Document:

Exhibit
10.82

 

Priceline Mortgage

Company, L.L.C.

 

Financial
Statements for the Years

Ended
December 31, 2003 and 2002

and
Independent Auditors’ Report

 

 

PRICELINE
MORTGAGE COMPANY, L.L.C.

 

TABLE OF
CONTENTS

 

	
  INDEPENDENT AUDITORS’
  REPORT

  	
   

  
	
   

  	
   

  
	
  FINANCIAL
  STATEMENTS FOR THE YEARS ENDED DECEMBER 31, 2003 AND 2002:

  	
   

  
	
   

  	
   

  
	
  Balance Sheets

  	
   

  
	
   

  	
   

  
	
  Statements
  of Income

  	
   

  
	
   

  	
   

  
	
  Statements of
  Changes in Members’ Equity

  	
   

  
	
   

  	
   

  
	
  Statements of Cash Flows

  	
   

  
	
   

  	
   

  
	
  Notes to Financial
  Statements

  	
   

  

 

 

INDEPENDENT AUDITORS’ REPORT

 

To the Members 

Priceline Mortgage Company, L.L.C.

Jacksonville, Florida

 

We have audited the
accompanying balance sheets of Priceline Mortgage Company, L.L.C.
(the ”Company”) (formerly National Mortgage Center, L.L.C.) as of
December 31, 2003 and 2002 and the related statements of income, changes
in members’ equity, and cash flows for the years then ended. These financial
statements are the responsibility of the Company’s management. Our
responsibility is to express an opinion on these financial statements based on
our audits.

 

We conducted our audits
in accordance with auditing standards generally accepted in the United States
of America. Those standards require that we plan and perform the audit to
obtain reasonable assurance about whether the financial statements are free of
material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements. An audit
also includes assessing the accounting principles used and significant
estimates made by management, as well as evaluating the overall financial
statement presentation. We believe that our audits provide a reasonable basis
for our opinion.

 

In our opinion, such
financial statements present fairly, in all material respects, the financial
position of Priceline Mortgage Company, L.L.C. at December 31, 2003 and
2002 and the results of its operations and its cash flows for the years then
ended in conformity with accounting principles generally accepted in the United
States of America.

 

 

	
  /s/ Deloitte &
  Touche LLP

  	
   

  
	
  Certified Public
  Accountants

  
	
  Jacksonville, Florida

  
	
   

  
	
  February 25, 2004

  
	
  (December 13,
  2004 as to Note 4)

  

 

 

PRICELINE MORTGAGE COMPANY, L.L.C.

 

BALANCE SHEETS

DECEMBER 31, 2003 AND 2002

 

	
   

  	
   

  	
  2003

  	
   

  	
  2002

  	
   

  
	
  ASSETS

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  ASSETS:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Cash
  and cash equivalents

  	
   

  	
  $

  	
  4,038,766

  	
   

  	
  $

  	
  7,092,422

  	
   

  
	
  Loans
  held for sale

  	
   

  	
  13,500,167

  	
   

  	
  2,323,586

  	
   

  
	
  Due
  from affiliates, net

  	
   

  	
  —

  	
   

  	
  1,537,495

  	
   

  
	
  Prepaid
  expenses and other assets

  	
   

  	
  97,942

  	
   

  	
  60,799

  	
   

  
	
  Premises
  and equipment, net

  	
   

  	
  844,109

  	
   

  	
  1,210,885

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  TOTAL
  ASSETS

  	
   

  	
  $

  	
  18,480,984

  	
   

  	
  $

  	
  12,225,187

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  LIABILITIES AND MEMBERS’ EQUITY

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  LIABILITIES:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Accounts
  payable and accrued expenses

  	
   

  	
  $

  	
  1,407,293

  	
   

  	
  $

  	
  3,492,631

  	
   

  
	
  Due
  to affiliates, net

  	
   

  	
  78,722

  	
   

  	
  —

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Total
  liabilities

  	
   

  	
  1,486,015

  	
   

  	
  3,492,631

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  COMMITMENTS
  AND CONTINGENCIES (see Note 4)

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  MEMBERS’
  EQUITY

  	
   

  	
  16,994,969

  	
   

  	
  8,732,556

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  TOTAL
  LIABILITIES AND MEMBERS’ EQUITY

  	
   

  	
  $

  	
  18,480,984

  	
   

  	
  $

  	
  12,225,187

  	
   

  

 

See notes to financial
statements.

