSE, INC., a Georgia corporation, and ROWE FURNITURE, INC., a Virginia corporation (hereinafter referred to collectively as “Borrowers”
and individually as a “Borrower”), the various financial institutions (collectively, “Lenders”) named in the Loan Agreement (as defined below), and FLEET CAPITAL CORPORATION, a Rhode Island corporation, in its
capacity as collateral and administrative agent for itself and Lenders (together with its successors in such capacity, “Agent”). 
  
 Recitals: 
  
 Agent, Lenders and Borrowers are parties to that certain Loan and Security Agreement dated May 15, 2002, as amended by that certain letter amendment dated
as of June 17, 2002, that certain Second Amendment to Loan and Security Agreement dated October 10, 2002, that certain Third Amendment to Loan and Security Agreement dated February 28, 2003, that certain Fourth Amendment to Loan and Security
Agreement dated April 3, 2003, that certain Fifth Amendment to Loan and Security Agreement dated November 30, 2003, that certain Sixth Amendment to Loan and Security Agreement dated September 23, 2004, that certain Seventh Amendment to Loan and
Security Agreement made, entered into and, except as provided in Sections 2(c) and 2(e) thereof, effective as of February 24, 2005, and that certain letter agreement dated April 14, 2005 (as so amended, the “Loan Agreement”), pursuant to
which Lenders have made certain revolving credit and term loans and other financial accommodations to Borrowers. 
  
 The parties desire to amend the Loan Agreement as hereinafter set forth. 
  
 NOW, THEREFORE, for TEN DOLLARS ($10.00) in hand paid and other good and valuable consideration, the receipt and sufficiency
of which are hereby severally acknowledged, the parties hereto, intending to be legally bound hereby, agree as follows: 
  
 1. Definitions. All capitalized terms used in this Amendment, unless otherwise defined herein, shall have the meaning ascribed to such terms
in the Loan Agreement. 

 2. Amendments to Loan Agreement. The Loan Agreement is hereby amended as follows:

  
 (a) Effective as of December 1, 2002, by deleting Section
9.2.9 of the Loan Agreement and by substituting in lieu thereof the following: 
  
 9.2.9. Capital Expenditures: Make Capital Expenditures (including expenditures by way of capitalized leases but excluding (i) the
effect of any SunTrust Lease Adjustment and (ii) amounts expensed to repair or restore damaged or destroyed Equipment or Real Estate, to the extent of insurance or condemnation proceeds received for application (and actually applied for such purpose
pursuant to Section 7.1.2(ii) hereof)) which in the aggregate, as to all Borrowers and their Subsidiaries, exceed $4,300,000 during Borrowers’ 2002 Fiscal Year, $5,000,000 during Borrowers’ 2003 Fiscal Year, $9,000,000 during
Borrowers’ 2004 Fiscal Year, $2,600,000 during Borrowers’ Fiscal Quarter ending on or about February 27, 2005, $5,000,000 during Borrowers’ two Fiscal Quarters ending on or about May 31, 2005, $7,500,000 during Borrowers’ three
Fiscal Quarters ending on or about August 31, 2005, $8,800,000 during Borrowers’ 2005 Fiscal Year or $7,000,000 during any Fiscal Year of Borrowers thereafter; provided, however, in no event shall Capital Expenditures that affect
cash, as to all Borrowers and their Subsidiaries, exceed an aggregate amount of $3,800,000 during Borrowers’ two Fiscal Quarters ending on or about May 31, 2005, $4,800,000 during Borrowers’ three Fiscal Quarters ending on or about August
31, 2005 or $5,900,000 during Borrower’s 2005 Fiscal Year. 
  
