Document:

United States Securities & Exchange Commission EDGAR Filing

Exhibit 10.6

Options Media Group Holdings, Inc.

123 NW 13th Street, Suite 300

Boca Raton, Florida 33432

October 23, 2009

GFT Holdings, Inc.

5014 Sanctuary Lane

Boca Raton, FL 33431

Attention: Nelson Gerard, President

Re:

Secured Loan Agreement 

Dear Mr. Gerard:

This letter agreement (the “Agreement”) sets forth the terms and conditions for the amendment of that certain Secured Promissory Note dated March 13, 2009 in the original principal amount of $300,000 made by Options Media Group Holdings, Inc., a Nevada corporation (“Company”) in favor of GFT Holdings, Inc. (“Holder”), as amended by that certain letter agreement dated August 13, 2009 (the “Note”) and that certain Secured Loan Agreement dated March 13, 2009 between the Company and the Holder, as amended by that certain letter agreement dated August 13, 2009 (the “Loan Agreement”). 

In consideration for the Holder extending the due date of the Note from September 30, 2009 to December 31, 2009 at which time the entire principal balance and all accrued interest shall be due and payable, waiving interest which has accrued under the Note through September 30, 2009, and not exercising the right to charge default interest under the Note, the Company shall, upon receipt of the Holder’s executed Agreement, the original Note, and an investment representation letter in the form attached hereto as Exhibit A, issue the Holder an amended and restated note in the form attached hereto as Exhibit B and 500,000 shares of common stock of the Company.  

All other terms and conditions of the Loan Agreement and of any guaranty or indemnity agreement executed and delivered by anyone in connection herewith or therewith shall remain in full force and effect.

If the foregoing is acceptable to you, please sign in the place indicated below and return an executed copy to us.

			
	 
	 
	Very truly yours,

	 
	 
	 

	 
	 
	 

	 
	 
	Scott Frohman

	 
	 
	Chief Executive Officer

GFT Holdings, Inc.

October 23, 2009

Page 2

			

AGREED AND ACCEPTED:

GFT Holdings, Inc.

By: __________________________

        Nelson Gerard, PresidentUnited States Securities & Exchange Commission EDGAR Filing

Exhibit 10.7

Options Media Group Holdings, Inc.

123 NW 13th Street, Suite 300

Boca Raton, FL 33432

September 25, 2009

Whalehaven Capital Fund Limited

560 Sylvan Avenue 

Englewood Cliffs, NJ 07632

Re:

Note Amendment 

Dear Sir/Madam:

This letter agreement (the “Agreement”) amends that certain Note dated April 24, 2009 (the “Note”) between Options Media Group Holdings, Inc., a Nevada corporation (the “Company”), and Whalehaven Capital Fund Limited (the “Holder”).  In consideration for the Holder (i) extending the maturity date of the Note from August 31, 2009 to December 31, 2009, (ii) waiving its right to the extension fee under the Note in connection with the extension provided by this Agreement, and (iii) waiving its right to charge interest at the default interest rate for any period that the Note was in default prior to the date of this Agreement, the Company shall issue the Holder 50,000 shares of common stock of the Company (the “Extension Consideration”). 

Upon return of your old Note, the Company will deliver you a new Note with the new maturity date, along with a stock certificate representing the Extension Consideration.  All other terms and conditions of the Note remain the same.

If the foregoing is acceptable to you, please sign in the place indicated below and return an executed copy to us.

			
	 
	 
	Very truly yours,

	 
	 
	 

	 
	 
	 

	 
	 
	Scott Frohman

	 
	 
	Chief Executive Officer

AGREED AND ACCEPTED:

Whalehaven Capital Fund Limited

By:__________________________

      __________________, PartnerQ3 2009 Exhibit 10.1

Exhibit 10.1

CONFIDENTIAL PORTIONS OF THIS AGREEMENT HAVE BEEN OMITTED BASED UPON A

REQUEST FOR CONFIDENTIAL TREATMENT PURSUANT TO RULE 24b-2 OF THE 

                  SECURITIES EXCHANGE ACT OF 1934 AND HAVE BEEN SEPARATELY FILED 

                  WITH THE SECURITIES AND EXCHANGE COMMISSION

Licensing and Sales Commission Agreement

This Licensing and Sales Commission Agreement (the "Agreement"), dated September 15, 2009 (the
"Effective Date") is entered into by and between MMRIS Information Systems, Inc., a Delaware Corporation
("MMRIS") and E-Mail Frequency, LLC (the "Licensor") and David T. Loftus (the "Consultant").  The
Licensor and the Consultant shall be referred to in this Agreement each as the "Licensor Parties."

