Document:

ex10h

	     Exhibit
      10(h)

       
	     EMPLOYMENT
        AGREEMENT

         

	     THIS
      EMPLOYMENT AGREEMENT is made as of March 21, 2000 between DPL INC., an Ohio
      corporation (the “Company”) and ELIZABETH McCARTHY (“Ms.
      McCarthy”) under the following circumstances:

       
	 	A.

        	The Company
      is a holding company headquartered in Dayton, Ohio, having as its principal
      subsidiary The Dayton Power and Light Company (“DP&L”).

       
	 	B.

        	The Company
      desires to employ Ms. McCarthy as its Vice President and Chief Accounting
      Officer, and Ms. McCarthy desires to accept such employment with the Company,
      subject to the terms and conditions set forth herein.

       
	     NOW,
      THEREFORE, the parties agree as follows:

       
	     Section
      1. Employment and Duties. The Company hereby employs Ms. McCarthy
      as Vice President and Chief Accounting Officer of the Company and Ms. McCarthy
      hereby accepts such employment. In such capacity, Ms. McCarthy shall report
      directly to the Chief Executive Officer of the Company and shall have primary
      responsibility for the Company’s and its subsidiaries’ financial reporting,
      corporate accounting matters, and regulatory accounting matters, including
      the preparation of financial reports and supervision and oversight of divisional
      or subsidiary controllers and assist in strategic and transactional issues.
      Ms. McCarthy shall also perform such other and further duties as may be
      assigned to her from time to time by the Chief Executive Officer. During
      the Term, Ms. McCarthy shall devote her entire business time and attention
      to the performance of her duties hereunder and shall use her best efforts
      to perform her duties hereunder faithfully and efficiently.

       
	     Section
      2. Term. The term of this Agreement (the “Term”) shall
      commence on April 1, 2000 and shall continue thereafter until terminated
      in accordance with Section 7.

       
	     Section
      3. Compensation. As compensation for her services hereunder, Ms.
      McCarthy shall receive the following:

       
	 	 	(a)
          Base
        Salary. Ms. McCarthy shall receive a base salary at the annual rate
        of $250,000 or such greater amount as the Compensation and Management
        Review Committee of the Board of Directors of the Company may determine
        from time to time in its sole discretion (the “Base Salary”),
        to be paid in installments in accordance with the Company’s customary
        payroll practices.

         

	 	 	(b)   Participation
      in MICP. For each calendar year during the Term (commencing with calendar
      year 2000), Ms. McCarthy shall have the opportunity to receive an annual
      bonus under DP&L’s Management Incentive Compensation

       

  
     Plan (“MICP”).
      For calendar year 2000, Ms. McCarthy’s bonus under the MICP shall not be
      less than $100,000.  

     (c)   Stock
      Options. On the terms provided in the Management Stock Option Agreement
      attached hereto as Exhibit A, which Ms. McCarthy and the Company shall execute
      immediately after the execution of this Agreement, the Company shall grant
      to Ms. McCarthy options to purchase up to 250,000 common shares of the Company.
      It is anticipated that no additional options will be granted to Ms. McCarthy
      through the period ending December 31, 2002. Additional options, if any,
      may be granted to Ms. McCarthy in the Company’s sole discretion.
    

      (d)   Special
      One Time Bonus. Immediately upon the execution of this Agreement
      by Ms. McCarthy, the Company shall pay Ms. McCarthy $100,000 net of applicable
      withholding; provided, however, that if Ms. McCarthy terminates her employment
      with the Company (other than, after a Change of Control, for Good Reason
      per the terms of the letter agreement attached hereto as Exhibit B), then
      (i) if such termination occurs on or prior to the second anniversary of
      the date of this Agreement, Ms. McCarthy shall immediately upon termination
      repay to the Company the entire amount of such bonus (i.e., $100,000),
      or (ii) if such termination occurs after the second but prior to the third
      anniversary of the date of this Agreement, Ms. McCarthy shall immediately
      upon termination repay to the Company 50% of such bonus (i.e., $50,000).
      The Company may offset such amounts against any amounts which it may otherwise
      owe Ms. McCarthy on termination.  