 

2

 

PRICELINE MORTGAGE COMPANY, L.L.C.

 

STATEMENTS OF INCOME

YEARS ENDED DECEMBER 31, 2003 AND 2002

 

	
   

  	
   

  	
  2003

  	
   

  	
  2002

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  INTEREST INCOME:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Interest income

  	
   

  	
  $

  	
  796,054

  	
   

  	
  $

  	
  482,635

  	
   

  
	
  Interest expense

  	
   

  	
  (2,783

  	
  )

  	
  (4,044

  	
  )

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Net interest income

  	
   

  	
  793,271

  	
   

  	
  478,591

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  NON-INTEREST INCOME:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Gain on sale of loans, net of commitment fees

  	
   

  	
  13,523,357

  	
   

  	
  9,882,002

  	
   

  
	
  Loan production revenue, net

  	
   

  	
  10,301,923

  	
   

  	
  9,475,171

  	
   

  
	
  Other

  	
   

  	
  118,906

  	
   

  	
  249,794

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Total non-interest income

  	
   

  	
  23,944,186

  	
   

  	
  19,606,967

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  NON-INTEREST EXPENSES:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Salaries, commissions and other employee benefits

  	
   

  	
  10,326,230

  	
   

  	
  8,465,906

  	
   

  
	
  Occupancy and equipment

  	
   

  	
  1,174,278

  	
   

  	
  1,251,970

  	
   

  
	
  General and administrative

  	
   

  	
  4,974,536

  	
   

  	
  5,895,796

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Total non-interest expenses

  	
   

  	
  16,475,044

  	
   

  	
  15,613,672

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  NET INCOME

  	
   

  	
  $

  	
  8,262,413

  	
   

  	
  $

  	
  4,471,886

  	
   

  

 

See
notes to financial statements.

 

3

 

PRICELINE MORTGAGE COMPANY, L.L.C.

 

STATEMENTS OF CHANGES IN
MEMBERS’ EQUITY

YEARS ENDED DECEMBER 31, 2003 AND 2002

 

	
   

  	
   

  	
  Capital

  	
   

  	
  Accumulated

  Earnings

  (Deficit)

  	
   

  	
  Total

  Members’

  Equity

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  BALANCE—December 31, 2001

  	
   

  	
  $

  	
  7,934,472

  	
   

  	
  $

  	
  (3,673,802

  	
  )

  	
  $

  	
  4,260,670

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Net income

  	
   

  	
   

  	
   

  	
  4,471,886

  	
   

  	
  4,471,886

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  BALANCE—December 31, 2002

  	
   

  	
  7,934,472

  	
   

  	
  798,084

  	
   

  	
  8,732,556

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Net income

  	
   

  	
   

  	
   

  	
  8,262,413

  	
   

  	
  8,262,413

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  BALANCE—December 31, 2003

  	
   

  	
  $

  	
  7,934,472

  	
   

  	
  $

  	
  9,060,497

  	
   

  	
  $

  	
  16,994,969

  	
   

  

 

See
notes to financial statements.

 

4

 

PRICELINE MORTGAGE COMPANY, L.L.C.

 

STATEMENTS OF CASH FLOWS

YEARS ENDED DECEMBER 31, 2003 AND 2002

 

	
   

  	
   

  	
  2003

  	
   

  	
  2002

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  OPERATING ACTIVITIES:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Net income

  	
   

  	
  $

  	
  8,262,413

  	
   

  	
  $

  	
  4,471,886

  	
   

  
	
  Adjustments to reconcile net income to net cash
  (used in) provided by operating activities:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Depreciation expense

  	
   

  	
  408,935

  	
   

  	
  419,243

  	
   

  
	
  Loss on disposal of fixed assets

  	
   

  	
  —

  	
   

  	
  920

  	
   

  
	
  Change in operating assets and liabilities:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  (Increase) decrease in loans held for sale

  	
   

  	
  (11,176,581

  	
  )

  	
  93,921

  	
   

  
	
  Decrease (increase) in due to affiliates, net

  	
   

  	
  1,616,217

  	
   

  	
  (1,831,291

  	
  )

  
	
  (Increase) decrease in prepaid expenses and other
  assets

  	
   

