Document:

EX-10.28

Exhibit 10.28

AMENDMENT NO. 3

dated as of June 30, 2005

to

CREDIT AGREEMENT

dated as of October 30, 2003

between

COLLEGIATE FUNDING SERVICES, L.L.C.,

as Borrower

COLLEGIATE FUNDING SERVICES, INC.

(f/k/a CFSL Corp., f/k/a CFSL Holdings Corp.),

as Parent Guarantor

THE SUBSIDIARY GUARANTORS REFERRED TO HEREIN,

as Subsidiary Guarantors

THE LENDERS NAMED HEREIN,

as Lenders

and

JPMORGAN CHASE BANK, N.A.,

as Administrative Agent

1

AMENDMENT NO. 3

AMENDMENT NO. 3 dated as of June 30, 2005 (this “Amendment No. 3”) to the Credit
Agreement referred to below, between COLLEGIATE FUNDING SERVICES, L.L.C. (the “Borrower”),
COLLEGIATE FUNDING SERVICES, INC. (f/k/a CFSL Corp., f/k/a CFSL Holdings Corp.) (the
“Parent”), the SUBSIDIARY GUARANTORS party hereto (the “Subsidiary Guarantors” and,
together with the Parent, the “Guarantors”), the LENDERS party hereto (the
“Lenders”), and JPMORGAN CHASE BANK, N.A., as Administrative Agent (the “Administrative
Agent”).

The Borrower, the Guarantors, the Lenders and the Administrative Agent are parties to a Credit
Agreement dated as of October 30, 2003 (as heretofore modified and supplemented and in effect on
the date hereof immediately prior to the effectiveness of this Amendment No. 3, the “Credit
Agreement”), providing, subject to the terms and conditions thereof, for loans to be made by
said Lenders to the Borrower in an aggregate principal amount not exceeding $30,000,000 at any one
time outstanding.

Section 1. Definitions. Except as otherwise defined in this Amendment No. 3, terms
defined in the Credit Agreement are used herein as defined therein.

Section 2. Amendments. Subject to the satisfaction of the conditions precedent
specified in Section 4, but effective as of the date hereof, the Credit Agreement shall be amended
as follows:

2.01. General References. References in the Credit Agreement (including
references to the Credit Agreement as amended hereby) to “this Agreement” (and indirect
references such as “hereunder”, “hereby”, “herein” and “hereof”) shall be deemed to be
references to the Credit Agreement as amended hereby.

2.02. Certain Definitions. The definition of “Commitment Termination Date” in
Section 1.01 of the Credit Agreement shall be amended in its entirety as follows:

“Commitment Termination Date” means October 7, 2005 or, if such date is
not a Business Day, the immediately preceding Business Day.

2.03. Investments. Section 7.05 of the Credit Agreement shall be amended by
replacing the figure “$5,000,000” appearing in clause (i) thereof with the figure
“$20,000,000”.

2.04. Operating Leases. Section 7.09 of the Credit Agreement shall be amended
by replacing the figure “$2,500,000” appearing in clause (g) thereof with the figure
“$3,000,000”.

Section 3. Representations and Warranties. Each Obligor represents and warrants to
the Lenders, both immediately prior to this Amendment No. 3 becoming effective and after giving
effect thereto, that (a) the representations and warranties of such Obligor set forth in Article IV
of the Credit Agreement and in each of the other Credit Documents to which it is a party, are true
and correct on and as of the date hereof with the same force and effect as if made on and as of the
date hereof (or, if any such representation and warranty is expressly stated to have been made as
of a specific date, as of such specific date) and as if each reference in said Article IV to “this
Agreement” (or words of similar import) or in such other Credit Documents to “the Credit Agreement”
(or words of similar import) included reference to this Amendment No. 3 and (b) no Default has
occurred and is continuing.

Section 4. Conditions Precedent. The amendments to the Credit Agreement set forth in
Section 2 shall become effective as of the date hereof upon the satisfaction on or before July 6,
2005 of each of the following conditions precedent:

4.01. Amendment No. 3. The Administrative Agent shall have received one or
more counterparts of this Amendment No. 3 executed by each Obligor and each Lender.

