Document:

Form of 2009 Restricted Stock Unit Award Agreement for F. Michael Crowley

 Exhibit 10.3 
 FORM OF 2009 RESTRICTED STOCK UNIT AWARD AGREEMENT 
 FOR F. MICHAEL CROWLEY 
 MARKEL CORPORATION 
 RESTRICTED
STOCK UNIT 
 AWARD AGREEMENT 
  

															
		 	AWARDED TO	 		 		  	AWARD DATE	 		  	VESTING SCHEDULE1
								
	 	 	  	 	 	 	 	  	  	 	 	  	 VESTING
 DATE
	  	PERCENTAGE
OF UNITS
		 		 		 		  		 		  		  	

 MARKEL CORPORATION (the "Company") grants you (the “Participant”) the opportunity to
receive restricted stock units ("Units"). The number of Units will be based on performance conditions as specified below. Until the Vesting Date, except as specifically provided below, the Units are forfeitable and nontransferable. The Compensation
Committee of the Company’s Board of Directors (the "Committee") will administer this Agreement and any decision of the Committee will be final and conclusive. Capitalized terms not defined here have the meanings provided in the Markel
Corporation Omnibus Incentive Plan (the “Plan”). 
 The terms of the award are: 
  

	 	1.	Performance Conditions: The performance conditions are set forth on Exhibit A. Upon certification by the Committee of the completion of the performance conditions, the dollar
equivalent of the percentage of salary will be determined. The Participant will receive a number of Units determined by dividing the dollar equivalent by the Fair Market Value of a share of Company common stock. The Fair Market Value will be
determined by using the average of the reported high and low prices of the Company’s common stock on the New York Stock Exchange (or, if the Company’s common stock is not traded on the New York Stock Exchange, on the principal market on
which the Company’s common stock is traded) on the date that the completion of the performance conditions is certified by the Committee or its designee (the “Determination Date”). No Units will be awarded hereunder if the Participant
separates from service for any reason before the Determination Date. 

  

	 1
	 If necessary or appropriate to ensure orderly administration of the Company’s payroll and tax reporting
obligations, the Company may accelerate vesting and payment of restricted stock units up to a maximum of thirty days before the date on which such restricted stock units would otherwise have vested and been paid. 

  

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	 	2.	Vesting For Units. If the Participant has not separated from service before the Vesting Date, the Units will become vested and nonforfeitable, and the Company will issue to
the Participant for each vested Unit a share of common stock of the Company on that date or as soon as administratively practicable (but in any event no later than 90 days) thereafter. 

  

	 	3.	Forfeiture of Units. If the Participant separates from service before the Vesting Date in circumstances other than as described in (a)-(d) below, any unvested Units will
be forfeited. If the Participant separates from service due to Retirement, dies or incurs a Disability before the Vesting Date as set forth in (a) below, the unvested Units will become fully vested and non-forfeitable, and shares will be issued
on the date on which the Participant’s Retirement, death or Disability occurs or as soon as administratively practicable (but in any event no later than 90 days) thereafter, subject in the case of the Participant’s Retirement to
Section 5 below. If the Participant separates from service before the Vesting Date in the circumstances set forth in (b) or (c) below, the number of Units set forth in this Award will be vested on a pro rata basis based on a fraction
of the number of full months from the first anniversary of the Award Date until the date of termination divided by 60, and shares will be issued on the otherwise applicable Vesting Date, subject to Section 5 below. Any remaining unvested Units
will be forfeited as of the date of separation; except that a Participant who separates from service or whose employment is interrupted due to military service as provided in (c) below and who returns to employment with the Company upon
cessation of such military service before the otherwise applicable Vesting Date will vest in any remaining unvested Units if employed on the Vesting Date. If the Participant separates from service before the Vesting Date in the circumstance set
forth in (d) below, the unvested Units will become fully vested and non-forfeitable, and shares will be issued on the otherwise applicable Vesting Date, subject to Section 5 below. 