     (e)   Relocation
      Expenses. The Company will reimburse Ms. McCarthy for costs and
      expenses reasonably incurred by her in relocating to the greater Dayton,
      Ohio area in an amount not to exceed $25,000 after tax. Ms. McCarthy shall
      provide the Company with a detailed statement showing a breakdown of such
      expenses subject to reimbursement.  

      (f)   Fringe
      Benefits. During the Term, Ms. McCarthy shall be entitled to receive
      such fringe benefits (including, medical, life and disability insurance
      benefits and retirement benefits) as are generally made available to other
      executive level employees of the Company in accordance with the plans, practices,
      programs and policies of the Company in effect from time to time, including
      participation in DP&L’s Key Employees Deferred Compensation Plan. In
      addition, the Company shall provide Ms. McCarthy with additional retirement
      benefits which, when added to those benefits she is entitled to receive
      under Retirement Income Plan Two of DP&L (the “Qualified Plan”),
      will equal the benefits payable to her under the Qualified Plan as if she
      had 18 years of service with DP&L as of the date of this Agreement.
       

  

       Section 4. Vacations. During the Term, Ms. McCarthy shall be entitled to paid vacation time
  of four weeks annually.  

  2

       Section 5. Expenses. The Company shall reimburse Ms. McCarthy for all reasonable out-of-pocket
  expenses properly incurred by her in connection with the performance of her
  duties hereunder in accordance with the policies established from time to time
  by the Company.  

       Section
  6. Withholdings. The Company may withhold from any amounts payable to
  Ms. McCarthy hereunder such federal, state or local taxes or other amounts as
  the Company shall be required to withhold pursuant to applicable law. 

       Section 7. Termination. (a) This Agreement and Ms. McCarthy’s employment with the Company may
  be terminated at any time, with or without cause, by either the Company or Ms.
  McCarthy upon 30 days’ prior written notice; provided this Agreement and Ms.
  McCarthy’s employment with the Company may be terminated by the Company for
  Cause without prior notice.  

      (b) In addition, this
  Agreement and Ms. McCarthy’s employment with the Company shall automatically
  terminate upon Ms. McCarthy’s death or Disability. 

      (c) Upon the termination
  of this Agreement for any reason, this Agreement shall forthwith be of no further
  force and effect (except that the provisions of Sections 8 and 9 shall continue
  in full force and effect) and there shall be no further liability on the part
  of either party, other than based upon (i) its obligations under this Agreement
  arising prior to such termination or (ii) the obligations of such party contained
  in Sections 8 or 9 or under the agreements attached hereto as Exhibits A and
  B.  

       Section 8. Severance
  Benefits. (a) Immediately upon the execution of this Agreement, the
  parties shall execute the letter agreement attached hereto as Exhibit B providing
  for the payment of severance benefits to Ms. McCarthy in certain circumstances
  as described therein.  

      (b) If prior to the third
  anniversary of the date of this Agreement, the Company terminates Ms. McCarthy’s
  employment with the Company without Cause, and a Change of Control (as defined
  in the agreement attached hereto as Exhibit B) has not occurred or is not pending,
  the Company shall pay to Ms. McCarthy a sum equal to two times the base salary
  then in effect. This, plus the payments and benefits specified in Section 3.b.
  of the agreement attached hereto as Exhibit A and Section 1.A. of the agreement
  attached hereto as Exhibit B, shall be the Company’s entire obligation to Ms.
  McCarthy in such event, and Ms. McCarthy will execute a full and unconditional
  release of any claims which she may have against the Company as a condition
  to receiving such payment.  

       Section 9. Non-Competition
  and Confidentiality. In consideration of the Company’s entering into
  this Agreement and as an inducement for it to do so, Ms. McCarthy agrees to
  be bound by the non-competition and confidentiality provisions included in the
  agreement attached hereto as Exhibit B under “Non-Competition and Confidentiality”,
  and such provisions are incorporated herein by reference.  

  3

       Section 10. Certain
  Definitions. For purposes of this Agreement, the following terms have
  the following meanings:  

       “Cause” shall have
  the meaning specified in Section 3.B.(ii) of the agreement attached hereto as
  Exhibit B. 

       “Disability”
  shall have the meaning specified in Section 3.B.(i) of the agreement attached
  hereto as Exhibit B.  