 (b) By deleting Section 9.3.3 of the Loan Agreement and by substituting in lieu thereof the following: 
  
 9.3.3 Consolidated Leverage Ratio. Maintain a Consolidated Leverage Ratio of not more than the ratio set forth below for the period
corresponding thereto: 
  

			
	 Period

	  	Ratio

	 The 4 Fiscal Quarters ending June 2, 2002
	  	9.0 to 1.0
		
	 The 4 Fiscal Quarters ending September 1, 2002
	  	8.5 to 1.0
		
	 The 4 Fiscal Quarters ending December 1, 2002
	  	6.5 to 1.0
		
	 The 4 Fiscal Quarters ending March 2, 2003
	  	5.5 to 1.0
		
	 The 4 Fiscal Quarters ending June 1, 2003
	  	5.0 to 1.0

  

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	 The 4 Fiscal Quarters ending August 31, 2003
	  	4.5 to 1.0
		
	 The 4 Fiscal Quarters ending November 30, 2003
	  	4.0 to 1.0
		
	 The 4 Fiscal Quarters ending on or about February 29, 2004
	  	4.0 to 1.0
		
	 The 4 Fiscal Quarters ending on or about May 31, 2004
	  	3.75 to 1.0
		
	 The 4 Fiscal Quarters ending on or about August 31, 2004
	  	3.5 to 1.0
		
	 The 4 Fiscal Quarters ending on or about November 30, 2004
	  	3.5 to 1.0
		
	 The 4 Fiscal Quarters ending on or about February 28, 2005
	  	8.25 to 1.0
		
	 The 4 Fiscal Quarters ending on or about February 28, 2006 and ending on the last day of each Fiscal Quarter thereafter
	  	3.5 to 1.0

  
 (c) Effective as of
December 31, 2004, by deleting Section 9.3.4 of the Loan Agreement and by substituting in lieu thereof the following: 
  
 9.3.4. Consolidated EBITDA. Achieve Consolidated EBITDA of not less than the amount set forth below for the period corresponding
thereto: 
  

					
	 Period

	  	Consolidated
EBITDA

	 
	 4-month period ending March 31, 2005
	  	$	(3,800,000	)
		
	 5-month period ending April 30, 2005
	  	$	(4,300,000	)
		
	 6-month period ending May 31, 2005
	  	$	(4,300,000	)
		
	 1-month period ending June 30, 2005
	  	$	200,000	 

  

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	 2-month period ending July 31, 2005
	  	$	300,000
		
	 3-month period ending August 31, 2005
	  	$	500,000
		
	 4-month period ending September 30, 2005
	  	$	1,800,000
		
	 5-month period ending October 31, 2005
	  	$	2,700,000
		
	 6-month period ending November 30, 2005
	  	$	3,600,000

  
 (d) By deleting the
definition of “Inventory Formula Amount” in Appendix A to the Loan Agreement and by substituting in lieu thereof the following: 
  
 Inventory Formula Amount - on any date of determination thereof, an amount equal to the lesser of (i) the lesser of (a) $24,000,000
during the period commencing on May 27, 2005 and ending on July 31, 2005, $23,000,000 during the period commencing on August 1, 2005 and ending on August 31, 2005 and $22,000,000 at all other times or (b) 90% (or such lesser percentage as Agent may
in its reasonable credit judgment determine from time to time) of the net liquidation value of Eligible Inventory (as determined from time to time based upon appraisals conducted by Ozer Valuation Services or such other independent appraisers
acceptable to Agent) or (ii) the sum of (a) 16% (or such lesser percentage as Agent may in its reasonable credit judgment determine from time to time) of the Value of Eligible Inventory on such date consisting of raw materials plus (b) the lesser of
(1) $2,000,000 or (2) 45% (or such lesser percentage as Agent may in its reasonable credit judgment determine from time to time) of the Value of Eligible Inventory on such date consisting of work-in-process plus (c) 71% (or such lesser percentage as
Agent may in its reasonable credit judgment determine from time to time) of the Value of Eligible Inventory on such date consisting of retail and manufactured finished goods. 
  
 3. Ratification and Reaffirmation. Each Borrower hereby ratifies and reaffirms the Obligations, each of the
Loan Documents and all of such Borrower’s covenants, duties, indebtedness and liabilities under the Loan Documents. 
  