  

	 	(a)	The Participant separates from service due to Retirement, dies, or incurs a Disability (as defined below); 

  

	 	(b)	The Participant separates from service due to Early Retirement (as defined in the Plan); 

  

	 	(c)	The Participant separates from service or his employment is interrupted due to military service; or 

  

	 	(d)	The Committee determines that forfeiture should not occur because the Participant had an approved separation from service. The Committee will in its sole discretion determine
whether or not to apply this provision. 

  

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	 	4.	Change in Control. Any unvested Units will become fully vested and non-forfeitable if, within 12 months after a Change in Control (as defined in the Plan), the Participant
separates from service due to Involuntary Termination. For this purpose, Involuntary Termination means that the Participant’s employment is involuntarily terminated without Cause or the Participant terminates his employment for Good Reason. In
either case, shares will be issued for such Units on the otherwise applicable Vesting Date, subject to Section 5 below. 

  

	 	5.	Six Month Delay for Specified Employees. With respect to a Participant who separates from service due to Retirement before the Vesting Date as set forth in Section 3(a)
above, or who separates from service before the Vesting Date as set forth in Sections 3(b), (c) or (d) above or in Section 4, if such Participant is a “specified employee” (as defined in Section 409A(a)(2)(B)(i) of the
Code and the generally applicable Internal Revenue Service guidance thereunder) on the date of his separation, then, notwithstanding anything in Sections 3 or 4 to the contrary, no shares will be issued for his Units until the date that is six
months after the date of his separation (or until the date of his death, if earlier). Any shares which the Participant would otherwise have been entitled to receive during the first six months following the date of his separation will be issued
instead on the date which is six months after the date of his separation (or on the date of his death, if earlier). Whether the Participant is a “specified employee” will be determined under guidelines established by the Company for this
purpose. 

  

	 	6.	Disability Defined. For purposes of this Agreement, the Participant has incurred a “Disability” if the Participant (a) is unable to engage in any substantial
gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in his death or can be expected to last for a continuous period of not less than 12 months or (b) is, by reason of any
medically determinable physical or mental impairment which can be expected to result in his death or can be expected to last for a continuous period of not less than 12 months, receiving income replacement benefits for a period of not less than 3
months under an accident and health plan covering employees of his employer. 

  

	 	7.	Separation from Service Defined. References throughout this Agreement to the Participant’s “separation from service” and variations thereof will have the
meaning set forth in Section 1.409A-1(h) of the Treasury Regulations, as amended from time to time, applying the default terms thereof. 

  

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	 	8.	Forfeiture and Restitution. If during the period of the Participant’s employment and two years thereafter, the Participant (1) becomes associated with, recruits or
solicits customers or other employees of the Employer for, is employed by, renders services to, or owns any interest in (other than any nonsubstantial interest, as determined by the Committee) any business that is in competition with Markel or its
Subsidiaries, (2) has his employment terminated by his Employer for Cause, or (3) engages in, or has engaged in, conduct which the Committee determines to be detrimental to the interests of Markel, the Committee may, in its sole
discretion, (A) cancel this Award, and/or (B) require the Participant to repay by delivery of an equivalent number of shares any payment received under this Award within the previous two years. 

  

	 	9.	Transfer Restrictions. The Participant’s rights to the Units are not subject to sale, assignment, transfer, pledge, hypothecation or encumbrance.

  

	 	10.	Tax Withholding. Unless alternative arrangements are made by the Participant, the Company will withhold from the payment for the vested Units shares with a fair market value
equal to any required foreign, federal, state, or local income, employment or other taxes imposed on the payment. The fair market value will be the closing sale price of the Company's common stock on the New York Stock Exchange on the Vesting Date
(or other applicable date on which payment is made as provided herein). 

  

	 	11.	Binding Effect. Subject to the limitations stated above, this Agreement will be binding upon and inure to the benefit of the Participant's legatees, distributees, and
personal representatives and the successors of the Company. 