4.02. Corporate Documents. The Administrative Agent shall have received such
documents and certificates as the Administrative Agent or its counsel may reasonably request
relating to the organization, existence and good standing of each Obligor, the authorization
of the transactions contemplated by this Amendment No. 3 and any other legal matters
relating to the Obligors, this Amendment No. 3 or the transactions contemplated hereby, all
in form and substance satisfactory to the Administrative Agent and its counsel.

4.03. Officer’s Certificate. The Administrative Agent shall have received a
certificate, dated the date hereof and signed by a Financial Officer of the Borrower, in
respect of the matters set forth in Section 3, in form and substance satisfactory to the
Administrative Agent and its counsel.

4.04. Payment of Fees. The Administrative Agent shall have received evidence
satisfactory to the Administrative Agent of payment (or irrevocable instructions for
payment) by the Borrower in full of the fees provided for in the fee letter dated June 28,
2005 addressed by the Borrower to the Administrative Agent (including the reasonable accrued
fees and expenses of counsel to JPMCB) in connection with this Amendment No. 3.

4.05. Other Documents. The Administrative Agent shall have received such other
documents as the Administrative Agent may reasonably request.

Section 5. Confirmation of Guarantees and Security Interests. Each of the
Guarantors, by its execution of this Amendment No. 3, hereby consents to this Amendment No. 3 and
confirms and ratifies that all of its obligations as a Guarantor under the Credit Agreement
(including, without limitation, Article III thereof) shall continue in full force and effect for
the benefit of the Administrative Agent and the Lenders with respect to the Credit Agreement as
amended hereby. Each of the Obligors, by its execution of this Amendment No. 3, hereby confirms
that the security interests granted by it under each of the Security Documents to which it is a
party shall continue in full force and effect in favor of the Administrative Agent for the benefit
of the Lenders and the Administrative Agent with respect to the Credit Agreement as amended hereby.

Section 6. Miscellaneous. Except as herein provided, the Credit Agreement shall
remain unchanged and in full force and effect. This Amendment No. 3 may be executed in any number
of counterparts, all of which taken together shall constitute one and the same amendatory
instrument and any of the parties hereto may execute this Amendment No. 3 by signing any such
counterpart. This Amendment No. 3 shall be governed by, and construed in accordance with, the law
of the State of New York.

2

IN WITNESS WHEREOF, the parties hereto have caused this Amendment No. 3 to be duly executed
and delivered as of the day and year first above written.

BORROWER

COLLEGIATE FUNDING SERVICES, L.L.C.

by COLLEGIATE FUNDING SERVICES, INC.,

as member

By      

Name:

Title:

U.S. Tax I.D. Number for the Borrower:

54-1905639

Address for the Borrower:

Collegiate Funding Services, L.L.C.

10304 Spotsylvania Avenue

Fredericksburg, VA 22408

PARENT GUARANTOR

	 	 	 	COLLEGIATE FUNDING SERVICES, INC. (f/k/a CFSL Corp., f/k/a
CFSL Holdings Corp.)

By      

Name:

Title:

SUBSIDIARY GUARANTORS

COLLEGEXIT.COM, L.L.C.

By      

Name:

Title:

CFS SERVICING, LLC

By      

Name:

Title:

CFS-SUNTECH SERVICING LLC

By      

Name:

Title:

MEMBERS CONNECT INC.

By      

Name:

Title:

EGRAD INC.

By      

Name:

Title:

COLLEGE PUBLISHER, INC.

By      

Name:

Title:

3

LENDERS

JPMORGAN CHASE BANK, N.A.,

individually and as Administrative Agent

By      

Name:

Title:

BANK OF AMERICA, N.A.

By      

Name:

Title:

4Form of Supplement

    EXHIBIT
      10.01

    

    SUPPLEMENT

    

    This
      Supplement, dated July 14, 2005, by and between eLinear, Inc., a Delaware
      corporation (the “Company”), and [___________] (the “Purchaser”), amends that
      certain Securities Purchase Agreement, dated February 28, 2005, by and between
      the Company and Purchaser (the “Securities Purchase Agreement”); that certain
      Registration Rights Agreement, dated February 28, 2005, by and between the
      Company and the Purchaser (the “Registration Rights Agreement”); and that
      certain Secured Convertible Term Note, dated February 28, 2005, by the Company
      in favor of Purchaser for the total principal amount of $5,000,000 (the “Note”);
      the Restricted Account Side Agreement, dated February 28, 2005, by and between
      the Company and Purchaser (the “Restricted Account Side Letter”, collectively,
      with the Security Purchase Agreement, the Related Agreements (as defined in
      the
      Securities Purchase Agreement), the Note, and the Registration Rights Agreement,
      the “Funding Documents”).