  	
  (37,143

  	
  )

  	
  806,731

  	
   

  
	
  (Decrease) increase in accounts payable and
  accrued expenses

  	
   

  	
  (2,085,338

  	
  )

  	
  2,477,684

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Net cash (used in) provided by operating
  activities

  	
   

  	
  (3,011,497

  	
  )

  	
  6,439,094

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  INVESTING ACTIVITIES:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Purchase of premises and equipment

  	
   

  	
  (42,159

  	
  )

  	
  (839,373

  	
  )

  
	
  Net cash used in investing activities

  	
   

  	
  (42,159

  	
  )

  	
  (839,373

  	
  )

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  NET (DECREASE) INCREASE IN CASH AND CASH
  EQUIVALENTS

  	
   

  	
  (3,053,656

  	
  )

  	
  5,599,721

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  CASH AND CASH EQUIVALENTS:

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Beginning of year

  	
   

  	
  7,092,422

  	
   

  	
  1,492,701

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  End of year

  	
   

  	
  $

  	
  4,038,766

  	
   

  	
  $

  	
  7,092,422

  	
   

  

 

See
notes to financial statements.

 

5

 

PRICELINE
MORTGAGE COMPANY, L.L.C.

 

NOTES TO FINANCIAL STATEMENTS

YEARS ENDED
DECEMBER 31, 2003 AND 2002

 

1.                                      ORGANIZATION
AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Organization—Priceline
Mortgage Company, L.L.C., formerly known as National Mortgage Center, L.L.C.,
(the “Company”), engages in the origination of real estate mortgage loans using
the internet. The Company is 51% owned by EverBank (formerly First Alliance
Bank, FSB) and 49% owned by a wholly owned subsidiary of Priceline.com and is
doing business as pricelinemortgage.com.

 

Basis
of Presentation—The financial statements are presented in
accordance with accounting principles generally accepted in the United States
of America, which require management to make estimates that affect the reported
amounts and disclosures of contingencies in the financial statements. Estimates,
by their nature, are based on judgment and available information. Therefore,
actual results could differ from those estimates and could have a material
impact on the financial statements, and it is possible that such change could
occur in the near term.

 

Cash
and Cash Equivalents—Cash represents amounts held on
deposit with various banks.

 

Loans
Held for Sale—Loans held for sale are residential
mortgage loans originated by the Company which management intends to sell at
some point in the future. Loans held for sale are reported at the lower of cost
or estimated market value determined on an aggregate basis.

 

Commitments to Originate Mortgage Loans—The
Company enters into commitments to originate loans whereby the interest rate on
the loan is determined prior to funding (rate lock commitments). Rate lock
commitments on loans that are intended to be sold are considered to be
derivatives and are therefore recorded at fair value with changes in fair value
recorded in earnings. The fair value of rate lock commitments at
December 31, 2003 and 2002 recorded in loans held for sale was $43,114 and
$207,065, respectively. The change in fair value recorded in gain on sale for
the years ended December 31, 2003 and 2002 was $(163,951) and $(178,138),
respectively.  Rate lock commitments
expose the Company to interest rate risk.

 

Premises and
Equipment—Premises and equipment consist of leasehold
improvements, furniture, and equipment. Premises and equipment are recorded at
cost, less accumulated depreciation. Depreciation is computed using the
straight-line method over the estimated useful lives of the assets ranging from
3 to 10 years. Leasehold improvements are amortized using the straight-line
method over the shorter of their estimated useful life or the period the
Company expects to occupy the related leased space.

 

Revenue Recognition—Loan production
income represents income earned from the origination of mortgage loans. Gains
and losses on the sale of loans are recorded upon the sale of these assets by
the Company.

 

6

 

Interest income on
mortgage loans is accrued as earned and is computed using the effective
interest method. Loans are placed on non-accrual status when any portion of the
principal or interest is 90 days past due.

 

Income Taxes—For federal and state
income tax purposes the Company is considered a partnership with income taxable
to the ultimate owners of the Company. Thus, the Company does not provide for
federal and state income taxes.

 

Reclassification—Certain
reclassifications have been made to prior year amounts to conform to the
current year presentation.