  

	 	12.	Change in Capital Structure. The Units will be adjusted as the Committee determines is equitably required in the event of a dividend in the form of stock, spin-off, stock
split-up, subdivision or consolidation of shares of Company Stock or other similar changes in capitalization. 

  

	 	13.	Interpretation. This Agreement will be construed under and be governed by the laws of the Commonwealth of Virginia. THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT
OF VIRGINIA OR THE CIRCUIT COURT FOR THE COUNTY OF HENRICO WILL HAVE EXCLUSIVE JURISDICTION OVER ANY DISPUTES ARISING OUT OF OR RELATED TO THE PLAN OR THIS AGREEMENT. 

  

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	 	14.	Code Section 409A. This Agreement is intended to comply with the applicable requirements of Sections 409A(a)(2) through (4) of the Code, and will be interpreted to
the extent context reasonably permits in accordance with this intent. The parties agree to modify this Agreement or the timing (but not the amount) of any payment to the extent necessary to comply with Section 409A of the Code and avoid
application of any taxes, penalties, or interest thereunder. However, in the event that any amounts payable under this Agreement are subject to any taxes, penalties or interest under Section 409A of the Code or otherwise, the Participant will
be solely liable for the payment thereof. 

 IN WITNESS WHEREOF, the Company has caused this Agreement to be signed, as of the award date shown
above. 
  

			
	MARKEL CORPORATION
		
	By:	 	  

		 	Chairman

  

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 EXHIBIT A 
 PERFORMANCE CONDITIONS 
 2009 AWARD 
 Restricted Stock Units, expressed in dollars as a percentage of base salary, will be awarded based on compound annual growth in book value per share of Markel Common Stock. For 2009, the measurement will be the
performance from January 1, 2009 through December 31, 2009. 
  

				
	 Growth in Book Value Per Share 2005-2009
	  	Bonus As %
of Base Salary	 
	 Under 11%
	  	0	%
	 11%
	  	50	%
	 12%
	  	60	%
	 13%
	  	70	%
	 14%
	  	80	%
	 15%
	  	90	%
	 16%
	  	100	%
	 17%
	  	125	%

 Book value calculations are subject to adjustment to reflect changes in accounting principles, stock repurchases
and capital or other transactions which impact reported book value per share. 
 Notwithstanding any provision of this agreement to the contrary, awards
for 2009 may be reduced to zero if the Company does not achieve a 93% combined ratio for the year. 
  

 6Form of 4.25% Notes due 2015

 Exhibit 4.1 
 UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (THE “DEPOSITARY”), TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND
ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED
BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
 UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR THE INDIVIDUAL SECURITIES REPRESENTED HEREBY, THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY
THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR BY A NOMINEE OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY.

 COCA-COLA ENTERPRISES INC. 
 4.25% NOTES DUE 2015 
  

			
	R-2	  	$300,000,000.00
		
	REGISTERED	  	(Principal Amount)
		
	GLOBAL SECURITY	  	CUSIP: 191219BV5

 COCA-COLA ENTERPRISES INC., a corporation duly organized and existing under the laws of the State
of Delaware (the “Company”), which term includes any successor corporation under the Indenture referred to herein), for value received, hereby promises to pay to CEDE & CO., or registered assigns, the principal sum of Three
Hundred Million Dollars ($300,000,000.00) on March 1, 2015 (the “Stated Maturity Date”), unless redeemed on a Redemption Date (as defined herein) prior to the Stated Maturity Date (the Stated Maturity Date or any Redemption Date is
also referred to herein as the “Maturity Date” with respect to the principal repayable on such date), in such coin or currency of the United States of America as at the time of payment shall be legal tender for the payment of public and
private debts, and to pay interest thereon, in like coin or currency, at a rate of 4.25% per year, computed on the basis of a 360-day year consisting of twelve 30-day months, until the principal hereof is paid or duly made available for
payment, semi-annually in arrears on March 1 and September 1 (each, an “Interest Payment Date”) in each year commencing on September 1, 2009, to the registered holder of this Note (the “Holder”) as of 

