Document:

snf10k123107ex10-32.htm

    
      

      

    

    EXHIBIT
10.32

    

    Subsidiaries
of Security National

    Financial
Corporation

    as of
March 31, 2008

    

    

    Security
National Life Insurance Company

    

    SecurityNational
Mortgage Company

    

    Memorial
Estates, Inc.

    

    Memorial
Mortuary

    

    Paradise
Chapel Funeral Home, Inc.

    

    California
Memorial Estates, Inc.

    

    Cottonwood
Mortuary, Inc.

    

    Deseret
Memorial, Inc.

    

    Holladay
Cottonwood Memorial Foundation

    

    Holladay
Memorial Park, Inc.

    

    Greer-Wilson
Funeral Home, Inc.

    

    Crystal
Rose Funeral Home, Inc.

    

    Insuradyne
Corporation

    

    Security
National Funding Company

    

    Security
National Life Insurance Company of Louisiana (Formerly Paramount Security Life
Insurance Company)

    

    Security
National Capital, Inc.

    

    Memorial
Insurance Company of America

    

    Capital
Reserve Life Insurance Company

    

    C & J
Financial, LLCgpmi10ksb123107ex10-45.htm

    
      

    

    
      

    

    Exhibit
10.45

    
      

      SETTLEMENT
AGREEMENT AND RELEASE

      

      This
Settlement Agreement and Mutual Release (the “Agreement”) is effective as of the
latest date executed below, and is by and between Plaintiff, STEVEN D. CRAIG, an
individual, the authorized representative on behalf of the ESTATE OF COLLETTE
CRATER-CRAIG (“CRAIGS”), and Defendant, GOLDEN PHOENIX MINERALS, INC.
(hereinafter “GOLDEN PHOENIX”) (collectively the “Parties”).

      

      PRELIMINARY
STATEMENTS

       

      On August
30, 2006, STEVEN D. CRAIG filed a Complaint in Washoe County as Case No. CV06
02103, against GOLDEN PHOENIX, stating claims for “Specific Performance of Stock
Option Agreements, Money Lent Against Defendant Golden Phoenix Minerals, Inc.,
and Interest Accrued On Money Due and Owing To Plaintiff And Against GOLDEN
PHOENIX.”

      

      A dispute
arose among the Parties regarding GOLDEN PHOENIX’s payment of deferred or “back”
salaries, and interest thereon, related stock options in the amount of 984,300
shares of stock at 15 cents per share, which were granted by GOLDEN PHOENIX to
STEVEN D. CRAIG during May of 2000, for reimbursement of business expenses, and
interest thereon, and the exercise of additional options in the amount of
340,000 shares of stock at 37 cents per share and options for 250,000 shares of
stock at 15 cents per share issued in September of 2003 and February of 2005,
respectively (hereinafter “Lawsuit”).

      

      COLLETTE
CRATER-CRAIG was named in the Third-Party Complaint filed by GOLDEN PHOENIX
which sought a declaration of rights regarding the payments of the deferred
“back” salaries, business expenses, and interest thereon, and the options
subject to the Lawsuit. STEVEN D. CRAIG and COLLETTE CRATER-CRAIG were married
during the time STEVEN D. CRAIG was employed by GOLDEN PHOENIX. The marriage was
terminated after any rights subject of the Lawsuit had accrued. On October 18,
2005, GOLDEN PHOENIX agreed to comply with court orders for equal dispersement
of assets owed to STEVEN D. CRAIG and to provide STEVEN D. CRAIG with one half
of the values owed to him and COLLETTE CRATER-CRAIG to be provided the balance
of the funds.  COLLETTE CRATER-CRAIG since became deceased on December
3, 2006.

      

      The
Parties now desire to resolve the Lawsuit, and any and all other actual or
potential claims that may or could have been brought between them (whether
permissive or compulsory) (“Claims”), without the necessity for further
litigation and expense by settling the Lawsuit and the Claims, whether known or
unknown regardless of whether such claims were asserted in the Lawsuit, between
them.

      

      AGREEMENT

       

      In
consideration of the foregoing, the agreements, mutual covenants and conditions
contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the Parties agree as
follows:

      

      
        
           

        

        
          Page 1 of
9

          
            

          

        

        
           

        

      

      
        	
                 
      

              	
                1.

              	
                Incorporation of
      Recitals.  Each of the preliminary statements is deemed
      to be true and correct, and the same are hereby incorporated by reference
      as if fully stated herein.