       Section 11. Parties
  in Interest. This Agreement is for the sole benefit of the parties and
  shall not create any rights to any person not a party. This Agreement is personal
  and may not be assigned by any party without the prior written consent of the
  other party. Subject to the foregoing, this Agreement shall be binding upon,
  inure to the benefit of, and be enforceable by, the respective successors and
  assigns of the parties, but on assignment shall, of itself, relieve any party
  of its obligations hereunder. 

       Section
  12.Entire Agreement. This Agreement, including the agreements
  attached hereto as Exhibits A and B, sets forth the entire agreement and understandings
  of the parties in respect to the subject matter hereof and supersedes all prior
  agreements, arrangements and understandings relating to the subject matter hereof.
   

       Section 13. Interpretation. The section and other headings contained in this Agreement are for reference
  purposes only and shall not affect in any way the meaning or interpretation
  of this Agreement. Words used in this Agreement in the singular number shall
  include the plural, and vice versa, unless the context requires otherwise. Words
  of gender used in this Agreement may be read as masculine, feminine or neuter
  as the context may require. The terms “this Agreement”, “hereto”, “herein”,
  “hereby”, “hereof” and similar expressions refer to this Agreement in its entirety
  and not to any particular provision or portion of this Agreement. When a reference
  is made to Sections, such reference shall be to a Section of this Agreement,
  unless otherwise indicated. Whenever the words “include”, “includes” or “including”
  are used herein, they shall be deemed to be followed by the words “without limitation”.

       Section 14. Law
  Governing. This Agreement shall be governed by, and construed and enforced
  in accordance with, the laws of the State of Ohio without regard to its conflicts
  of laws rules. 

       Section 15. Counterparts.
  This Agreement may be executed simultaneously in two or more counterparts,
  each of which shall be deemed an original but all of which taken together shall
  constitute one and the same instrument.  

       Section 16. Amendment. Any amendment to this Agreement or any waiver of rights or any consent
  hereunder shall not be operative unless it is in writing and signed by the party
  sought to be charged.  

       Section 17. Equitable
  Relief. Ms. McCarthy acknowledges that the Company may be irreparably
  injured by any breach of Section 9. Accordingly, the Company shall be entitled
  to  

  4

 specific performance and
  other injunctive relief as remedies for any breach (or threatened breach) of
  Section 9, in addition to all other remedies available at law or in equity.
   

       Section 18. Severability. If any provision of this Agreement or the application thereof to any
  party or circumstance shall be held invalid or unenforceable to any extent,
  the remainder of this Agreement and the application of such provision to another
  party or circumstance shall not be affected thereby and such provision shall
  be enforced to the greatest extent permitted by applicable law.  

       Section 19. Waiver. The failure or delay on the part of any party to insist upon strict
  performance of any of the terms or conditions of this Agreement will not constitute
  a waiver of any of its rights hereunder. No right or remedy herein conferred
  upon or reserved to any party is intended to be exclusive of any other right
  or remedy and all such rights and remedies shall be cumulative.  

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

	 	DPL INC.
      
	 	 	 
	 	By: 	 
	 	 	

	 	 	 
	 	 	

	 	 	Elizabeth McCarthy
	 	 	 

 
  5Form 10K

	     Exhibit
      10(i)

       
	     EMPLOYMENT
        AGREEMENT

         

	     THIS
      EMPLOYMENT AGREEMENT is made as of October 17, 2002 among DPL INC., an Ohio
      corporation (“DPL”), THE DAYTON POWER AND LIGHT COMPANY, an Ohio
      corporation (“DP&L”, and together with DPL, the “Companies”)
      and STEPHEN F. KOZIAR, JR. (“Mr. Koziar”) under the following circumstances:

       
	 	A.

        	DPL is
      a holding company headquartered in Dayton, Ohio, having as its principal
      subsidiary DP&L.

       
	 	B.

        	Mr. Koziar
      is presently employed by the Companies as Executive Vice President and Chief
      Operating Officer and has been elected by the Boards of Directors of the
      Companies to be the President and Chief Executive Officer of the Companies,
      effective upon the retirement of Allen M. Hill from such offices.

       
	 	C.

        	The Companies,
      subject to the terms and conditions set forth herein, desire to provide
      for the continued employment of Mr. Koziar as President and Chief Executive
      Officer of the Companies.