 
the close of business on the “Regular Record Date” for such interest payment, which shall be the 15th calendar day preceding the respective Interest Payment Date (whether or not a Business Day (as defined herein)). Interest on this Note will accrue from the most recent Interest
Payment Date to which interest has been paid or duly provided for or, if no interest has been paid, from February 20, 2009, until the principal hereof has been paid or duly made available for payment. If the Maturity Date or an Interest Payment
Date falls on a day which is not a Business Day, principal, premium, if any, and interest payable with respect to such Maturity Date or Interest Payment Date, as the case may be, will be paid on the next succeeding Business Day with the same force
and effect as if made on such Maturity Date or Interest Payment Date, as the case may be, and no interest shall accrue on the amount so payable for the period from and after such Maturity Date or Interest Payment Date. The interest so payable and
punctually paid or duly provided for on any Interest Payment Date will, as provided in the Indenture, be paid to the Person in whose name this Note (or one or more predecessor Notes) is registered at the close of business on the Regular Record Date
for such interest payment. Any such interest not so punctually paid or duly provided for shall forthwith cease to be payable to the Holder on such Regular Record Date and shall be paid to the Persons, and on the notice, as is provided in the
Indenture. As used herein, “Business Day” means each Monday, Tuesday, Wednesday, Thursday and Friday which is not a day on which banking institutions in The City of New York are authorized or obligated by law or executive order to close.

 The Notes will be redeemable, in whole or in part at the option of the Company, at any time, or from time to time, on no less than 30 or
more than 60 days’ notice mailed to the Holders of the Notes to be redeemed, on a date fixed for redemption therefor (a “Redemption Date”) at a redemption price equal to the greater of (a) 100% of the principal amount of the
Notes to be redeemed and (b) the sum of the present values of the Remaining Scheduled Payments (as defined herein) discounted to the Redemption Date on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the
Treasury Rate (as defined herein) plus 0.40% (40 basis points), plus, in either case, accrued and unpaid interest, if any, on the principal amount being redeemed to, but excluding, the Redemption Date. 
 “Treasury Rate” means, with respect to any Redemption Date, the rate per year equal to the semi-annual equivalent yield to maturity (computed
as of the second Business Day immediately preceding such Redemption Date) of the Comparable Treasury Issue (as defined herein), assuming a price for the Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the
Comparable Treasury Price (as defined herein) for such Redemption Date. 
 “Comparable Treasury Issue” means the United States
Treasury security selected by an Independent Investment Banker that would be utilized, at the time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities of comparable maturity to the
remaining term of the Notes to be redeemed. 
 “Independent Investment Banker” means any of the Reference Treasury Dealers (as
defined herein) appointed by the Company. 
  