This Agreement sets forth the terms pursuant to which the Licensor Parties (for convenience also referred to as the
"Parties"), will license to MMRIS the usage of its consumer opt in data base of 70 million records (the "List") on a
non-exclusive basis.  The list is owned jointly by the Licensor Parties. The List will include email addresses, street addresses and other
relevant demographic tracking information necessary to insure the List is compliant with all applicable laws. The parties understand and
agree that during the term of this agreement there will be no less than [***]up to an estimated [***] names added to the List per month.
Any additions will automatically be added to the List. At no time during this agreement shall the List be less than [***] ([***]) records.
Details of the categories of records and demographic information on the List are described on the attached Exhibit A. The List is to be
used for the specific purpose of selling MMRIS products and services to MMRIS customers. MMRIS customers shall include
Consumers and Health Care Professionals, who purchase MMRIS products including but not limited to www.mymedicalrecords.com,
MMRPro, MMR Patient View and www.myesafedepositbox.com (the "Defined Use").

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

1.Licensing Fees.

a.In consideration of the the Licensee agrees to pay the Licensor [***] Dollars plus [***] outlined in Paragraph two.

b.In consideration of the personal services of the Consultant the Licensee agrees to pay a onetime fee of $250,000 in the form
of MMRIS common stock (the "Securities") based on the closing price on September15, 2009 or nine cents (.09) per share
plus $[***] per hour for pre-approved Consultant services up to a maximum of $[***].

c.In consideration of paragraphs 1(a) and 1(b) he Licensor and Consultant grant MMRIS a five-year royalty free license for the
Use of the List.  MMRIS is allowed to E mail up to 20 million names per month from the List.  MMRIS may also Postal mail the list at
MMRIS' sole cost and expense for printing, fulfillment and postage.

d.The Licensor and the Consultant understand MMRIS is a publically traded company.  The Consultant has already
represented to MMRIS that he is an accredited investor as such term is defined under applicable SEC Rules.  The Consultant agrees
that he will sign any related documents requested by attorneys for MMRIS in connection with the valid issuance of the securities.

e.MMRIS shall [***] for the management of the list during the first [***] months of this agreement.  After the first [***] months
MMRIS shall pay Licensor a monthly management fee of $[***] per month for eighteen months, $[***] per month for [***]  ([***]) months
and $[***] per month thereafter for the remaining term of this agreement.

                                              2

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

2 .Commissions.  MMRIS agrees to pay Licensor a commission equal to [***] percent ([***]%) of gross revenues for the
first [***] month term of this Agreement, and [***] percent ([***]%) of gross revenues for each additional [***] month period.  "Gross
Revenue" shall mean any gross receipts from any and all sources derived from the use of the List by MMRIS.

3.Limitations on Commissions Payable.

a.Limitations on Commissions Payable.  The Licensor is not entitled to any compensation with respect to
rejected subscriptions or compensation attributable to subscription fees returned by MMRIS upon cancellation of a subscription. If
MMRIS refunds any subscription fees, future commissions will be offset accordingly.

b.Payments.  MMRIS or its designated third party administrator will make all fee payments to the Licensor on a
monthly basis, 30 days following the end of the month in which commissions are earned.

4.Marketing Materials.  MMRIS will use its reasonable best efforts to utilize the List in its marketing and sales of
MMRIS products and services to maximize commissions payable to Licensor.

5.Licensee Responsibilities.

a.Authority. The Licensee is authorized to utilize the list only on behalf of MMRIS and only to the extent specified
in this Agreement. The Licensor may not make any representations concerning its relationship with MMRIS without the prior written
consent of MMRIS.

b.The licensee will maintain proper records of all business transacted under this Agreement and provide such records to
Licensor upon reasonable request.

                                              3

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

c.Prospective Accounts. Notwithstanding any other provisions of this Agreement, the Licensee must obtain prior
approval from Licensor before emailing any advertising or marketing materials to the list.  Licensor agrees to approve or comment on
any such materials within 3 business days after receipt or it shall automatically be deemed approved.  Any approvals shall not be
unreasonably withheld.

d.Conduct During the term of this Agreement, the Licensee and Consultant agrees to act only in the best interests of Licensor
and comply with all applicable laws regarding mailing of the list.

e.Licensor agrees that it will maintain the list in compliance with all applicable laws regarding the mailing of the names on the
list.  During the term of this agreement and for one (1) year after termination, the Licensor Parties agree not to compete with MMRIS,
work for a competitor or accept consideration of any kind from a competitor of MMRIS.  The Licensor Parties acknowledge that MMRIS
may, in connection with this Agreement, provide the Licensor and Consultant access to MMRIS trade secrets, customers, pricing and
other confidential and proprietary information (the "Confidential Information").

6.Confidentiality.  The Parties agree to retain Confidential Information (including the terms of this Agreement) in strict
confidence, and not to disclose Confidential Information to third parties or use Confidential Information other than to perform its duties
under this Agreement, unless MMRIS provides the Licensor prior consent in writing to such disclosure or use.

