Document:

Exhibit 10.33
                                                                -------------

               AMENDED AND RESTATED EMPLOYMENT AGREEMENT

     AGREEMENT dated as of the 7th day of February , 2000 by and
between TOUCHSTONE APPLIED SCIENCE ASSOCIATES, INC., a Delaware
corporation with its principal place of business at 4 Hardscrabble
Heights, Brewster, New York 10509  ("TASA") and DENISE STEFANO, an
individual residing at 87 Blenheim Court, Unit 14-62, Yorktown
Heights, NY 10598 ("Employee").

                       W I T N E S S E T H:
                       - - - - - - - - - -

     WHEREAS, Employee has been employed by the Corporation since
May 3, 1999, pursuant to the terms of an Employment Agreement dated
March 6, 1999 (the "Original Employment Agreement"); and

     WHEREAS, the Corporation recognizes the contribution of
Employee to the Corporation during such term and that the current
business environment makes it difficult to retain similarly highly
qualified employees unless a certain degree of security can be
offered to such individuals against personnel changes; and

     WHEREAS, the Corporation desires to assure fair treatment of
such qualified employees and thereby increasing their willingness
to remain with the Corporation; and

     WHEREAS, the Board of Directors (the "Board") of the
Corporation believes it is essential to provide Employee with such
degree of security and secure the services of Employee for the
Corporation, and, in order to accomplish these objectives, the
Board has caused the Corporation to enter into this Amended and
Restated Employment Agreement (the "Employment Agreement").

     NOW, THEREFORE, in consideration of the premises and of the
mutual agreements set forth herein, the parties hereto, intending
to be legally bound, agree as follows:

     1.   Employment and Term.  Subject to the terms and conditions
          -------------------
of this Employment Agreement, the Corporation agrees to employ
Employee, and Employee hereby accepts employment by the
Corporation.  The term of this Employment Agreement shall begin as
of the date hereof (the "Effective Date") and unless sooner
terminated as provided elsewhere herein, shall end on the third
anniversary of the Effective Date; provided, however, that
                                   -----------------
commencing on the date one year after the Effective Date, and on
each annual anniversary of such date (such date and each annual
anniversary thereof is hereinafter referred to as the "Renewal
Date"), the term of this Employment Agreement shall be
automatically extended so as to terminate three years from such
Renewal Date, unless at least six (6) months prior to the Renewal
Date the Corporation shall give written notice that the term of the
Employment Agreement shall not be so extended (the "Employment
Term").

     2.   Certain Definitions.
          -------------------

          (a)  A reference herein to a section of the Internal
Revenue Code of 1986, as amended (the "Code") or a subdivision
thereof shall be construed to incorporate reference to any section
or subdivision of the Code enacted as a successor thereto, any
applicable proposed, temporary or final regulations promulgated
pursuant to such sections and any applicable interpretation thereof
by the Internal Revenue Service.

          (b)  A reference herein to a section of the Securities
Exchange Act of 1934, as amended (the "Exchange Act"), or any rule
or regulation promulgated thereunder shall be construed to
incorporate reference to any section of the Exchange Act or any
rule or regulation enacted or promulgated as a successor thereto.

          (c)  "Subsidiary(ies)" means a company 50% or more of the
voting securities of which are owned by the Corporation or a
subsidiary of the Corporation.

          (d)  "Employee Benefit Plan" means any written plan
providing benefits for employees of the Corporation or any
Subsidiary.

     3.   Duties.  During the Employment Term, Employee shall serve
          ------
the Corporation in a capacity as its Chief Financial Officer, or in
such other related capacity or capacities as may be determined by
the Board.   Employee shall perform such services as are customary
for the Chief Financial Officer of a publicly traded corporation,
including, but not limited to financial analysis, presentation and
reporting, and financial management, administration and compliance,
and such other services as may be required or requested by the
Board or the President in connection with the operation of the
Corporation and its Subsidiaries.  Employee shall report directly
to the President of the Corporation and shall render her services
at the present location of the Corporation or any office or
location of the Corporation as the Board or the President shall
request.  During the Employment Term, and excluding any periods of
vacation and sick leave, Employee agrees to devote full time, best
efforts to the business and affairs of the Corporation to discharge
the responsibilities assigned to Employee hereunder, and to perform
faithfully and efficiently such responsibilities.   During the
Employment Term it shall not be a violation of this Employment
Agreement for Employee to (A) serve on corporate, civic or
charitable boards or committees, (B) deliver lectures, fulfill
speaking engagements or teach at educational institutions, and (C)
manage personal investments, so long as Employee's duties in
connection therewith do not unreasonably interfere with Employee's
duties under this Employment Agreement.  Activities of Employee
consistent with this Section 3 shall not permit the Corporation to
terminate Employee's employment for "Cause", as defined below.