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 “Comparable Treasury Price” means, with respect to any Redemption Date, (a) the average of
the bid and asked prices for the Comparable Treasury Issue (expressed in each case as a percentage of its principal amount) on the third Business Day preceding such Redemption Date, as set forth in the daily statistical release (or any successor
release) published by the Federal Reserve Bank of New York and designated “Composite 3.30 p.m. Quotations for U.S. Government Securities” or (b) if such release (or any successor release) is not published or does not contain such
prices on such Business Day, (1) the average of the Reference Treasury Dealer Quotations (as defined herein) for such Redemption Date, after excluding the highest and lowest of such Reference Treasury Dealer Quotations, or (2) if fewer
than five such Reference Treasury Dealer Quotations are obtained, the average of all such Quotations. 
 “Reference Treasury Dealer
Quotation” means, with respect to each Reference Treasury Dealer and any Redemption Date, the average of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as a percentage of its principal amount) quoted in
writing by such Reference Treasury Dealer as of 3:30 p.m., New York City time, on the third Business Day preceding such Redemption Date. 
 “Reference Treasury Dealer” means each of Deutsche Bank Securities Inc., RBS Securities Inc., Banc of America Securities LLC, Citigroup Global Markets Inc., HSBC Securities (USA) Inc. and J.P. Morgan Securities Inc. and their
respective successors and any other nationally recognized investment banking firm that is a primary U.S. Government securities dealer in New York City (a “Primary Treasury Dealer”) appointed from time to time by the Company; provided that
if any of the foregoing shall cease to be a Primary Treasury Dealer, the Company shall substitute for such entity another nationally recognized investment banking firm that is a Primary Treasury Dealer. 
 “Remaining Scheduled Payments” means, with respect to each Note to be redeemed, the remaining scheduled payments of the principal thereof and
interest thereon that would be due after the related Redemption Date but for such redemption; provided, however, that, if such Redemption Date is not an Interest Payment Date with respect to such Note, the amount of the next succeeding scheduled
interest payment thereon will be reduced by the amount of interest accrued thereon to, but excluding, such Redemption Date. 
 On and after
the Redemption Date, unless the Company defaults in the payment of the redemption price, interest will cease to accrue on the Notes called for redemption. On or before any Redemption Date, the Company shall deposit with a paying agent (or the
Trustee (as defined herein)) money sufficient to pay the redemption price of and accrued interest on the Notes to be redeemed on such date. 
 This Note is one of a duly authorized issue of securities (hereinafter called the “Securities”) of the Company issued and to be issued under an Indenture dated as of August 1, 2008 (the “Indenture”) between the
Company and Deutsche Bank Trust Company Americas, as trustee (herein called the “Trustee”, which term includes any successor trustee under the Indenture), to which Indenture and all indentures supplemental thereto and the Officers’
Certificate setting forth the form and the terms of the series of Securities reference is hereby made for a statement of the 

  

 3 

 
respective rights, limitation of rights, duties and immunities thereunder of the Company, the Trustee and the Holders and the terms upon which the Notes are,
and are to be, authenticated and delivered. This Note is one of the series of Securities designated as “4.25% Notes due 2015” (the “Notes”) of which $250,000,000 were previously issued on February 20, 2009. The Indenture
does not limit the aggregate principal amount of Securities that may be issued thereunder. 
 Payment of the principal of, premium, if any,
and interest on this Note will be made by wire transfer in immediately available funds to an account maintained by the Depositary for such purpose. 
 The Notes will not be subject to any sinking fund. 
 The Notes are initially limited to an aggregate principal amount of
$550,000,000. The Company may, without notice to or consent of the Holders or beneficial owners of the Notes, issue as a separate offering additional notes having the same ranking, interest rate, maturity and other terms as the Notes. The Notes and
any such additional notes will constitute a single series. 
 The Notes will constitute part of the Company’s unsecured and
unsubordinated obligations and will rank equally in right of payment to all of the Company’s other existing and future unsecured senior obligations. 
 The Notes are subject to the defeasance provisions of the Indenture. 
 If an Event of Default, as defined in
the Indenture, with respect to the Notes shall occur and be continuing, the principal amount hereof may be declared, and upon such declaration shall be due and payable, in the manner, with the effect and subject to the conditions provided in the
Indenture. 
 The Indenture permits, with certain exceptions as therein provided, the amendment thereof and the modification of the rights
and obligations of the Company and the rights of the Holders of the Securities under the Indenture to be effected at any time by the Company and the Trustee with the consent of the Holders of a majority in aggregate principal amount of the
Outstanding (as defined in the Indenture) Securities under the Indenture affected by such amendment and modification. The Indenture also contains provisions permitting the Holders of a majority in principal amount of the Outstanding Securities of
any series under the Indenture, on behalf of the Holders of all Securities of such series, to waive compliance by the Company with certain provisions of the Indenture or such Securities and certain past defaults under the Indenture and their
consequences. Any such consent or waiver by the Holder of this Note shall be conclusive and binding upon such Holder and upon all future Holders of this Note and of any Note issued upon the registration of transfer hereof or in exchange hereof or in
lieu hereof whether or not notation of such consent or waiver is made upon this Note. 
 No reference herein to the Indenture and no
provision of this Note or of the Indenture shall alter or impair the obligation of the Company, which is absolute and unconditional, to pay the principal of and premium, if any, and interest on this Note at the times, places, and rate, and in the
coin or currency, herein prescribed. 
  