              

      

      
        	
                 
      

              	
                2.

              	
                Consideration.  As
      consideration for this Agreement and STEVEN D. CRAIG’s dismissal of the
      Lawsuit with prejudice, and the relinquishment of the Claims by both
      STEVEN D. CRAIG and the authorized representative on behalf of the ESTATE
      OF COLLETTE CRATER-CRAIG, the Parties have agreed as
    follows:

              

      

      
        	
                 
      

              	
                a.

              	
                GOLDEN
      PHOENIX shall, within twenty (20) trading days, not calendar days,
      following receipt at the notice address below of the Agreement executed by
      the CRAIGS, contact interested third parties to be identified (hereinafter
      “Third Parties”) who have indicated to GOLDEN PHOENIX that they are
      willing to purchase, at a twenty percent (20%) discount of the share
      price, the 984,300 shares subject to the options granted at fifteen (15)
      cents per share by GOLDEN PHOENIX to STEVEN D. CRAIG in May of 2000 for
      the reimbursement of “back salaries” and interest
  thereon.

              

      

      
        	
                 
      

              	
                b.

              	
                GOLDEN
      PHOENIX shall, within the same twenty (20) trading day period referenced
      in paragraph 2.a., make a good faith effort to obtain the agreement of
      Third Parties to purchase the subject shares at the share price determined
      as set forth in paragraph 2.d. Such agreement by Third Parties is a
      condition precedent to the covenants and releases set forth within this
      Agreement.

              

      

      
        	
                 
      

              	
                c.

              	
                If
      GOLDEN PHOENIX does not obtain the agreement of Third Parties within the
      twenty (20) day trading period to purchase the subject shares as set forth
      herein, the Parties may agree in writing to extend the period for a
      specified number of trading days or to a specific date. Each extension is
      subject to the provisions of this Agreement, unless otherwise provided in
      writing.

              

      

      
        	
                 
      

              	
                d.

              	
                The
      purchase price per share to the Third Parties of these stocks, both
      registered and unregistered, will be determined by calculating the mean
      average of the daily closing price of one (1) share of the stock for
      twenty (20) trading days, not calendar days, immediately preceding receipt
      by GOLDEN PHOENIX at the notice address below of the Agreement executed by
      the CRAIGS, and this mean average share price shall be further discounted
      twenty percent (20%). The purchase price per share for any extension that
      may be necessary will be determined consistent with this paragraph,
      however the valuation period for each extension shall be twenty (20)
      trading days immediately preceding the date the written extension is fully
      executed by both parties.

              

      

      
        	
                 
      

              	
                e.

              	
                After
      obtaining the agreement of Third Parties to purchase the subject shares at
      the purchase price set forth in paragraph 2.d., GOLDEN PHOENIX will
      establish an escrow account, mutually acceptable to the Parties and Third
      Parties, fifty percent (50%) of the total cost of which shall be borne by
      the CRAIGS and fifty percent (50%) by GOLDEN PHOENIX. GOLDEN PHOENIX will
      retire the balance, owed on that date, of the “back salaries,” not
      including interest, to the CRAIGS, as against the fifteen (15) cents per
      share exercise price of the subject options identified in paragraph 2.a.,
      the resulting shares to be placed in the aforementioned escrow pending
      completion of the purchase by the Third
Parties.

              

      

      

      
        
           

        

        
          Page 2 of
9

          
            

          

        

        
           

        

      

      
        	
                 
      

              	
                f.

              	
                GOLDEN
      PHOENIX and the CRAIGS agree that all scheduled payments of the “back
      salaries” shall be suspended upon the execution of this Agreement and
      subsequent extensions, if necessary, pending the use of the balance owing,
      as against the exercise price of the options, described in paragraph 2.e.,
      and these scheduled payments shall be terminated thereafter. Upon
      execution of this Agreement, GOLDEN PHOENIX will no longer make payments
      that have been deducted from the scheduled payments on behalf of STEVEN D.
      CRAIG for insurance premiums. All responsibility for continuing any such
      insurance shall be STEVEN D. CRAIG’s sole responsibility and he will not
      hold GOLDEN PHOENIX responsible for the cancellation of any such
      insurance. If GOLDEN PHOENIX does not obtain the agreement of Third
      Parties within ten (10) trading days after the termination of the
      immediately preceding time period prescribed by this Agreement, or
      subsequent extension, if necessary, and the “back salaries” have not been
      applied to the exercise price of the options, the scheduled payments of
      the “back salaries” shall resume beginning the sixth day of the month
      following said ten (10) trading day period. In no event after the initial
      suspension of the scheduled payments of the “back salaries” shall GOLDEN
      PHOENIX be responsible for or required to resume making payments of any
      insurance premiums on behalf of STEVEN D.
CRAIG.