 4. Acknowledgments and Stipulations. Each Borrower acknowledges and stipulates that the Loan Agreement and the other Loan Documents executed
by such Borrower 

  

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are legal, valid and binding obligations of such Borrower that are enforceable against such Borrower in accordance with the terms thereof; all of the
Obligations are owing and payable without defense, offset or counterclaim (and to the extent there exists any such defense, offset or counterclaim on the date hereof, the same is hereby waived by such Borrower); the security interests and liens
granted by such Borrower in favor of Agent are duly perfected, first priority security interests and liens (except as otherwise explicitly provided in the Loan Agreement); and on and as of July 8, 2005, the unpaid principal amount of the Revolver
Loans totaled $23,269,912.98 and the unpaid principal amount of the Term Loan totaled $2,000,000.00. 
  
 5. Representations and Warranties. Each Borrower represents and warrants to Agent and Lenders, to induce Agent and Lenders to enter into
this Amendment, that, except for the Designated Defaults referenced in Section 3 above, no Default or Event of Default exists on the date hereof; the execution, delivery and performance of this Amendment have been duly authorized by all requisite
corporate action on the part of such Borrower and this Amendment has been duly executed and delivered by such Borrower; and all of the representations and warranties made by such Borrower in the Loan Agreement are true and correct on and as of the
date hereof. 
  
 6. Reference to Loan Agreement.
Upon the effectiveness of this Amendment, each reference in the Loan Agreement to “this Agreement,” “hereunder,” or words of like import shall mean and be a reference to the Loan Agreement, as amended by this Amendment.

  
 7. Breach of Amendment. This Amendment shall be
part of the Loan Agreement and a breach of any representation, warranty or covenant herein shall constitute an Event of Default. 
  
 8. Amendment Fee; Expenses of Agent and Lenders. In consideration of Agent’s and Lenders’ willingness to enter into this
Amendment, Borrowers jointly and severally agree to pay to Agent, for the Pro Rata benefit of Lenders, an amendment fee in an amount equal to $21,875. Additionally, Borrowers jointly and severally agree to pay, on demand, all costs and
expenses incurred by Agent and Lenders in connection with the preparation, negotiation and execution of this Amendment and any other Loan Documents executed pursuant hereto and any and all amendments, modifications, and supplements thereto,
including, without limitation, the costs and fees of Agent’s and Lenders’ legal counsel and any taxes or expenses associated with or incurred in connection with any instrument or agreement referred to herein or contemplated hereby.

  
 9. Effectiveness; Governing Law. This Amendment
shall be effective upon acceptance by Agent and Lenders (notice of which acceptance each Borrower hereby waives), whereupon the same shall be governed by and construed in accordance with the internal laws of the State of Georgia. 
  
 10. Successors and Assigns. This Amendment shall be binding
upon and inure to the benefit of the parties hereto and their respective successors and assigns. 
  
 11. No Novation, etc. Except as otherwise expressly provided in this Amendment, nothing herein shall be deemed to amend or modify any
provision of the Loan Agreement or any 

  

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of the other Loan Documents, each of which shall remain in full force and effect. This Amendment is not intended to be, nor shall it be construed to create,
a novation or accord and satisfaction, and the Loan Agreement as herein modified shall continue in full force and effect. 
  
 12. Counterparts; Telecopied Signatures. This Amendment may be executed in any number of counterparts and by different parties to this
Amendment on separate counterparts, each of which, when so executed, shall be deemed an original, but all such counterparts shall constitute one and the same agreement. Any signature delivered by a party by facsimile transmission shall be deemed to
be an original signature hereto. 
  
 13. Further
Assurances. Each Borrower agrees to take such further actions as Agent or Lenders shall reasonably request from time to time in connection herewith to evidence or give effect to the amendments set forth herein or any of the transactions
contemplated hereby. 
  
 14. Section Titles. Section
titles and references used in this Amendment shall be without substantive meaning or content of any kind whatsoever and are not a part of the agreements among the parties hereto. 
  
 15. Waiver of Jury Trial. To the fullest extent permitted by Applicable Law, the parties hereto each hereby waives
the right to trial by jury in any action, suit, counterclaim or proceeding arising out of or related to this Amendment. 
  
 [Signatures commence on following page] 
  

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 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed under seal and
delivered by their respective duly authorized officers on the date first written above. 
  