     4.   Compensation.
          ------------

          (a)  BASE SALARY.  During the Employment Term, the
Corporation shall pay to Employee, in equal installments no less
frequently than twice per month (or at such other intervals as are
in effect from time to time for other officers of the Corporation),
an annual base salary (the "Base Salary") of One Hundred Ten
Thousand and 00/100  ($110,000.00) Dollars.  Base Salary to be paid
by the Corporation to Employee shall be reviewed by the Board of
Directors at least once annually prior to each anniversary of the
Effective Date in conjunction with a performance review of
Employee.

          (b)  INCENTIVE, SAVINGS, WELFARE BENEFIT PLANS AND
RETIREMENT PLANS.  In addition to Base Salary, Employee shall be
eligible to participate in or benefit from, such medical insurance,
life insurance, disability insurance, pension, bonus, profit-sharing,
stock option, stock purchase and any other fringe benefit
plans, practices, programs or policies provided by the Corporation
to Employee in accordance with the terms of such plans, practices,
programs and policies, as amended from time to time.

          (c)  KEY MAN INSURANCE.  Employee agrees that the
Corporation may obtain key man life insurance with respect to
Employee, and in connection therewith, agrees to submit to all
reasonable and customary examinations by the provider of such life
insurance.

          (d)  EXPENSES.  Employee shall be entitled to
reimbursement for all normal and reasonable travel, entertainment
and other expenses necessarily incurred by her in the performance
of her duties hereunder in accordance with the policies, practices
and procedures of the Corporation as amended from time to time.

          (e)  DISABILITY.  Except as hereinafter provided, the
Corporation shall pay Employee for any period, up to a maximum of
three months, during the Employment Term in which she is unable
fully to perform her duties because of physical or mental
disability or incapacity, an amount equal to the Base Salary due
her for such period pursuant to Section 4(a), less the aggregate
amount of all income disability benefits which for such period she
may receive by reason of (i) any group health insurance plan, or
disability insurance plan paid for by the Corporation, in each case
which is intended to function as a salary replacement plan, (ii)
any applicable compulsory state disability law, (iii) the Federal
Social Security Act, (iv) any applicable workmen's compensation law
or similar law and (v) any plan towards which the Corporation or
any subsidiary or affiliate of the Corporation (including any
predecessor of any thereof) has contributed or for which it has
made payroll deductions, such as group accident or health policies,
other than those which reimburse for actual medical expenses.

          (f)  VACATION.  During the Employment Term, Employee
shall be entitled to paid vacation in accordance with the plans,
practices, policies and programs of the Corporation as amended from
time to time.

     5.   Stock Options.
          -------------

          (a)  As part of the consideration to be paid to Employee
for her services hereunder, Employee shall be eligible to
participate in any stock incentive plan adopted by the Corporation
(the "Plan") for which an Executive level employee may participate.

          (b)  The Corporation hereby agrees that it shall cause to
be filed with the Securities and Exchange Commission a registration
statement on Form S-8 (or equivalent form as may be in effect at
such time) with respect to all options theretofore granted to
Employee under the Plan.  The Corporation covenants that it will
keep such registration statement current until Employee is no
longer employed by the Corporation.  The Corporation hereby agrees
that, for so long as either the Corporation does not have an
effective registration statement on Form S-8 or the Corporation has
an effective registration statement on Form S-8 but Employee is
restricted in her ability to resell shares acquired pursuant to the
exercise of options because of the provisions of General
Instruction C.2(b) to Form S-8, Employee shall have "piggyback"
registration rights with respect to the options granted to Employee
under the Plan and the shares underlying such options.

          (c)  As an incentive to enter into the Original
Employment  Agreement, the Corporation had, immediately upon the
effective date of such agreement, delivered to Employee a Stock
Option Agreement pursuant to its Amended and Restated 1991 Stock
Option Incentive Plan, granting to Employee ten (10) year options
for 15,000 shares of the common stock of the Corporation at fair
market value as of the effective date of such agreement, which
options were exercisable one year after the anniversary of the date
of the grant.