              

      

      
        	
                 
      

              	
                g.

              	
                The
      CRAIGS may exercise through escrow a portion, all or none of the options,
      identified in paragraph 2.a., remaining after the retirement of the
      balance of “back salaries” as described in paragraph 2.e. The CRAIGS'
      election to exercise a portion, all or none of the remaining options must
      be made prior to the deposit of monies into escrow by the Third Parties.
      Monies used to exercise these options, in excess of the “back salaries,”
      shall be held in escrow to be delivered to GOLDEN PHOENIX after completion
      of the purchase by the Third
Parties.

              

      

      
        	
                 
      

              	
                h.

              	
                The
      Third Parties will purchase the entirety of shares resulting from the
      options exercised as set forth in paragraphs 2.e. and 2.g, by first
      placing into escrow monies sufficient to satisfy the purchase price of all
      of the shares subject to the options exercised or elected to be exercised
      as set forth in paragraphs 2.e. and 2.g, said purchase price to be
      determined pursuant to paragraph 2.d. Monies deposited into escrow by the
      Third Parties may be applied by the CRAIGS to the exercise price of the
      remaining options pursuant to paragraph 2.g. After the Third Parties
      deposit the aforementioned monies into escrow and any remaining options
      that the CRAIGS choose to exercise pursuant to paragraph 2.g. are
      exercised, the escrow holder shall deliver to the Third Parties all shares
      resulting from the options exercised as set forth in paragraphs 2.e. and
      2.g. Any of the remaining options not exercised pursuant to this Agreement
      shall be immediately terminated.

              

      

      
        	
                 
      

              	
                i.

              	
                At
      the time the purchase by the Third Parties is completed and shares held in
      escrow delivered to the Third Parties, the monies used to purchase these
      shares shall be delivered from escrow to the Client Trust Account of David
      J. Otto, counsel for the CRAIGS, less the following: (1) fifty percent
      (50%) of the fees owed to the escrow holder, (2) any monies necessary to
      exercise the options as set forth in paragraph 2.g. and, (3) any payroll
      taxes required to be paid by GOLDEN PHOENIX pursuant to the use of the
      “back salaries” and the exercise of the subject options, to be distributed
      to the CRAIGS by Mr. Otto.

              

      

      

      
        
           

        

        
          Page 3 of
9

          
            

          

        

        
           

        

      

      
        	
                 
      

              	
                j.

              	
                The
      CRAIGS agree to assume all tax liabilities, including without limitation,
      employer’s and employee’s payroll taxes and fees, i.e., employer’s and
      employee’s share of F.I.C.A., State and Federal unemployment, withholding,
      disability and any other applicable payroll taxes and fees, for the "back
      salaries" credited and options exercised pursuant to this Agreement.
      GOLDEN PHOENIX will identify amounts to be deducted pursuant to paragraph
      2.i.(3).

              

      

      
        	
                 
      

              	
                3.

              	
                Release and Satisfaction of
      the Claims. STEVEN D. CRAIG shall file a dismissal with prejudice
      of the Complaint and GOLDEN PHOENIX will dismiss its Third-Party
      Complaint. In exchange for the payments from escrow and conditions made
      under Paragraph 2 above, the Parties, and each of them, for and on behalf
      of themselves, their heirs, executors, administrators, successors,
      predecessors, assigns, insurers, parents, attorneys, parent corporations,
      subsidiaries, related entities, trustees, partners, shareholders,
      officers, directors, agents, employees, and third party administrators,
      hereby release and discharge each and every party to this Agreement,
      including their respective heirs, executors, administrators, successors,
      predecessors, assigns, insurers, parents attorneys, parent corporations,
      subsidiaries, related entities, trustees, partners, shareholders,
      officers, directors, agents, employees, and third party administrators,
      from any and all claims, demands, causes of action, obligations, damages,
      and liabilities of any kind and nature whatsoever, whether in law or in
      equity, which either party ever had, now has, or may in the future have in
      any way connected with the matters, Lawsuit and Claims described in this
      Agreement, including without limitation, any and all claims for options,
      back salaries, business expenses and
interest.