7.Expenses.  The Licensor is responsible for all expenses incurred under this Agreement. MMRIS will reimburse the
Licensor for extraordinary expenses so long as such expenses are approved in advance in writing by MMRIS.

                                              4

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

8.Independent Contractor.  The Licensor and Consultant are independent contractors of MMRIS  for the term of this
Agreement. MMRIS will not withhold taxes with respect to any compensation. The Licensor has no claim for benefits or compensation
of any kind against MMRIS.

9.Dispute Resolution.  In the unlikely event of a dispute between MMRIS and the Parties, MMRIS and the
Parties acknowledge that in the mutual interests in economy, privacy, and expeditious resolution, MMRIS and the Parties including the
major shareholders, directors, and officers (the "Principals") of MMRIS and the Parties agree to the following procedures for
resolution of any dispute arising out of or related to relations between the parties including without limitation claims based on contract,
tort, statute, breach, default, equitable relief, and whether a claim is arbitratable. Each Party to this agreement consents to final and
binding arbitration with exclusive venue, personal jurisdiction, and hearing authority vested in the Judicial Arbitration and Mediation
Services (JAMS) in Los Angeles unless otherwise agreed in writing.  Faced with a dispute, the Parties agree as follows:

a.MMRIS and the Parties shall appoint a mutually acceptable neutral mediator, and if no mediator is approved and appointed
within ten days after the date on which any Party first requests such appointment, a mediator shall be appointed by the manager of
JAMS in Los Angeles.  The mediator shall have sixty (60) calendar days after he/she accepts the appointment in which to resolve the
matter.

b.If mediation proves unsuccessful without a resolution within said thirty days, the complaining Party shall notify each Party
involved in the matter that he/she/it is seeking arbitration in accordance with this paragraph after which the Parties shall meet with the
mediator for one additional mediation session.  In the absence of such mediation session or a resolution within ten calendar days following the arbitration

                                              5

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

notice, the complaining Party may file an arbitration petition stating among other things the specific remedies
sought and requesting arbitration administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures, unless the
amount in controversy exceeds $200,000 and a Party to the proceeding requests within twenty days of the commencement of such
proceeding that the arbitration instead by administered pursuant to the Comprehensive Arbitration Rules and Procedures of JAMS
which shall then control.

c.The arbitrator shall be entitled to exercise the powers of a judge of superior court both in equity and at law.  In the event of an
actual or threatened breach, the parties understand and agree that the damages incurred or anticipated may be difficult if not
impossible to ascertain and, therefore, each Party shall be entitled to seek injunctive relief without mediation or a showing of irreparable
harm, actual damages, or the posting of a bond therefor, in addition to all other available remedies including, without limitation,
monetary damages where applicable.

d.With regard to any mediation or settlement efforts that are successful prior to the filing of an arbitration demand, each Party
shall pay his/her/its own attorneys' fees and costs and equally share JAMS fees and costs.  After the filing of an arbitration demand, the
prevailing Party shall be entitled to compensation for his/her/its attorneys' fees and costs including all JAMS charges through both the
mediation and arbitration plus expert fees, travel, and accommodations.

e.Judgment upon an award arising in connection with any such arbitration (an "Award" may be entered in any court
of competent jurisdiction. The arbitrator shall allocate in the Award all of the costs of the arbitration including the arbitrator fees, costs, and

                                              6

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

the reasonable attorneys' fees of the prevailing Party, against the Party that did not prevail. 

f.Controlling law shall be that of California without regard to conflicts of law principles. No claim, demand, action, proceeding,
litigation, hearing, motion, or lawsuit relating to or arising out of this Agreement and the business relations related thereto shall be
commenced or prosecuted in any jurisdiction other than as specified herein. Any judgment, determination, ruling, finding, or conclusion
reached or rendered in any other jurisdiction or forum resolving disputed matters between the Principals shall be null and void.

g.Term and Termination.  This Agreement becomes effective on the date specified above and remains effective for
five years unless terminated as set forth below.

h.MMRIS or its successor may terminate this Agreement after it has been in effect for at least one year after the Effective Date.
Upon such termination, MMRIS or its successor will pay the Licensor for a minimum of five (5) years plus eight (8) times the total fees
paid to the licensor over the last three (3) months of the five years.

i.Upon the termination of the Licensor for cause, in which case no fees will be payable after the termination date.

10.General Terms and Conditions.

a.Indemnity.  Each Party agrees to defend and hold the other harmless for any liability or claim arising out of the
others acts or omissions under this Agreement.

b.Amendment/Modification.  This Agreement may not be modified unless agreed in writing by the Parties.