					
	 	 	 THE ROWE COMPANIES

	 ATTEST:
	 	 (“Borrower”)

			
	 /s/ Garry W. Angle

	 	 By:
	 	 /s/ Gerald M. Birnbach

	 Garry W. Angle, Assistant Secretary
	 	 	 	 Gerald M. Birnbach,

	 [CORPORATE SEAL]
	 	 	 	 Chairman of the Board and President

		
	 	 	ROWE DIVERSIFIED, INC.
	 ATTEST:
	 	 (“Borrower”)

			
	 /s/ Deborah C. Jacks

	 	 By:
	 	 /s/ Gerald M. Birnbach

	 Debbie Jacks, Secretary
	 	 	 	 Gerald M. Birnbach,

	 [CORPORATE SEAL]
	 	 	 	 Chairman of the Board and President

		
	 	 	ROWE FURNITURE WOOD PRODUCTS, INC.
	 ATTEST:
	 	 (“Borrower”)

			
	 /s/ Garry W. Angle

	 	 By:
	 	 /s/ Gerald M. Birnbach

	 Garry W. Angle, Assistant Secretary
	 	 	 	 Gerald M. Birnbach,

	 [CORPORATE SEAL]
	 	 	 	 Chairman of the Board and President

		
	 	 	ROWE PROPERTIES, INC.
	 ATTEST:
	 	 (“Borrower”)

			
	 /s/ Garry W. Angle

	 	 By:
	 	 /s/ Gerald M. Birnbach

	 Garry W. Angle, Assistant Secretary
	 	 	 	 Gerald M. Birnbach,

	 [CORPORATE SEAL]
	 	 	 	 Chairman of the Board and President

  
 [Signatures continued
on following page] 
  

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	 	 	STOREHOUSE, INC.
	 ATTEST:
	 	 (“Borrower”)

			
	 /s/ Garry W. Angle

	 	 By:
	 	 /s/ Gerald M. Birnbach

	 Garry W. Angle, Assistant Secretary
	 	 	 	Gerald M. Birnbach,
	 [CORPORATE SEAL]
	 	 	 	 Chairman of the Board

			
	 	 	 	 	ROWE FURNITURE, INC.
	 ATTEST:
	 	 	 	 (“Borrower”)

			
	 /s/ Garry W. Angle

	 	 By:
	 	 /s/ Gerald M. Birnbach

	 Garry W. Angle, Assistant Secretary
	 	 	 	Gerald M. Birnbach,
	 [CORPORATE SEAL]
	 	 	 	 Chairman of the Board

		
	 	 	 LENDERS:

		
	 	 	FLEET CAPITAL CORPORATION
(“Lender”)
			
	 	 	 By:
	 	 /s/ Douglas Cowan

	 	 	 Title:
	 	 Vice President

		
	 	 	THE CIT GROUP/COMMERCIAL SERVICES, INC.
	 	 	 (“Lender”)

			
	 	 	 By:
	 	 /s/ Jeffrey Lew

	 	 	 Title:
	 	 Vice President

		
	 	 	 AGENT:

		
	 	 	 FLEET CAPITAL CORPORATION, as Agent

	 	 	 (“Agent”)

			
	 	 	 By:
	 	 /s/ Douglas Cowan

	 	 	 Title:
	 	 Vice President

  
  

 8Exhibit 10.2

			
	 Execution Copy
	 	EXHIBIT 10.2

  
 FOURTH OMNIBUS
AMENDMENT 
  
 This Fourth Omnibus Amendment, dated as of July
11, 2005 (this “Amendment”), is among ROWE FURNITURE, INC., a Virginia corporation (“Rowe Furniture”), THE ROWE COMPANIES, a Nevada corporation (“Rowe Companies”), ROWE PROPERTIES, INC., a
California corporation, STOREHOUSE, INC., a Georgia corporation, ROWE DIVERSIFIED, INC., a Delaware corporation, and ROWE FURNITURE WOOD PRODUCTS, INC. (formerly known as The Wexford Collection, Inc.), a California corporation
(“Guarantors”), ATLANTIC FINANCIAL GROUP, LTD., a Texas limited partnership (the “Lessor”), certain financial institutions parties hereto as a lender (individually, a “Lender” and collectively, the
“Lenders”) and SUNTRUST BANK (as successor to Crestar Bank), a Georgia banking corporation, as agent for the Lenders (in such capacity, the “Agent”). 
  