     

    PREAMBLE

    

    WHEREAS,
      pursuant to the Funding Documents, the Purchaser agreed to loan the Company
      a
      total principal amount of $5,000,000 (“Loan Amount”), $1,140,000 was funded to
      the Company at Closing and the remaining $3,860,000 was funded to the Restricted
      Account (as defined in the Securities Purchase Agreement), convertible into
      shares of the Company’s common stock (the “Note Shares”) at an initial fixed
      conversion price of $1.00;

     

    WHEREAS,
      pursuant
      to the Funding Documents, the Company agreed to register the Note
      Shares;

     

    WHEREAS,
      pursuant to the Funding Documents, the Purchaser was granted a warrant to
      purchase 750,000 shares the Company common stock (the “Warrant”); 

     

    WHEREAS,
      pursuant to the terms of the Funding Documents, the Company filed a registration
      statement with the United States Securities and Exchange Commission (“SEC”) on
      March 22, 2005 (the “Registration Statement”); 

     

    WHEREAS,
      the SEC
      has determined that the Purchaser is not irrevocably bound to purchase the
      Note
      Shares attributable to the conversion of the Loan Amount held in the Restricted
      Account and therefore the shares attributable to such amount may not be
      registered until the Purchaser is irrevocably bound; and

     

    WHEREAS,
      the
      Purchaser and the Company desire to amend the transactions contemplated by
      the
      Funding Documents, to allow (i) the Purchaser to release, as of the date hereof,
      the sum of $3,886,603.85, representing all funds held in the Restricted Account
      as of the date hereof, which funds shall be disbursed as follows: $886,603.85
      will be funded to the Company, and $3,000,000 will be funded to the Purchaser
      in
      pre-payment of $3,000,000 of the principal amount of the Note, without incurring
      any penalties or premiums; (ii) the Company to register the shares issued or
      issuable upon the conversion of the Amended and Restated Note issued in
      connection with this Supplement for the total principal amount of $2,106,069.44,
      the Warrant Shares (as defined in the Securities Purchase Agreement), and the
      shares issued or issuable upon the exercise of the warrants issued to the
      Purchaser and the other investors, as of the date hereof; (iii) to provide
      the
      Purchaser and the other investors who entered documents having substantially
      identical terms to the Funding Documents a right of first refusal; and (iv)
      to
      issue Purchaser warrants to purchase an aggregate 708,333 shares of Common
      Stock, a form of the warrants are attached hereto as Exhibit
      A
      and
Exhibit
      B
      (collectively, the “Supplemental Warrants”).

     

    NOW,
      THEREFORE,
      in
      consideration of the covenants, agreements and conditions hereinafter set forth,
      and other good and valuable consideration, the receipt and sufficiency of which
      are hereby acknowledged, the parties hereto agree as follows:

     

    	1.  	
            Terms
              of this Supplement.

          

     

              1.1  Release
      of Funds and Prepayment.
      As of
      the date hereof, the Purchaser shall release the amounts held in the Restricted
      Account, of which $3,000,000 shall be transferred to the Purchaser in payment
      of
      $3,000,000 of the principal amount of the Note without penalties or premiums,
      and the remaining amount of $886,603.85 shall be transferred to the Company
      pursuant to the wire transfer instructions provided by the Company to the
      Purchaser. Subsequent to the release of the funds from the Restricted Account,
      the Restricted Account shall be closed and the Restricted Account Agreement
      and
      the Restricted Account Side Letter shall be terminated.

     

    1.2  Warrants.
      The
      Company will issue and deliver to Purchaser the Supplemental Warrants.

     

           (a)  
      In
      connection with the issuance of the Supplemental Warrants, the Purchaser
      represents and warrants that the representations contained in Section 5.3
      through 5.7 of the Securities Purchase Agreement are true and correct as of
      the
      date hereof. 