              

      

      

      The
Parties, and each of them, acknowledge that there is a risk that, prior to the
execution of this Agreement, they may have incurred, suffered, or sustained
injury, loss, damage, costs, attorneys’ fees, or expenses, which are in some way
caused by and/or connected with the persons, entities, the matters referred to
in this Agreement, and which are unknown or unanticipated at the time that this
Agreement is signed, or which are not presently capable of being
ascertained.  The Parties, and each of them, further acknowledge that
there is a risk that such damages as are known may become more serious than they
now expect or anticipate.  Nevertheless, the Parties, and each of
them, acknowledge that this Agreement has been negotiated and agreed upon in
light of those risks and hereby expressly waive all rights they may have in any
such unknown claims and assumes the risk that the facts and law pertaining to
this dispute may change or be different than is now known.  The
provisions of this paragraph extend to all claims actually made or which could
have been made in the above legal proceedings and all claims, whether or not
known, claimed or suspected, and whether currently existing or arising in the
future, by and between the parties hereto.

      

      The
Parties, and each of them, acknowledge that they are aware that they may
hereafter discover facts in addition to, or different from, those which they now
know or believe to be true, but the Parties, and each of them, intend hereby
fully and finally and forever to settle and to release any and all matters,
disputes, and differences, known or unknown, suspected or unsuspected, which do
now exist, may exist, have existed, or may exist in the future which arise out
of, directly or indirectly, or are in any way connected with the matters
described in this Agreement and regardless of whether such claims were asserted
in the Lawsuit.  In furtherance of this intention, the releases herein
shall be and remain in effect as full and complete general releases
notwithstanding discovery or existence of any such additional or different
facts.

      

      
        
           

        

        
          Page 4 of
9

          
            

          

        

        
           

        

      

      
        	
                 
      

              	
                4.

              	
                Tax
      Liabilities.  The CRAIGS agree that they are wholly and
      solely responsible for the evaluation of any legal or financial
      obligations related to the tax liability or implication of this
      compromise, the exchange and relinquishment of the Claims, and the
      dismissal of the Lawsuit with the exception of those amounts of applicable
      taxes and fees chargeable against GOLDEN PHOENIX or that must be
      withheld by GOLDEN PHOENIX, in excess of those amounts identified to be
      deducted from the monies to be delivered to the CRAIGS pursuant to
      paragraph 2.i.(3).

              

      

      
        	
                 
      

              	
                5.

              	
                Warranties.  The
      Parties warrant that no promises or inducements have been offered except
      as set forth herein, that this Agreement is executed without reliance upon
      any statements or representations by persons or parties released or their
      representatives concerning the nature and extent of the damages and/or
      legal liability therefor; that it is binding on the Parties, as well as
      their respective companies, organizations, successors, agents, heirs and
      assigns.  The Parties further warrant that they are legally
      competent and authorized to execute this Agreement, and that they accept
      full responsibility therefor.

              

      

      
        	
                 
      

              	
                6.

              	
                Compromise.  This
      Agreement constitutes a full and final compromise and settlement of any
      and all disputes between the Parties known or unknown, including, but not
      limited to, the Lawsuit and the Claims, which are disputed and uncertain,
      and about which the CRAIGS and GOLDEN PHOENIX
      make no admissions as to validity or
  enforceability.

              

      

      
        	
                 
      

              	
                7.

              	
                Reliance on Own Judgment and
      Legal Consultation.  Each of the Parties acknowledges
      that it relies wholly upon advice of counsel and its own judgment, belief
      and knowledge as to the nature, extent and duration of the issues, claims,
      defenses, rights and obligations relating to the Lawsuit, Claims and this
      Agreement, and each represents that it has not been influenced to any
      extent whatsoever in making this Agreement by any representations or
      statements concerning the Lawsuit and Claims or regarding any other
      matters made by persons, firms, or corporations who are hereby released,
      or by any person or persons representing them.  The Parties
      acknowledge that they have retained and consulted their own attorneys in
      executing this Agreement and the legal effect
  thereof.

              

      

      
        	
                 
      

              	
                8.

              	
                Representations. The
      CRAIGS and GOLDEN PHOENIX further represent and warrant as
      follows:

              

      

      
        	
                 
      

              	
                a.

              	
                Consents.  The
      execution and delivery of this Agreement, and the consummation and
      performance of the terms and conditions contemplated by this Agreement, do
      not require any consent, approval or action of, or any filing with or
      notice to any person, public authority or entity except as otherwise
      stated in this Agreement and the Parties executing this Agreement are duly
      authorized to enter into this
Agreement.