 BACKGROUND 
  
 1. Rowe Furniture, the Guarantors, The Mitchell Gold Co. (subsequently released from its obligations thereunder), the Lessor, the Lenders and the Agent
entered into that certain Master Agreement, dated as of August 27, 1999, as amended by the First Modification to Synthetic Lease Financing Operative Documents, dated as of October 11, 2000, by the Omnibus Amendment, dated as of May 15, 2002, and by
the Second Omnibus Amendment, dated as of December 1, 2003, the Third Omnibus Amendment, dated as of February 24, 2005, and that certain letter agreement dated April 18, 2005 (the “Master Agreement”). 
  
 2. The parties hereto desire to amend the Master Agreement and certain of the
other Operative Documents. 
  
 NOW, THEREFORE, for good and
valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows: 
  
 SECTION 1 Definitions. Capitalized terms used in this Amendment and not otherwise defined herein shall have the meanings assigned thereto in the
Master Agreement. 
  
 SECTION 2 Covenants From Fleet Loan
Agreement. The parties hereto hereby agree that the covenants and continuing agreements set forth in Sections 9.2.9 and 9.3 of the Fleet Loan Agreement (as hereinafter defined), together with the defined terms used therein, each as in effect on
the date hereof, are hereby incorporated by reference as if fully set forth herein. In the event that the Fleet Loan Agreement is amended or terminated after the date hereof, Rowe Furniture shall promptly notify the Agent thereof in writing, which
notice shall be accompanied by the form of such amendment or of any replacement loan or credit agreement, as applicable. If requested by the Required Funding Parties, those portions of the amendment to, or replacement of, the Fleet Loan Agreement as
are designated by the Required Funding Parties shall amend or replace the covenants incorporated herein by reference. Unless amended or replaced pursuant to 

  

 1 

 Execution Copy 
  

 
the foregoing sentence, or otherwise with the written agreement of the Required Funding Parties, the covenants and definitions incorporated herein by
reference shall be those covenants and definitions as they exist on the date of this Amendment, and shall continue as such, notwithstanding any subsequent amendment or waiver thereof, or any subsequent termination of the Fleet Loan Agreement.

  
 SECTION 3 Definitions. The definition of “Fleet
Loan Agreement” set forth in Appendix A to the Master Agreement is hereby deleted, and the following shall be substituted therefore, in appropriate alphabetical order: 
  
 “Fleet Loan Agreement” means the Loan and Security Agreement, dated as of May 15, 2002, among The Rowe
Companies, Rowe Diversified, Inc., Rowe Furniture Wood Products, Inc., Rowe Properties, Inc., Storehouse, Inc., Rowe Furniture, Inc., The Mitchell Gold Co. (subsequently released from its obligations thereunder), the various financial institutions
party thereto and Fleet Capital Corporation, as Agent, as amended by that certain letter amendment dated as of June 17, 2002, the Second Amendment to Loan and Security Agreement dated October 10, 2002, the Third Amendment to Loan and Security
Agreement dated February 28, 2003, the Fourth Amendment to Loan and Security Agreement dated April 2, 2003, the Fifth Amendment to Loan and Security Agreement dated as of November 30, 2003, the Sixth Amendment to Loan and Security Agreement dated as
of September 23, 2004, the Seventh Amendment to Loan and Security Agreement dated as of February 24, 2005, the letter agreement dated April 14, 2005, and the Ninth Amendment to Loan and Security Agreement dated as of the date hereof. 
  
 SECTION 4 Modification Fee. The Lessee shall pay to the Agent, for its
own account, a modification fee in the amount of $20,000 in immediately available funds on the date hereof, and all other costs and expenses incurred by the Agent in connection with the preparation, negotiation and execution of this Amendment,
including without limitation, legal expenses of counsel to the Agent. 
  