 

2.                                      PREMISES
AND EQUIPMENT

 

Premises and equipment at
December 31 consist of the following:

 

	
   

  	
   

  	
  2003

  	
   

  	
  2002

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Leasehold improvements

  	
   

  	
  $

  	
  233,874

  	
   

  	
  $

  	
  233,874

  	
   

  
	
  Furniture

  	
   

  	
  543,623

  	
   

  	
  540,748

  	
   

  
	
  Equipment

  	
   

  	
  1,285,252

  	
   

  	
  1,245,968

  	
   

  
	
   

  	
   

  	
  2,062,749

  	
   

  	
  2,020,590

  	
   

  
	
  Less accumulated depreciation

  	
   

  	
  (1,218,640

  	
  )

  	
  (809,705

  	
  )

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
  844,109

  	
   

  	
  $

  	
  1,210,885

  	
   

  

 

Depreciation expense for
the years ended December 31, 2003 and 2002 was $408,935 and $419,243,
respectively.

 

3.                                      EMPLOYEE
BENEFIT PLAN

 

The Company participates
in a defined contribution plan sponsored by EverHome Mortgage Company (formerly
Alliance Mortgage Company), an affiliated company, adopted under the Internal
Revenue Code Section 401(k) (the “Profit Sharing and Savings Plan”),
covering substantially all full-time employees meeting the eligibility
requirements. Employees may contribute between 1% and 18% of their pre-tax
compensation to the Profit Sharing and Savings Plan. Company contributions to
the Profit Sharing and Savings Plan are at the discretion of the Company. The
Company made discretionary contributions of $320,500 and $253,000 to the Plan
for the years ended December 31, 2003 and 2002, respectively. The Company
made employer matching contributions of approximately $198,000 and $115,000 in
2003 and 2002, respectively.

 

7

 

4.                                      COMMITMENTS
AND CONTINGENCIES

 

Operating Leases – The Company has entered
into various operating leases for the office space in which it operates. Rent
expense associated with these leases was approximately $284,000 and $347,000
for the years ended December 31, 2003 and 2002, respectively. The future
minimum lease payments for the leases are as follows:

 

	
  2004

  	
   

  	
  $

  	
  465,589

  	
   

  
	
  2005

  	
   

  	
  474,900

  	
   

  
	
  2006

  	
   

  	
  484,398

  	
   

  
	
  2007

  	
   

  	
  494,086

  	
   

  
	
  2008

  	
   

  	
  506,874

  	
   

  
	
  Thereafter

  	
   

  	
  1,286,634

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
  3,712,481

  	
   

  

 

Legal
Action - On August 24, 2004, the Company was served
with a complaint for patent infringement captioned IMX, Inc. v., LendingTree, Inc., priceline.com Inc. and Priceline
Mortgage Company LLC. The August 24, 2004 complaint added the
Company as a new defendant to a previously filed complaint served upon
priceline.com, Inc. dated November 24, 2003. The complaint alleges, among
other things, that the Company has infringed, induced others to infringe and/or
committed acts of contributory infringement of U.S. Patent number 5,995,947
entitled “Interactive Mortgage and Loan Information and Real-Time Trading
Systems.”  The complaint seeks injunctive
relief; unspecified money damages; an order directing defendants to pay IMX’s
costs and attorneys’ fees; and an award of pre-and post-judgment interest.  The Company believes that any possible loss
resulting from the pending litigation will be less than one million dollars.

 

5.                                      RELATED
PARTY TRANSACTIONS

 

At December 31 due
from (to) affiliates includes the following amounts:

 

	
   

  	
   

  	
  2003

  	
   

  	
  2002

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Due from EverHome Mortgage Company, net

  	
   

  	
  $

  	
  40,658

  	
   

  	
  $

  	
  815,408

  	
   

  
	
  Due from BNY Mortgage Company L.L.C.

  	
   

  	
  69

  	
   

  	
  54

  	
   

  
	
  Due (to) from EverBank

  	
   

  	
  (119,449

  	
  )

  	
  722,033

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
  (78,722

  	
  )

  	
  $

  	
  1,537,495

  	
   

  

 

Administrative expenses
allocated to the Company from affiliates were $420,000 and $210,000 for the
years ended December 31, 2003 and 2002, respectively. Advertising expenses
paid to an affiliate were $533,935 and $1,752,637 for the years ended
December 31, 2003 and 2002, respectively.