     

    	(b)  	
            The
              Supplemental Warrants shall contain the following
              legend:

          

     

    "THIS
      WARRANT AND THE COMMON SHARES ISSUABLE UPON EXERCISE OF THIS WARRANT HAVE NOT
      BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR ANY APPLICABLE
      STATE SECURITIES LAWS. THIS WARRANT AND THE COMMON SHARES ISSUABLE UPON EXERCISE
      OF THIS WARRANT MAY NOT BE SOLD, OFFERED FOR SALE, PLEDGED OR HYPOTHECATED
      IN
      THE ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT AS TO THIS WARRANT OR THE
      UNDERLYING SHARES OF COMMON STOCK UNDER SAID ACT AND APPLICABLE STATE SECURITIES
      LAWS OR AN OPINION OF COUNSEL REASONABLY SATISFACTORY TO ELINEAR, INC. THAT
      SUCH
      REGISTRATION IS NOT REQUIRED.”

     

    (c) The
      shares issuable pursuant to the Supplemental Warrants, if not issued by DWAC
      system (as defined in the Securities Purchase Agreement), shall bear a legend
      which shall be in substantially the following form until such shares are covered
      by an effective registration statement filed with the SEC:

     

    "THE
      SHARES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE
      SECURITIES ACT OF 1933, AS AMENDED, OR ANY APPLICABLE STATE SECURITIES LAWS.
      THESE SHARES MAY NOT BE SOLD, OFFERED FOR SALE, PLEDGED OR HYPOTHECATED IN
      THE
      ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT UNDER SUCH SECURITIES ACT AND
      APPLICABLE STATE LAWS OR AN OPINION OF COUNSEL REASONABLY SATISFACTORY TO
      ELINEAR, INC. THAT SUCH REGISTRATION IS NOT REQUIRED."

     

    	2.  	
            Waiver
              and Release by the Purchaser.

          

     

    2.1 Possible
      Violation of Section 5 of the Securities Act.
      The
      Purchaser, its respective officers, directors, agents, affiliates, control
      persons, and principal shareholders (the “Purchaser Affiliates”), hereby waive
      and release the Company, its respective officers, directors, agents, affiliates,
      control persons, and principal shareholders (the “Company Affiliates”), from any
      and all claims, costs, expenses, liabilities, obligations, losses or damages
      of
      any nature (the “Losses”), incurred by or relating to any possible violation of
      Section 5 of the Securities Act of 1933, as amended, that may have occurred
      prior to the date hereof upon the Closing of the Securities Purchase Agreement,
      the filing of the Registration Statement, or the execution of this
      Supplement.

     

    2.2 The
      Registerable Securities.
      The
      Purchaser and the Purchaser Affiliates hereby waive and release the Company
      and
      the Company Affiliates from the Losses, including any fees, penalties or
      liquidated damages provided for in the Registration Rights Agreement, existing
      as of the date hereof, incurred by or relating to the Company’s failure to
      register the Registerable Securities (as defined in the Registration Rights
      Agreement prior to this Supplement) in accordance with the Funding Documents.
      

     

    3.  Securities
      Purchase Agreement.

     

    3.1 Defined
      Terms.
      Defined
      terms not defined in this Section 3 shall have the meaning set forth in the
      Securities Purchase Agreement.

    

    3.2 The
      first
      sentence of Section 6.18 of the Securities Purchase Agreement shall be replaced
      in its entirety with the following: 

     

    “6.18 Pro
      Rata Requirement.
      The
      Company hereby agrees that if the Company takes any action or omits to take
      any
      action in connection with or relating to this Agreement or any of the Related
      Agreements (collectively, the "Transaction Documents"), including, without
      limitation, any prepayments, redemptions, repayments, conversions,
      determinations as to payments in cash or stock or a combination of stock or
      cash
      or otherwise, then it must simultaneously take the similar action or omission,
      pro rata as applicable, with respect to the documents having substantially
      identical terms to the Transaction Documents issued and entered into on February
      28, 2005 with certain other investors (the “Other Investors”) and which are
      amended in documents having substantially identical terms to the Supplement
      (the
      "Other Investor Transaction Documents" and collectively with the Transaction
      Documents, the "February Transaction Documents").”

    

    3.3 Article
      6
      of the Securities Purchase Agreement shall be amended by adding the following
      provision: 

     

    “6.20 Participation
      in Future Financing." 