     6.   Rights of Termination.
          ---------------------

          (a)  CAUSE.  During the Employment Term, the Corporation
shall have the right, at any time effective upon notice to
Employee, to terminate Employee's employment for "Cause" (as
hereinafter defined).  For purposes of this Employment Agreement,
"Cause" shall mean (i) an act or acts of personal dishonesty
engaged in by Employee,  (ii) violations by Employee of Employee's
obligations under Section 3 of this Employment Agreement which are
not remedied within thirty (30) days after receipt of written
notice from the Corporation; (iii) commission by Employee of a
felony or any act of embezzlement or misappropriation of funds,
(iv) material breach of any representation or warranty hereunder or
fraud or negligence in the performance of her duties hereunder, and
(v) an inability in the reasonable opinion of the President of the
Corporation, to work cohesively with other key personnel if not
remedied within thirty (30) days after written notice from the
Corporation.

          (b)  DISABILITY; DEATH.  In the event that Employee, due
to physical or mental disability or incapacity, is unable to
substantially perform her duties hereunder for a period of three or
more successive months, the Corporation or Employee shall have the
right to terminate this Employment Agreement and Employee's
employment hereunder upon 30 days' prior written notice and
termination shall be effective on the 30th day after receipt of
such notice by the Employee (the "Disability effective date").  In
the event that Employee is able to and recommences rendering
services and substantially performing her duties hereunder within
such 30-day notice period, Employee shall be reinstated and such
notice shall be without further force or effect.  If Employee dies
during the Term, this Employment Agreement shall terminate
immediately upon her death.

          (c)  NOTICE OF TERMINATION.  Any termination of
Employee's employment by the Corporation or by Employee shall be
communicated by Notice of Termination to the other party hereto
given in accordance with Section 16 of this Employment Agreement.

          (d)  DATE OF TERMINATION.  "Date of Termination" means
the date of receipt of the Notice of Termination or any later date
specified therein, as the case may be; provided, however, that if
Employee's employment is terminated by reason of death or
Disability, the Date of Termination shall be the date of death of
Employee or the Disability effective date, as the case may be.

     7.   Effects of Termination.  In the event that Employee's
          ----------------------
employment is terminated pursuant to Section 6 hereof, Employee's
employment hereunder shall terminate without further obligations to
Employee, other than those obligations accrued or earned and vested
(if applicable) by Employee through the Date of Termination,
including for this purpose all "Accrued Obligations", defined as
those obligations accrued or earned and vested (if applicable) by
Employee as of the Date of Termination, including, for this purpose
(i) Employee's pro rata Base Salary accrued but unpaid as of the
Date of Termination, (ii) any compensation previously deferred by
Employee (together with any accrued earning thereon) and not yet
paid by the Corporation and any accrued vacation pay not yet paid
by the Company and (iii) if applicable, all amounts payable to the
estate or designated beneficiaries of Employee under any pension,
savings, life insurance or other plans, practices, policies and
programs of the Corporation, and/or all other amounts payable
pursuant to Section 4 hereof.  In addition:

               (i)  the Corporation shall pay to Employee all
Accrued Obligations such that the Accrued Obligations specified in
Section 4 hereof, shall be paid to Employee in a lump sum in cash
within 30 days of the Date of Termination, and the other Accrued
Obligations shall be paid in accordance with Employee's specific
elections pursuant to, and otherwise in accordance with the terms
of, any plan, practice, policy or program providing benefits
forming a part of the Accrued Obligations;

               (ii) all non-exercisable options shall immediately
and automatically terminate, and

               (iii)     any registration rights theretofore
granted which have not been invoked with respect to shares of
Common Stock of the Corporation either acquired by Employee
pursuant to the exercise of stock options or underlying vested
options shall immediately and automatically terminate.