                                              7

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

c.Counterparts.  This Agreement may be executed in two or more counterparts or by facsimile transmission, each of
which shall be deemed to be an original, but all of which together shall constitute one agreement binding on both Parties.

d.Waiver.  No waiver by either Party of any requirement of this Agreement shall be construed as a continuing waiver
or consent to any subsequent breach.

e.Entire Agreement.  This Agreement sets forth the entire agreement and understanding between the Parties relating
to the subject matter herein and supersedes all prior discussions between the Parties.

f.Severability.  If one or more of the provisions in this Agreement are deemed void by law, then remaining provisions
continue in full force.

g.Force  Majeure.  Neither Party will be liable for any performance failure or delay for any cause beyond that Party's
reasonable control.

h.Assignment.  The Licensor may not assign this Agreement without express written consent of MMRIS.  MMRIS may
at its sole discretion assign this contract to a third party that purchases all or substantially all assets or a majority of MMRIS' outstanding
voting shares.

i.Applicable Law.  This Agreement is governed by the laws of the State of California without regard to that State's
conflict of law principals.  The Parties consent to the personal jurisdiction of the courts of the State of California and the City and County
of Los Angeles.

(Remainder of page intentionally left blank)

                                              8

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

11.Acknowledgments.  By their signatures below, the Parties consent to be bound by the terms of this
Agreement.

	

MMR Information Systems, Inc.
 
Name:Robert H. Lorsch 

Title:CEO 

Signature: /s/ Robert H. Lorsch 

Date:September 15, 2009 

2934 1⁄2 Beverly Glen Circle, #494

Los Angeles, CA  90077

Tel:  310-472-2999    

Fax:  206-374-6136

	

E-mail Frequency, LLC (Licensor) 
 
Name:David T. Loftus 

Title: ________________ 

Signature: /s/ David T. Loftus

Date:September 15, 2009 

  

  

Tel:    

Fax:  

David T. Loftus (Consultant)

Name: David T. Loftus

Title: _______________________________

Signature: /s/ David T. Loftus

Date: September 15, 2009

Tel:

Fax:

                                              9

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

EXHIBIT A

BUSINESS DATABASES

	Over 19,035,000 Business Records

	10,210,000 Business Emails

CONSUMERS DATABASE (Households)

	EMAIL:  110 Million Permission based/opt-in emails all include
Name, address, cell/home phone numbers, email address, URL Source, IP address & Time & Date Stamp

Business Location and contact information

	Company name

	Street address, city, county, MSA, state, zip code, carrier route

	Phone number, fax number

	Email address, Web URL

	Contact first name, last name, title, gender

Business information

	Primary area of business (Standard Industry Classification code)

	Sales volume

	Number of employees

	Floor area

	Credit score

	Number of PCs

Consumer location and contact Information

	Street address, city, county. MSA, state, zip code, carrier route,

	Delivery point bar code

	Phone number

	Email address

                                              10

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

Information on each household member

	First and last name

	Gender

	Age

	Household income

Information about the residence

	Residence type (house or apartment)

	Own or rent?

	Age of residence

	Estimated value

	Mortgage (age, amount, financing type, loan type, loan-to-value ratio)

                                              11

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

	
Household_Me Address
	
City_State_Zip_Area Code_Phone
	
Area Code_Phone_Numbe

	 	 	 
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

	
City
	
State
	
ZIP
	
Zip_+_4
	
Zip_+_4_+_D
	
Delivery_Point

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

	
Carrier_ Route
	
County
	
MSA
	
Household _Me
	
Household _Me
	
Household _Me

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

	
Household_ ME
	
Household_ 

Me
	
Household_ Me
	
Household_ Me
	
Household_ Me
	
Household_ Me

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

	
Household_

Me
	
Household_

Me
	
Household_

Me
	
Household_

Me
	
Household_

Me
	
Household_

Me

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

	
Est_Home_Val
	
Est_Income
	
Own/Rent
	
Length_of_Res
	
Mortgage_Age
	
Mortgage_Cou

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

	
Mortgage_Fina
	
Mortgage_Loa
	
Mortgage_Loa
	
Personal_Deta
	
Personal_Deta
	
Personal_Deta

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

	
Household_ Me
	
Household_ Me
	
Household_ Me
	
Household_ Me
	
Household_ Me
	
Household_ Me

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

 

 

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 

	
Personal_Deta
	
Personal_Deta
	
Mail_Order_B
	
Mail_Order_B
	
Mail_Order_B
	
Mail_Order_B

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

	
[***]
	
[***]
	
[***]
	
[***]
	
[***]
	
[***]

[***]: Certain confidential information contained in this document marked with three asterisks has been omitted and filed
separately with the Securities and Exchange Commission pursuant to Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00165-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00165-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00165-of-00352.parquet"}]]