     

    (a) From
      the
      date of this Supplement until 12 months after the Effective Date (as defined
      in
      the Registration Rights Agreement), the Company shall not effect a financing
      of
      its Common Stock, or any security of the Company, or its subsidiaries, which
      would entitle the holder thereof to acquire at any time Common Stock, including
      without limitation, any debt, preferred stock, rights, options, warrants or
      other instrument that is at any time convertible into or exchangeable for,
      or
      otherwise entitles the holder thereof to receive, Common Stock (a “Subsequent
      Financing”) unless (i) the Company delivers to Purchaser a written notice at
      least five (5) trading days prior to the closing of such Subsequent Financing
      (the “Subsequent Financing Notice”) of its intention to effect such Subsequent
      Financing; and (ii) such Purchaser shall not have notified the Company by 6:30
      p.m. (New York City time) on the fifth (5th)
      trading
      day after the delivery of the Subsequent Financing Notice of its willingness
      to
      provide, subject to completion of mutually acceptable documentation, all or
      part
      of such financing to the Company on the same terms set forth in the Subsequent
      Financing Notice. The Subsequent Financing Notice shall describe in reasonable
      detail the proposed terms of such Subsequent Financing, the amount of proceeds
      intended to be raised thereunder and attached to which shall be a term sheet
      or
      similar document relating thereto.

     

    (b) Notwithstanding
      the foregoing, Purchaser’s right to participate in a Subsequent Financing is
      limited by (i) the rights granted to the Other Investors to participate in
      the
      Subsequent Financing on the same terms as Purchaser; and (ii) the rights granted
      to the Purchaser and the Other Investors as a group is limited to 60% of the
      aggregate financing offered in a Subsequent Financing. Therefore, Purchaser
      may
      participate in up to 25% (60% multiplied 41.67%, the Purchaser’s pro
      rata
      contribution to the aggregate amount of financing contemplated in the February
      Transaction Documents); provided however, that the Company may, at its
      discretion, allow the Purchaser to participate at a greater percentage.
      Notwithstanding the foregoing, if no Other Investors participate in a Subsequent
      Financing, Purchaser, at its sole discretion, may contribute up to 60% of the
      aggregate financing offered in a Subsequent Financing. 

     

    (c) If
      Purchaser fails to notify the Company of its willingness to participate in
      the
      Subsequent Financing, the Company may affect the Subsequent Financing on the
      same material terms set forth in the Subsequent Financing Notice. If the
      Subsequent Financing is not consummated for any reason on the same material
      terms set forth in the Subsequent Financing Notice within 60 calendar days
      after
      delivery of the Subsequent Financing Notice, then the Company must provide
      the
      Purchaser with a new Subsequent Financing Notice, and the Purchaser will again
      have the right of first refusal set forth above in this Section 6.20.

     

    (d) Notwithstanding
      the foregoing, this Section 6.20 shall not apply in respect of the issuance
      of
      (a) shares of Common Stock or options to employees, consultants, officers or
      directors of the Company pursuant to any stock or option plan duly adopted
      by a
      majority of the non-employee members of the Board of Directors of the Company
      or
      a majority of the members of a committee of non-employee directors established
      for such purpose; (b) securities upon the exercise of or conversion of any
      convertible securities, options or warrants issued and outstanding on the date
      of this Agreement; or (c) securities issued pursuant to any acquisition or
      strategic transactions, provided that such issuance shall only be to a Person
      which is, itself or through its subsidiaries, an operating company in a business
      synergistic with the business of the Company or any of Company’s subsidiaries
      and in which the Company receives benefits in additional to the investment
      of
      funds, but shall not include a transaction in which the Company is issuing
      securities primarily for the purpose of raising capital or to an entity whose
      primary business is investing in securities.”

     

    3.4 Incorporation. 
      The
      terms of this Section 3 shall be incorporated throughout the Securities Purchase
      Agreement. 

     

    4. Note.
      

     

    The
      Company shall issue the Purchaser an Amended and Restated Note which is attached
      and incorporate herein as Exhibit
      C.
      The
      Amended and Restated Note shall include the following changes:

     

    4.1 Defined
      Terms.
      Defined
      terms not defined in this Section 4 shall have the meaning set forth in the
      Note.