     8.   Confidentiality.
          ---------------

          (a)  Employee understands and acknowledges that as a
result of Employee's employment with the Corporation, and
involvement with the business of the Corporation, she is or shall
necessarily become informed of, and have access to, confidential
information of the Corporation including, without limitation,
inventions, patents, patent applications, trade secrets, technical
information, know-how, plans, specifications, financial information
and business strategy, marketing plans and information, pricing
information, identity of customers and prospective customers and
identity of suppliers, and that such information, even though it
may have been or may be developed or otherwise acquired by
Employee, is the exclusive property of the Corporation to be held
by Employee in trust and solely for the Corporation's benefit.
Employee shall not at any time, either during or subsequent to her
employment hereunder, reveal, report, publish, transfer or
otherwise disclose to any person, corporation or other entity, or
use, any of the Corporation's confidential information, without the
written consent of the Board, except for use on behalf of the
Corporation in connection with the Corporation's business, and
except for such information which legally and legitimately is or
becomes of general public knowledge from authorized sources other
than Employee.

          (b)  Upon the termination of her employment with the
Corporation for any reason, Employee shall promptly deliver to the
Corporation all drawings, manuals, letters, notes, notebooks,
reports and copies thereof and all other materials, including,
without limitation, those of a secret or confidential nature,
relating to the Corporation's business which are in Employee's
possession or control.

          (c)  For purposes of this Section 8 and Section 9, the
term "Corporation" includes the Corporation and any other
predecessor corporation, and affiliates (including, without
limitation, distributors, licensees, franchisees, Subsidiaries and
joint ventures).

          (d)  Employee represents and warrants to the Corporation that
the execution and delivery of this Employment Agreement shall
not conflict with, or violate the terms of, or constitute a
breach of any other Employment Agreement or document to which
she is a party, including, but not limited to any employment,
consulting, non-competition, restrictive covenant or other
form of confidentiality Employment Agreement.

     9.   Non-Competition.  Employee agrees that, for a period
          ---------------
commencing on the date of her initial employment with the
Corporation and ending one year after the termination of her
employment with the Corporation for any reason, she shall not,
anywhere in the United States (or for such lesser area or such
lesser period as may be determined by a court of competent
jurisdiction to be a reasonable limitation on the competitive
activity of Employee) directly or indirectly:

     (a)       solicit or attempt to solicit business of any
          customers of the Corporation or any of its Subsidiaries
          (including prospective customers solicited by the
          Corporation or any of its Subsidiaries during the term of
          her employment) for products or services the same or
          similar to those offered, sold, produced or under
          development by the Corporation or any of its Subsidiaries
          during the term of her employment therewith or dealt in
          by Employee during her employment with the Corporation;

     (b)       solicit or attempt to solicit for any business
          endeavor any employee of the Corporation or any of its
          Subsidiaries;

     (c)       interfere with any business relationship between the
          Corporation or any of its Subsidiaries and any other
          person or entity;

     (d)       use the name of the Corporation or any of its
          Subsidiaries or a name similar thereto; or

     (e)       render any services as an officer, director,
          employee, partner, consultant or otherwise to, or have
          any interest as a stockholder, partner, lender or
          otherwise in, any entity which is engaged in activities
          which, if performed by Employee would violate this
          Section 9.

     10.  Remedies and Survival.  Because the Corporation does not
          ---------------------
have an adequate remedy at law to protect its interest in its trade
secrets, privileged, proprietary or confidential information and
similar commercial assets, or its business from Employee's
competition, the Corporation shall be entitled to injunctive
relief, in addition to such other remedies and relief that would,
in the event of a breach of the provisions of Sections 8 or 9, be
available to the Corporation.  The provisions of Sections 8 and 9
and this Section 10 shall survive any termination of Employee's
employment with the Corporation for any reason whatsoever.

     11.  Set-off.  The payments and performance by the Corporation
          -------
as provided for in this Employment Agreement shall be subject to
any set-off, counterclaim, recoupment, defense or other claim,
right or action which the Corporation may have against Employee.

     12.  Non-exclusivity of Rights.    Nothing in this Agreement
          -------------------------
shall prevent or limit Employee's present or future participation
in any benefit, bonus, incentive or other plans, practices,
policies or programs provided by the Corporation and for which
Employee or Employee's family may qualify and be eligible, nor
shall anything herein limit or otherwise affect such rights as
Employee may have under any stock option or other agreements with
the Corporation.  Amounts which are vested benefits or which
Employee is otherwise entitled to receive at or subsequent to the
Date of Termination shall be payable in accordance with the plan,
practice, policy or program of the Corporation under which Employee
has such entitlement, if any.   Amounts which are vested benefits
or which Employee is otherwise entitled to receive at or subsequent
to the Date of Termination shall be payable in accordance with the
plan, practice, policy or program of the Corporation under which
Employee has such entitlement, if any.  For purposes of determining
such vesting or entitlement, and any other benefit in which the
start date of Employee is relevant, the actual start date of
Employee of May 3, 1999 shall be used, and not the Effective Date
of this Employment Agreement (February 7, 2000).