       
	     NOW,
      THEREFORE, the parties agree as follows:

       
	     Section
      1. Employment and Duties. Mr. Koziar shall serve as President and
      Chief Executive Officer of the Companies during the Term and Mr. Koziar
      hereby accepts such employment. In such capacity, Mr. Koziar shall report
      directly to the Boards of Directors of the Companies, shall have the duties
      customarily performed by a president and chief executive officer of a similarly
      situated company, and, in addition, shall specifically be responsible for
      working with the Companies and the DPL Board of Directors to formulate and
      implement a key executive succession plan, including with respect to the
      position of President and Chief Executive Officer of the Companies. Mr.
      Koziar shall also perform such other and further duties as may be assigned
      to him from time to time by DPL’s Board of Directors. During the Term,
      Mr. Koziar shall devote his entire business time and attention to the performance
      of his duties hereunder and shall use his best efforts to perform his duties
      hereunder faithfully and efficiently.

       
	     Section
      2. Term. The term of this Agreement (the “Term”) shall
      commence on January 1, 2003 and shall continue until December 31, 2005 or
      until terminated in accordance with Section 7, whichever shall first occur.

       
	     Section
      3. Compensation. As compensation for his services hereunder, Mr.
      Koziar shall receive the following:

       
	 	 	(a)   Base
      Salary. Mr. Koziar shall receive a base salary at the annual rate of
      $600,000 or such greater amount as the Board of Directors of DPL may determine

       

 

  
     from time to time
      in its sole discretion (the “Base Salary”), to be paid in installments
      in accordance with the Companies’ customary payroll practices.
    

     (b) Participation
      in MICP. For each calendar year during the Term, Mr. Koziar shall
      continue to have the opportunity to receive an annual bonus under DP&L’s
      Management Incentive Compensation Plan (“MICP).  

     (c) Stock Options.
      Options under DPL’s Stock Option Plan, in addition to those previously
      granted to Mr. Koziar, may be granted to Mr. Koziar in DPL’s sole discretion.
    

     (d) Other Incentive
      Programs. During the Term, Mr. Koziar shall have the opportunity
      to participate in other incentive programs in which executive level employees
      of the Companies generally participate.  

     (e) Fringe Benefits.
      During the Term, Mr. Koziar shall be entitled to receive such fringe benefits
      (including, medical, life and disability insurance benefits and retirement
      benefits) as are generally made available to other executive level employees
      of the Companies in accordance with the plans, practices, programs and policies
      of the Companies in effect from time to time, including, without limitation,
      continued participation in DP&L’s Key Employees Deferred Compensation
      Plan. 

  

      Section
  4. Vacations. During the Term, Mr. Koziar shall be entitled to paid
  vacation time of five (5) weeks annually.  

      Section
  5. Expenses. The Companies shall reimburse Mr. Koziar for all reasonable
  out-of-pocket expenses properly incurred by his in connection with the performance
  of his duties hereunder in accordance with the policies established from time
  to time by the Companies, including, without limitation, expenses associated
  with any off premises office and travel to and from such office.  

      Section
  6. Withholdings. The Companies may withhold from any amounts payable
  to Mr. Koziar hereunder such federal, state or local taxes or other amounts
  as the Companies shall be required to withhold pursuant to applicable law. 

      Section
  7. Termination. (a) This Agreement and Mr. Koziar’s employment
  with the Companies may be terminated at any time, with or without cause, by
  either the Companies or Mr. Koziar upon one hundred eighty (180) days’
  prior written notice; provided this Agreement and Mr. Koziar’s employment
  with the Companies may be terminated by the Companies for Cause without prior
  notice.  

           (b)
  In addition, this Agreement and Mr. Koziar’s employment with the Companies
  shall automatically terminate upon Mr. Koziar’s death or Disability; provided,
  however, that in the event of such termination due to Mr. Koziar’s death
  or Disability, the Companies shall pay to Mr. Koziar or his estate the Base
  Salary through December 31, 2005. 

  2

 
           (c)
  Upon the termination of this Agreement for any reason, this Agreement shall
  forthwith be of no further force and effect and there shall be no further liability
  on the part of either party, other than based upon (i) its obligations under
  this Agreement arising or accruing prior to such termination, (ii) the obligations
  of such party contained in any other agreement between the parties, including,
  without limitation, any agreement providing for the payment of benefits in the
  event of a change of control of the Companies, or (iii) the obligations in Section
  7(b) above or in Section 7(d) below, if applicable.  