 SECTION 5 Document Deliveries. The Lessee shall deliver to the Agent the following, each of which shall be satisfactory in form and substance to the Agent, as of the date of this Amendment: (i) the certificate the secretary or an
assistant secretary of each of the Lessee and of the Guarantors certifying to the incumbency of the officers executing this Amendment and attaching resolutions of each of such Persons authorizing the execution and delivery hereof (ii) an opinion of
counsel to the Lessee and the Guarantors, and (iii) a copy of the duly executed Ninth Amendment to Loan and Security Agreement dated as of the date hereof, among the Lessee, the Guarantors, the various financial institutions party thereto and Fleet
Capital Corporation, as agent. 
  
 SECTION 6 Reaffirmation of
Guaranty. Each Guarantor represents, warrants and affirms that, after giving effect to this Amendment (i) the Guaranty remains in full force and effect and guaranties all of the payment and performance obligations of Rowe Furniture under the
Operative Documents, and (ii) the Guaranty continues to be secured by the collateral pledged in connection therewith. 
  

 2 

 Execution Copy 
  

 SECTION 7 Representations. The Lessee hereby represents, warrants and affirms that, after
giving effect to this Amendment, (i) no Event of Default or Potential Event of Default has occurred and is continuing, (ii) the Operative Documents remain in full force and effect and (iii) the deeds of trust executed by Rowe Furniture and dated May
15, 2001 with respect to properties in Christiansburg, Virginia, Salem, Virginia and Butler County, Missouri remain in full force and effect and secure all of the obligations of the Lessee under the Operative Documents. 
  
 SECTION 8 Miscellaneous. This Amendment shall be governed by, and
construed in accordance with, the laws of the Commonwealth of Virginia. This Amendment may be executed by the parties hereto in separate counterparts (including by facsimile) each of which when so executed and delivered shall be an original, but all
such counterparts shall together constitute one and the same agreement. Each of the Master Agreement, the Lease and the Loan Agreement, as amended hereby, remains in full force and effect. Any reference to the Master Agreement, the Lease or the Loan
Agreement from and after the date hereof shall be deemed to refer to the Master Agreement, the Lease or the Loan Agreement, as the case may be, as amended hereby, unless otherwise expressly stated. Rowe Furniture shall promptly pay, or shall
reimburse the Agent for, all out-of-pocket costs and expenses incurred by the Agent in connection with this Amendment, including, without limitation, reasonable legal fees and expenses, appraisal costs and environmental assessment fees and expenses.

  
 [signature pages follow] 
  

 3 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their respective duly
authorized officers as of the year first above written. 
  

			
	ROWE FURNITURE, INC., as Lessee
		
	By:	 	 /s/ Garry W. Angle

	 	 	Garry W. Angle
		
	Its:	 	 Assistant Secretary

	
	THE ROWE COMPANIES, as a Guarantor
		
	By:	 	 /s/ Garry W. Angle

	 	 	Garry W. Angle
		
	Its:	 	 Vice President-Treasury Mgmt.

	
	ROWE PROPERTIES, INC., as a Guarantor
		
	By:	 	 /s/ Garry W. Angle

	 	 	Garry W. Angle
		
	Its:	 	 Assistant Secretary

	
	STOREHOUSE, INC., as a Guarantor
		
	By:	 	 /s/ Garry W. Angle

	 	 	Garry W. Angle
		
	Its:	 	 Assistant Secretary

  
 [signature page
follows] 
  

 4 

					
	ROWE DIVERSIFIED, INC., as a Guarantor
		
	By:	 	 /s/ Garry W. Angle

	 	 	Garry W. Angle
		
	Its:	 	 Treasurer

	
	ROWE FURNITURE WOOD PRODUCTS, INC., as a Guarantor
		
	By:	 	 /s/ Garry W. Angle

	 	 	Garry W. Angle
		
	Its:	 	 Assistant Secretary

	
	SUNTRUST BANK, as Lender and as Agent
		
	By:	 	 /s/ Susan K. Still

		
	Name Printed:	 	 Susan K. Still

		
	Title:	 	 SVP

	
	 ATLANTIC FINANCIAL GROUP, LTD.,
 as
Lessor

		
	By:	 	 Atlantic Financial Managers, Inc.,
 its
General Partner

			
	 	 	By:	 	 /s/ Stephen S. Brookshire

			
	 	 	Name Printed:	 	 Stephen S. Brookshire

			
	 	 	Title:	 	 President

  

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