     13.  Entire Agreement.  This Employment Agreement sets forth
          ----------------
the entire understanding of the parties hereto with respect to its
subject matter, merges and supersedes any prior or contemporaneous
agreements or understandings with respect to its subject matter,
and shall not be modified or terminated except by another agreement
in writing executed by the Corporation and Employee.  Failure of a
party to enforce one or more of the provisions of this Employment
Agreement or to require at any time performance of any of the
obligations hereof shall not be construed to be a waiver of such
provisions by such party nor to in any way affect the validity of
this Employment Agreement or such party's right thereafter to
enforce any provision of this Employment Agreement, nor to preclude
such party from taking any other action at any time which it would
legally be entitled to take.

     14.  Severability.  If any provision of this Agreement is held
          ------------
to be invalid or unenforceable by any court or tribunal of
competent jurisdiction, the remainder of this Agreement shall not
be affected by such judgement and such provision shall be carried
out as nearly as possible according to its original terms and
intent to eliminate such invalidity or unenforceability.

     15.  Successors and Assigns.  This Employment Agreement is
          ----------------------
personal to Employee and without the prior written consent of the
Corporation shall not be assignable by Employee.  This Employment
Agreement shall inure to the benefit of and be enforceable by
Employee's legal representatives or Successors in Interest. This
Employment Agreement shall inure to the benefit of and be binding
upon the Corporation and its successors and assigns.  As used in
the Employment Agreement, "Corporation" shall mean the Corporation
as hereinbefore defined and any successor to its business and/or
assets as aforesaid which assumes and agrees to perform this
Employment Agreement by operation of law or otherwise.

     16.  Communications and Notices.  All notices and other
          --------------------------
communications under this Employment Agreement shall be in writing
and shall be deemed to have been duly given three (3) business days
after they are mailed in any United States post office enclosed in
a registered or certified postage-paid envelope and addressed as
set forth at the beginning of this Employment Agreement, or to such
other address as any party may specify by notice to the other
parties, or delivered by Federal Express or a similar overnight
courier to such address with evidence of delivery; provided,
                                                   --------
however, that any notice of change of address shall be effective
-------
only upon receipt.

     17.  Construction; Counterparts.  The headings contained in
          --------------------------
this Employment Agreement are for convenience only and shall in no
way restrict or otherwise affect the construction of the provisions
hereof.  References in this Employment Agreement to Sections are to
the sections of this Employment Agreement.  This Employment
Agreement may be executed in multiple counterparts, each of which
shall be an original and all of which together shall constitute one
and the same instrument.

     18.  Validity.  The invalidity or unenforceability of any
          --------
provision of this agreement  shall not affect the validity or
enforceability of any other provision of this agreement.
Employee's failure to insist upon strict compliance with any
provision hereof shall not be deemed to be a waiver of such
provision.  This agreement contains the entire understanding
of the Corporation and Employee with respect to the subject
matter hereof but does not supersede or override the provisions
of any stock option, employee benefit or other plan, program,
policy or practice in which Employee is a participant or under
which Employee is a beneficiary.

     19.  Governing Law.  This Employment Agreement shall be
          -------------
governed by and construed under the laws of the State of New York.

     IN WITNESS WHEREOF, the undersigned parties have executed and
delivered this Employment Agreement as of the date first above
written.

                              TOUCHSTONE APPLIED SCIENCE
                                ASSOCIATES, INC.

                            By:   /s/  ANDREW L. SIMON
                                 ----------------------------
                                 Name: Andrew L. Simon
                                 Title:   President

                            EMPLOYEE:

                                  /s/  DENISE STEFANO
                                 ----------------------------
                                       DENISE STEFANOFIRST AMENDMENT TO
                           LOAN AND SECURITY AGREEMENT

      THIS FIRST AMENDMENT (this "Amendment") is entered into as of May 22,
1998, between COFFEE HOLDING CO, INC. ("Borrower"), and NATIONSCREDIT COMMERCIAL
CORPORATION, through its NATIONSCREDIT COMMERCIAL FUNDING DIVISION ("Lender").