           (d)
  In addition to the obligations under (c) above, if this Agreement is terminated
  prior to the expiration of the Term by (i) the Company without Cause (other
  than after a change of control, as a result of which, Mr. Koziar is entitled
  to payment of benefits under any other agreement with the Companies), or (ii)
  by Mr. Koziar, and at the time of such determination, any of the following executive
  positions are filled by more than one person: President or Chief Operating Officer
  of 1) DPL, 2) DP&L or 3) DPL Energy LLC, then;  

                (aa)
  the Companies shall continue to pay Mr. Koziar the Base Salary under Section
  3(a) through December 31, 2005;  

                (bb)
  DP&L shall pay to Mr. Koziar in accordance with the terms of the MICP the
  annual bonus that he would have received under the MICP for the year during
  which termination occurs had he been in the employ of the Companies under this
  Agreement as of the last day of such year;  

                
  (cc) any unvested options granted to Mr. Koziar under DPL’s Stock Option
  Plan shall be deemed to be fully vested as of the date of termination notwithstanding
  the provisions of any agreement between Mr. Koziar and DPL with respect to such
  options; and  

                (dd)
  through December 31, 2005, Mr. Koziar shall be on call to assist the Company
  in effecting a transition to a successor to his positions; provided, however,
  that during such period (1) Mr. Koziar shall not be required to perform such
  transition services for more than 80 hours per month with the scheduling of
  such services to be as mutually agreed between Mr. Koziar and the Companies;
  (2) the Companies at their expense shall provide Mr. Koziar with the use of
  corporate aircraft in order to enable Mr. Koziar to perform such services; (3)
  the Companies shall provide and/or reimburse Mr. Koziar for the cost of an executive
  office in the location of his designated residence to facilitate Mr. Koziar’s
  performance of such services; and (4) Mr. Koziar shall continue to be entitled
  to reimbursement under Section 5 hereof.  

      Section 8. Confidentiality.
  During the Term and indefinitely thereafter, Mr. Koziar (i) shall keep and
  hold all confidential, nonpublic and/or proprietary information (including,
  without limitation, any information which may constitute a “trade secret”
  within the meaning of Ohio law) of, or relating to, either of Companies or any
  of their subsidiaries or affiliates in strict confidence and (ii) shall not,
  directly or indirectly, use or disclose to any person or entity any of such
  information, except to the extent that any such use or disclosure is related
  to the performance of his duties hereunder. Upon termination of this Agreement,
  Mr. Koziar shall  

  3

 
 promptly return to the
  Companies all documents or other written or computer readable material containing
  or reflecting any of such confidential information in his possession or control.
   

      Section
  9. Indemnification. The Companies shall indemnify Mr. Koziar against
  any and all losses, liabilities, damages, expenses (including attorneys’
  fees), judgments, fines and amounts paid in settlement incurred by Mr. Koziar
  in connection with any claim, action, suit or proceeding (whether civil, criminal,
  administrative or investigative), including any action by or in the right of
  either of the Companies, by reason of any act or omission to act in connection
  with the performance of his duties hereunder to the full extent that the Companies
  are permitted to indemnify a director, officer, employee or agent against the
  foregoing under Ohio law, including, without limitation, Section 1701.13(E)
  of the Ohio Revised Code. The Companies shall at all times cause Mr. Koziar
  to be included, in his capacities hereunder, under all directors’ and officers’
  liability insurance coverage (or similar insurance coverage) maintained by either
  of the Companies from time to time.  

      Section
  10. Legal Expenses. The Companies shall reimburse Mr. Koziar in full
  for all legal fees and expenses reasonably incurred by him in connection with
  this Agreement (including, without limitation, any such fees and expenses incurred
  in contesting or disputing any termination of this Agreement or in seeking to
  obtain or enforce any right or benefit provided herein, regardless of the outcome,
  unless, in the case of a legal action brought by Mr. Koziar or in his name,
  a court finally determines that such action was not brought in good faith).
   