 4 

 As provided in the Indenture, and subject to certain limitations therein set forth, the transfer of this
Note may be registered on the Security Register of the Company upon surrender of this Note for registration of transfer at the office or agency of the Company in the Borough of Manhattan, The City of New York, duly endorsed by, or accompanied by a
written instrument of transfer in form satisfactory to the Company and the Security Registrar duly executed by, the Holder hereof or by his attorney duly authorized in writing, and thereupon one or more new Notes of this series having the same terms
as this Note, of authorized denominations, having the same terms and conditions and for the same aggregate principal amount, will be issued to the designated transferee or transferees. 
 The Notes are issuable only in registered form without coupons in denominations of $2,000 and multiples of $1,000 in excess thereof. As provided in the
Indenture, and subject to certain limitations therein set forth, this Note is exchangeable for a like aggregate principal amount of Notes of this series having the same terms as this Note of a different authorized denomination, as requested by the
Holder surrendering the same. 
 No service charge will be made for any such registration of transfer or exchange, but the Company may
require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. 
 Prior to due
presentment of this Note for registration of transfer, the Company, the Trustee and any agent of the Company or the Trustee may treat the Person in whose name this Note is registered as the owner hereof for all purposes, whether or not this Note be
overdue, and neither the Company, the Trustee nor any such agent shall be affected by notice to the contrary. 
 THE INDENTURE AND THE NOTES,
INCLUDING THIS NOTE, SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES OF SUCH STATE OTHER THAN NEW YORK GENERAL OBLIGATIONS LAW SECTION 5-1401. 
 All terms used but not defined in this Note that are defined in the Indenture shall have the meanings assigned to them in the Indenture and all
references in the Indenture to “Security” or “Securities” shall be deemed to include the Notes. 
 Unless the certificate
of authentication hereon has been executed by Deutsche Bank Trust Company Americas, the Trustee under the Indenture, or its successor thereunder, by the manual signature of one of its authorized officers, this Note shall not be entitled to any
benefit under the Indenture or be valid or obligatory for any purpose. 
  

 5 

 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed, manually or in facsimile.

  

			
	COCA-COLA ENTERPRISES INC.
		
	By:	 	  

	Name:	 	
	Title:	 	

  

			
	 Attest:

		
	 By:
	 	  

	 Name:
	 	
	 Title:
	 	

 Date: May 6, 2009 
 TRUSTEE’S CERTIFICATE OF AUTHENTICATION 
 This is one of the Securities of the series designated
therein referred to in the within-mentioned Indenture. 
  

			
	 DEUTSCHE BANK TRUST COMPANY AMERICAS,
 as Trustee,

		
	By:	 	  

		 	Authorized Signatory

 ASSIGNMENT FORM 
 To assign this Note, fill in the form below: 
  

	
	I or we assign and transfer this Note to
	
	  

	(Print or type assignee’s name, address and zip code)
	
	  

	
	  

	(Insert assignee’s soc. sec. or tax I.D. no.)

  

			
	and irrevocably appoint	 	  

 agent to transfer this Note on the books of the Company. The agent may substitute another to act for him.

  

							
	 Dated:
	 	  
	 		 	  

				
		 		 		 	  

 NOTICE: The signature to this assignment must correspond with the name as it appears on the first page of the
within Note in every particular, without alteration or enlargement or any change whatever and must be guaranteed by a commercial bank or trust company having its principal office or a correspondent in The City of New York or by a member broker of
the New York, Midwest or Pacific Stock Exchange.

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