      WHEREAS, Borrower has requested that certain Loan and Security Agreement
dated as of November 21, 1997, between Borrower and Lender (as amended, the
"Loan Agreement") be amended as provided herein;

      WHEREAS, Lender is willing to consent to the foregoing subject to the
terms and conditions set forth herein;

      NOW THEREFORE, in consideration of the premises and mutual agreements
herein contained, the parties hereto agree as follows:

      1. Defined Terms. Unless otherwise defined herein, capitalized terms used
herein shall have the meanings ascribed to such terms in the Loan Agreement.

      2. Amendment. (a) A sentence is added to paragraph 5.13(a) to read, "In
addition to the Collateral Reports described above, Borrower shall provide
Lender with weekly inventory reports regarding its green coffee bean inventory,
all in such form as required by Lender", (b) Section 1.(d)(I) of Schedule A of
the Loan Agreement is hereby amended and restated in its entirety as follows:

                  (i) Overall sublimit on advances against Eligible Inventory.
$1,000,000 or, if less, the aggregate advances against accounts at any time of
determination.

      3. Fee. In consideration of the above amendment, Borrower agrees to pay an
additional fee in the amount of $1,500.00 which shall be charged to Borrower's
Revolving Loans or the date of execution of this amendment.

      4. Miscellaneous.

            (a) Warranties and Absence of Defaults. In order to induce Lender to
enter into this Amendment, Borrower hereby warrants to Lender, as of the date
hereof, that:

                  (i) The representations and warranties of Borrower contained
in the Loan Agreement are true and correct as of the date hereof as if made on
the date hereof, except to the extent that such representation and warranties
relate specifically to an earlier date, in which case such representations and
warranties were true and correct as of such earlier date.

                  (ii) All information, reports and other papers and data
heretofore furnished to Lender by Borrower in connection with this Amendment,
the Loan Agreement and

<PAGE>

the other Loan Documents are accurate and correct in all material respects and
complete insofar as may be necessary to give Lender true and accurate Knowledge
of the subject matter thereof. Borrower has disclosed to Lender every fact of
which it is aware which might adversely affect the business, operations or
financial condition of Borrower or the ability of Borrower to perform its
obligations under this Amendment, the Loan Agreement or under any of the other
Loan Documents. None of the information furnished to Lender by or on behalf of
Borrower contained any material misstatement of fact or omitted to state a
material fact or any fact necessary to make the statements contained herein or
therein not materially misleading.

                  (iii) No Event of Default or Defaults exists as of the date
hereof.

            (b) Governing Law. This Amendment shall be a contract made under and
governed by the internal laws of the State of New York.

            (c) Counterparts. This Amendment may be executed in any number of
counterparts, and by the parties hereto on the same or separate counterparts,
and each such counterpart, when executed and delivered, shall be deemed to be an
original, but all such counterparts shall together constitute but one and the
same Amendment.

            (d) Reference to Loan Agreement. On and after the effectiveness of
the amendment to the Loan Agreement accomplished hereby, each reference in the
Loan Agreement to "this Agreement", "hereunder", "herein" or words of like
import, and each reference to the Loan Agreement in any other Loan Documents, or
other agreements, documents or other instruments executed and delivered pursuant
to the Loan Agreements, shall mean and be a reference to the Loan Agreement, as
so amended.

            (e) Successors. This Amendment shall be binding upon Borrower,
Lender and their respective successors and assigns, and shall inure to the
benefit of Borrower, Lender and the successors and assigns of Lenders.

            (f) Effectiveness. This Amendment shall become effective upon
execution hereof by Borrower and Lender.

                                      -2-

<PAGE>

      IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized and delivered at
New York, New York as of the date first above written.

                                       COFFEE HOLDINGS, INC.

                                       By:______________________________________

                                                    Its:________________________

                                       NATIONSCREDIT COMMERCIAL
                                       CORPORATION, through its NATIONSCREDIT
                                       COMMERICAL FUNDING DIVISION

                                       By:______________________________________

                                                    Its:________________________

                                      -3-

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00019-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00019-of-00352.parquet"}]]