      Section
  11. Certain Definitions. For purposes of this Agreement, the following
  terms have the following meanings:  

      “Cause”
  means (i) the commission of a felony, (ii) embezzlement, (iii) the illegal
  use of drugs or (iv) the failure by Mr. Koziar to substantially perform his
  duties hereunder (other than any such failure resulting from his physical or
  mental illness or other physical or mental incapacity) as determined by the
  Board of Directors of DPL. Notwithstanding the foregoing, “Cause”
  shall not be deemed to exist unless and until there shall have been delivered
  to Mr. Koziar a copy of a resolution duly adopted by the written consent of
  not less than three-fourths of the number of directors of DPL then in office
  (after reasonable notice to Mr. Koziar and an opportunity for Mr. Koziar, together
  with his counsel, to be heard at a meeting of the Board of Directors of DPL
  called and held for that purpose), finding that in the good faith opinion of
  the Board of Directors, Mr. Koziar was guilty of conduct set forth in clauses
  (i), (ii), (iii) or (iv) of the preceding sentence and specifying the particulars
  thereof in detail.  

      “Disability”
  means the inability of Mr. Koziar to perform his duties hereunder for a period
  of six consecutive months because of physical or mental illness or other physical
  or mental disability or incapacity, followed by the Companies giving Mr. Koziar
  30 days’ written notice of its intention to terminate this Agreement by
  reason thereof and Mr. Koziar’s failure because of such physical or mental
  illness or other physical or mental disability or incapacity to resume the performance
  of his duties hereunder within such 30 day period and thereafter perform the
  same for a period of two consecutive months.  

  4

 
      Section
  12. Parties in Interest. This Agreement is for the sole benefit of the
  parties and shall not create any rights to any person not a party. This Agreement
  is personal and may not be assigned by any party without the prior written consent
  of the other party. Subject to the foregoing, this Agreement shall be binding
  upon, inure to the benefit of, and be enforceable by, the respective successors
  and assigns of the parties, but on assignment shall, of itself, relieve any
  party of its obligations hereunder. 

      Section
  13. Entire Agreement. This Agreement sets forth the entire
  agreement and understandings of the parties in respect to the subject matter
  hereof.  

      Section
  14. Interpretation. The section and other headings contained in this
  Agreement are for reference purposes only and shall not affect in any way the
  meaning or interpretation of this Agreement. Words used in this Agreement in
  the singular number shall include the plural, and vice versa, unless the context
  requires otherwise. Words of gender used in this Agreement may be read as masculine,
  feminine or neuter as the context may require. The terms “this Agreement”,
  “hereto” “herein”, “hereby”, “hereof”
  and similar expressions refer to this Agreement in its entirety and not to any
  particular provision or portion of this Agreement. When a reference is made
  to Sections, such reference shall be to a Section of this Agreement, unless
  otherwise indicated. Whenever the words “include”, “includes”
  or “including” are used herein, they shall be deemed to be followed
  by the words “without limitation”. 

      Section
  15. Law Governing. This Agreement shall be governed by, and construed
  and enforced in accordance with, the laws of the State of Ohio without regard
  to its conflicts of laws rules. 

      Section
  16. Counterparts. This Agreement may be executed simultaneously in two
  or more counterparts, each of which shall be deemed an original but all of which
  taken together shall constitute one and the same instrument.  

      Section
  17. Amendment. Any amendment to this Agreement or any waiver of rights
  or any consent hereunder shall not be operative unless it is in writing and
  signed by the party sought to be charged.  

      Section
  18. Severability. If any provision of this Agreement or the application
  thereof to any party or circumstance shall be held invalid or unenforceable
  to any extent, the remainder of this Agreement and the application of such provision
  to another party or circumstance shall not be affected thereby and such provision
  shall be enforced to the greatest extent permitted by applicable law. 

      Section
  19. Waiver. The failure or delay on the part of any party to insist
  upon strict performance of any of the terms or conditions of this Agreement
  will not constitute a waiver of any of its rights hereunder. No right or remedy
  herein conferred upon or reserved to any party is intended to be exclusive of
  any other right or remedy and all such rights and remedies shall be cumulative.
   

  5

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

	 	DPL INC.
      
	 	 	 
	 	By: 	 
	 	 	

	 	 Its:	 
	 	 	

	 	 	 
	 	THE DAYTON
      POWER AND
 LIGHT
      COMPANY 
	 	 
	 	By: 	 
	 	 	

	 	 Its:	 
	 	 	

	 	 	 
	 	 	 
	 	 	 
	 	

	 	Stephen
      F. Koziar, Jr.
	 	 	 

  6

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