    

    4.2 The
      Maturity date shall be February 1, 2008.

     

    4.3 The
      “Amortizing Principal Amount” shall be $2,106,069.44, which shall include (i)
      $1,140,000 of the original principal amount of the Note; (ii) $860,000 of the
      amounts released from the Restricted Account to the Borrower pursuant to this
      Supplement; and (iii) 106,069.44, the amount of interest accrued on the
      Principal Amount from April 1, 2005 until the date hereof.  

     

    4.4 The
      Monthly Principal Amount shall be $67,937.72.

     

    5. Registration
      Rights Agreement.

     

    5.1 Defined
      Terms.
      Defined
      terms not defined in this Section 5 shall have the meaning set forth in the
      Registration Rights Agreement. 

     

    5.2 Section
      1
      shall be amended by replacing the following definitions in their entirety with
      the following:

    

    “‘Effectiveness
      Date’ means (i) with respect to the initial Registration
      Statement required to be filed hereunder, a date no later than one hundred
      and
      five (105) days following the date of this Supplement; and (ii) with respect
      to
      each additional Registration Statement required to be filed hereunder, a date
      no
      later than sixty (60) days following the Filing Date.

    ‘Filing
      Date’ means, with respect to (i) the Initial Registration Statement required to
      be filed hereunder, a date no later than 30 days following the date of this
      Supplement; and (ii) with respect to shares of Common Stock issuable to the
      Holder as a result of adjustments to the Fixed Conversion Price made pursuant
      to
      Section 3.4 of the Secured Convertible Term Note or Section 4 of the Warrant
      or
      otherwise, sixty (60) days after the occurrence of such event.

    

    ‘Registrable
      Securities’ means the shares of Common Stock issued or issuable upon (i) the
      conversion of the Amortizing Principal Amount of the Note; (ii) the exercise
      of
      the Warrant; (iii) the conversion or exercise of the principal amount of the
      notes and warrants issued to the Other Investors on the same terms and
      conditions of the Notes and Warrant; and (iv) the exercise of the warrants,
      issued by the Company as of the date of this Supplement, to purchase up to
      991,667 shares of Common Stock.”

    

    5.3 Section
      2(b) of the Registration Rights Agreement shall be amended by adding the
      following sentence:

     

    “Notwithstanding
      the foregoing, if the Company incurs any fees, penalties or liquidated damages
      pursuant to this Section 2(b) because of any delay that is caused by the SEC’s
      belief that the transaction contemplated by this Supplement is inconsistent
      with
      the guidance set out in the Corporation Finance Division’s guidance on PIPE
      transactions (3.S.) contained in the March 1999 Supplement of the Corporation
      Finance Telephone Interpretations, then the Company will only be required to
      pay
      the Purchaser 50% of the total fees, penalties or liquidated damages incurred
      as
      a result of such delay.”

     

    5.4 Incorporation. 
      The
      terms of this Section 5 shall be incorporated throughout the Registration Rights
      Agreement. 

     

    6. Warrant.

     

    6.1 Defined
      Terms.
      Defined
      terms not defined in this Section 6 shall have the meaning set forth in the
      Warrant

     

    6.2 Section
      14 of the Warrant shall be amended by adding the following to the end of the
      sentence:

     

    “during
      the term of that certain Amended and Restated Secured Convertible Term Note,
      dated July 14, 2005.”

     

    6.3 Incorporation. 
      The
      terms of this Section 6 shall be incorporated throughout the Warrant.

     

    
      
        
           

          

           

        

         

      

      
         

        
          

        

      

      
         

      

    

    

     

    

     

    IN
      WITNESS WHEREOF,
      each of
      the parties hereto has executed this Amendment or has caused this Amendment
      to
      be executed on its behalf by a representative duly authorized, all as of the
      date first above set forth.

     

    

    
      	
              COMPANY:

            	 	
              PURCHASER:

            
	 	 	 
	
              ELINEAR,
                Inc.

            	 	 
	 	 	 
	 	 	 
	
              By:

            	 	 	
              By:

            	 
	
              Name:

            	
              Michael
                Lewis

            	 	
              Name:

            	 
	
              Title:

            	
              Chief
                Executive Officer

            	 	
              Title:

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