 

The Company participates
in an overall insurance program administered by EverBank Financial, L.P.
(formerly Alliance Capital Partners, L.P.), parent of EverBank. Insurance
expense allocated to the Company totaled $76,176 and $43,813 for the years
ended December 31, 2003 and 2002, respectively.

 

8

 

The Company generally
sells all its originated mortgage loans to affiliates on a right of first
refusal basis. In 2003 and 2002, the Company recognized gains of $13,591,438
and $10,060,156, respectively, on loans sold to affiliates.

 

6.                                      FINANCIAL
INSTRUMENTS

 

Derivative Instruments—In the ordinary course of business,
the Company enters into commitments to originate loans. Inherent in these
transactions is the interest rate risk associated with the movement of interest
rates in the mortgage market. The Company mitigates this risk by obtaining
commitments from investors for the purchase of loans generally at or prior to
the loan origination date. At December 31, 2003 and 2002, the Company had
commitments to originate loans of approximately $96 million and $669 million,
respectively.

 

9

 

As a mortgage banking
entity, the Company underwrites loans and the extension of credit to borrowers
in accordance with the standards prescribed by loan investors. The Company does
not invest in mortgage loans for its own account and, therefore, does not
assume the long-term credit risk associated with mortgage lending. The
Company’s credit risk is generally transferred to the investor upon the sale of
the loans. The Company does not have credit risk concentration, as defined,
with any one financial institution, government agency, government-sponsored
enterprise, or individual investor.

 

Fair Value Financial Instruments—The
following methods and assumptions were used by the Company to estimate the fair
value of each class of financial instruments:

 

Loans
Held for Sale—Fair value is estimated using the quoted market
prices for similar loans, adjusted for differences in loan characteristics. The
estimated fair value of these financial instruments at December 31, 2003
and 2002 was $13.6 million and $5.3 million, respectively.

 

******

 

10Exhibit 10.1

 

THE
NAVIGATORS GROUP, INC.

2002
STOCK INCENTIVE PLAN

 

STOCK
GRANT AWARD CERTIFICATE AND RESTRICTED STOCK AGREEMENT

This Certificate, when executed by a duly authorized
officer of The Navigators Group, Inc. (the “Company”), evidences the grant to
the Participant named herein of a stock grant Award for shares of the Common
Stock of the Company in accordance with the 2002 Stock Incentive Plan (the
“Plan”).

	
  1.

  	
   

  	
  Participant: Stanley A.
  Galanski

  
	
   

  	
   

  	
   

  
	
  2.

  	
   

  	
  Number of shares of
  Common Stock subject to the Award: 13,793

  
	
   

  	
   

  	
   

  
	
  3.

  	
   

  	
  Effective date of the
  Award: December 9, 2004

  
	
   

  	
   

  	
   

  
	
  4.

  	
   

  	
  Award Vesting Period:

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  With respect to the
  shares subject to the Award, 50% of such shares vest on December 9, 2004 and
  the remaining 50% vest on January 1, 2006.

  
	
   

  	
   

  	
   

  
	
  5.

  	
   

  	
  Employee shall make
  such arrangements with the Company with respect to income tax withholding 

  
	
  as the Company shall
  determine in its sole discretion is appropriate to ensure payment of federal,
  state or local income taxes.

  
	
   

  
	
  6.

  	
   

  	
  Each participant receiving
  Common Stock resulting from an Award agrees that such Award and related 

  
	
  Common Stock shall be
  subject to, and governed by, all of the terms of the Plan, and represents and
  warrants to the Company that such Common Stock is for investment for his or her
  own account and will not sell or otherwise dispose of said Common Stock
  except in compliance with the Securities Act of 1933, as amended. By
  acceptance of this Certificate, the Participant agrees to abide by all terms
  and conditions of the Plan. Terms defined in the Plan are used in this
  Certificate as so defined.

  
				

This Certificate is not a security and does not
represent the stock grant Award described herein but, rather, describes the
Common Stock granted to the Participant as reflected on the books and records
of the Company.  Neither this Certificate
nor the stock grant Award represented hereby are assignable or transferable by
the Participant except as otherwise permitted under the Plan.

	
   

  	
   

  	
   

  	
  The Navigators
  Group, Inc.

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
  By: 

  	
  /s/ Terence N. Deeks

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  Terence N. Deeks

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  Chairman

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00075-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00075-of-00352.parquet"}]]