              

      

      
        	
                 
      

              	
                b.

              	
                Enforceability.  Assuming
      due execution and delivery of this Agreement by each Party, this Agreement
      constitutes the valid and legally binding obligations of the Parties,
      enforceable against the Parties in accordance with their
      terms.

              

      

      
        	
                 
      

              	
                c.

              	
                No
      Conflicts.  Neither the execution, delivery or
      performance of this Agreement will conflict in any respect with, result in
      a breach of, or constitute a default under, any court or administrative
      order or process, judgment, decree, statute, law, ordinance, rule or
      regulation or any agreement or commitment to which parties executing the
      same are party or are subject or bound, except where such conflict, breach
      or default would not have a material adverse effect on their ability to
      perform their obligations contemplated
herein.

              

      

      

      
        
           

        

        
          Page 5 of
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                d.

              	
                No
      Assignment.  No claims, third-party claims, or rights of
      the Parties purported to have been released herein have been sold,
      transferred or assigned and no attempt to do so shall
    occur.

              

      

      
        	
                 
      

              	
                e.

              	
                Disclosure.  The
      statements of the Parties contained herein are true and correct in all
      material respects and do not omit any material fact necessary to make the
      statements contained herein not
misleading.

              

      

      
        	
                 
      

              	
                f.

              	
                Entire Agreement; No
      Waiver.  This Agreement constitutes the entire agreement
      between the Parties relating to the subject matter contained
      herein.  No waiver of any of the provisions of this Agreement
      shall be deemed a waiver of, nor shall constitute a waiver of any other
      provision, whether or not similar, nor shall any waiver constitute a
      continuing waiver. No supplement, modification or amendment of this
      Agreement shall be binding unless executed in writing by all the
      Parties.

              

      

      
        	
                 
      

              	
                g.

              	
                Construction.  The
      terms and conditions of this Agreement shall be construed as a whole
      according to its fair meaning and not strictly for or against any
      party.  The Parties acknowledge that each of them has reviewed
      this Agreement and has had the opportunity to have them reviewed by their
      attorneys and that any rule of construction to the effect that ambiguities
      are to be resolved against the drafting party shall not apply in the
      interpretation of this Agreement, including any amendments.  The
      Parties further agree that prior drafts of this Agreement shall not be
      relevant or considered in connection with the construction or
      interpretation of this Agreement, or to vary, modify or contradict any of
      the terms or provisions of this
Agreement.

              

      

      
        	
                 
      

              	
                h.

              	
                Accord and
      Satisfaction.  This Agreement shall be considered an
      accord and satisfaction between the Parties and not a
      novation.  Should any Party default under the terms of this
      Agreement, the non-defaulting Party shall be entitled only to the rights
      and remedies set forth herein, and shall not have any right to reinstate
      the lawsuit, the Parties expressly acknowledging the compromise of the
      disputes in this Agreement.

              

      

      
        	
                 
      

              	
                i.

              	
                Notices.  Any
      notice or other communication required or permitted to be delivered to any
      party under this Agreement shall be in writing and shall be deemed
      properly delivered, given and received when delivered (by hand, by
      registered or certified mail, return receipt requested, by courier or
      express delivery service) to the address or facsimile number set forth
      beneath the name of such party and its counsel below (or to such other
      address as such party shall have specified in a written notice given to
      the other parties hereto).  In the event of failure of actual
      receipt by reason of refusal of acceptance of delivery or change of
      address and failure to give notice of such change, notice shall be deemed
      received at the time of refusal of acceptance of first attempted
      delivery.

              

      

      

      

      
        
           

        

        
          Page 6 of
9

          
            

          

        

        
           

        

      

      

      
        	
                If
      sent to STEVEN D. CRAIG AND THE ESTATE OF COLLETTE
      CRATER-CRAIG:

              	 
      	
                STEVEN
      D. CRAIG AND THE ESTATE OF COLLETTE CRATER-CRAIG

                C/o
      David J. Otto

                1982
      North Rainbow Blvd., #117

                Las
      Vegas, NV 89108

                Tel:  (702)
      577-9300

                Fax:
      (702) 255-2858

              
	 
      	 
      	 
      
	
                If
      sent to GOLDEN PHOENIX:

              	 
      	
                GOLDEN
      PHOENIX Minerals, Inc.

                C/o
      Tamara L. Boeck, Esq.

                Bullivant
      Houser Bailey, P.C.

                1415
      L. Street, Ste 1000

                Sacramento,
      CA 95814

                Tel:
      (916) 930-2500

                Fax:
      (916) 930-2501

              

      

      

      Any Party
may change its address for purposes of this paragraph by giving the other party
written notice of the new address in the manner set forth above.

      
        	
                 
      

              	
                j.

              	
                Partial
      Invalidity.  If any term of this Agreement or the
      application of any term of this Agreement should be held by a court of
      competent jurisdiction to be invalid, void or unenforceable, all
      provisions, covenants and conditions of this Agreement, and all of its
      applications, not held invalid, void or unenforceable, shall continue in
      full force and effect and shall not be affected, impaired or invalidated
      in any way.

              

      

      
        	
                 
      

              	
                k.

              	
                Attorneys’
      Fees.  The parties to this Agreement shall bear their own
      attorneys’ fees and costs incurred in this litigation, as well as on the
      preparation of this Agreement.  In the event that any Party
      commences an action to enforce or interpret this Agreement, or for any
      other remedy based on or arising from this Agreement or the Accompanying
      Exhibit, the prevailing Party therein shall be entitled to recover its
      reasonable and necessary attorneys’ fees and costs
      incurred.  For the purposes of this provision, the “prevailing party” shall
      be that Party which has been successful with regard to the main issue,
      even if that Party did not prevail on all
  issues.

              

      

      
        	
                 
      

              	
                l.

              	
                Necessary
      Action.  Each of the Parties shall do any act or thing
      necessary to execute any or all documents or instruments necessary or
      proper to effectuate the provisions and intent of this
      Agreement.

              

      

      
        	
                 
      

              	
                m.

              	
                Governing Law and
      Forum.  The laws of the State of Nevada, without giving
      effect to choice of law or conflict of law principles, shall govern the
      validity, construction, performance and effect of this
      Agreement.  Any lawsuit to interpret or enforce the terms of
      this Agreement shall be brought in a court of competent jurisdiction in
      Washoe County, Nevada.

              

      

      
        	
                 
      

              	
                n.

              	
                Counterparts and
      Facsimile/copy.  This Agreement may be executed in
      counterparts, in different locations, and copies, scans or facsimiles of
      signatures shall be legally binding as
  originals.

              

      

      

      
        
           

        

        
          Page 7 of
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      IN
WITNESS WHEREOF, the Parties hereto, intending to be legally bound, execute this
Agreement effective as of the last date executed below.

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      
        
           

        

        
          Page 8 of
9

          
            

          

        

        
           

        

      

       

      [signature
blocks intentionally on next page]

      
        	
                GOLDEN
      PHOENIX MINERALS, INC.

              	 
      	
                STEVEN
      D. CRAIG

              
	 
      	 
      	 
      
	 
      	 
      	 
      
	
                By:
      /s/ David A.
      Caldwell

              	 
      	 
      
	
                David
      A. Caldwell

              	 
      	 
      
	
                Its:
      Chief Financial Officer

              	 
      	
                /s/ Steven D.
      Craig

              
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	
                ESTATE
      OF COLLETTE CRATER-CRAIG

              
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	
                By:
      /s/ Sonia M.
      Merz

              
	 
      	 
      	
                Sonia
      M. Merz

              
	 
      	 
      	
                Its:
      Successor Trustee

              
	 
      	 
      	 
      
	 
      	 
      	 
      
	
                APPROVED
      AS TO FORM AND CONTENT

              	 
      	
                APPROVED
      AS TO FORM AND CONTENT

              
	 
      	 
      	 
      
	
                BULLIVANT
      HOUSER BAILEY, PC

              	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	
                By:
      /s/ Tamara L.
      Boeck

              	 
      	
                By:
      /s/ David J.
      Otto

              
	
                Tamara
      L. Boeck

              	 
      	
                David
      J. Otto

              
	
                1415
      L. Street, Ste 1000

              	 
      	
                1982
      North Rainbow Blvd., #117

              
	
                Sacramento,
      CA 95814

              	 
      	
                Las
      Vegas, NV 89108

              
	
                Attorney
      for GOLDEN PHOENIX

              	 
      	
                Attorney
      for STEVEN D. CRAIG and the ESTATE OF COLLETTE
  CRATER-CRAIG

              

      

      

       

       

      
 

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