Document:

EXHIBIT 4.16

 

Deed of
settlement and release – Mr Christopher D Lewis

 

 

This deed of settlement
and release

 

is made on 15th April 2004
between the following parties:

 

1.                                     Christopher Lewis

C/- Nathan Kuperholz, Level 2, 280 Queen Street,
Melbourne, Victoria, 3000

(Lewis)

 

2.                                     National Australia Bank Limited

ABN 12 004 044 937

of 500 Bourke Street, Melbourne, Victoria, 3000

(the National)

 

Recitals

 

A.                                  Lewis
was employed as Executive General Manager, Risk Management of the National
pursuant to terms and conditions of appointment and employment contained in a
letter and attachments dated 31 May 2001.

 

B.                                    The
employment contract provides for various entitlements and imposes obligations
on the parties depending upon the reasons for termination of employment.

 

C.                                    Lewis’
employment as Executive General Manager, Risk Management of the National was
terminated on 12 March 2004.

 

D.                                   On
about 12 March 2004, a PricewaterhouseCoopers report was released entitled
“Investigation into
foreign exchange losses at the National Australia Bank” (the PwC
Report). On about 23 March 2004 a report was released by the
Australian Prudential Regulation Authority entitled “APRA Report into Irregular
Currency Options Trading at the National Australia Bank” (the APRA
Report).

 

E.                                     The
parties have agreed to settle the terms of Lewis’ termination, and any claims
arising from any publication by the National of or concerning the PwC Report or
the APRA Report, in accordance with this deed.

 

This deed witnesses

 

that in
consideration of, among other things, the mutual promises contained in this
deed, the parties agree:

 

1                                        Payment

 

1.1                              The National must pay to Lewis within 7 days of the date of
execution of this deed by Lewis the sum of $900,237.80 (Settlement Sum), less
appropriate taxation deductions as required by law for payment of all
contractual and statutory amounts in respect of the termination of Lewis’
employment with the National which are identified in Attachment 1.

 

The Settlement
Sum is in respect of the following components as set out in Attachment 1:

 

(a)                                  Adjustment
due to increase of TEC including accrued annual leave;

 

 

(b)                                 TRP
for the notice period 13 March 2004 to 23 April 2004;

 

(c)                                  TRP
for the period 24 April 2004 to 12 June 2005; and

 

(d)                                 Deferred
“at risk” incentive payment.

 

1.2                              Accrued
entitlements

 

The National
has already paid the amount of $101,156.87 to Lewis on 15 March 2004. This
payment is in satisfaction of TRP to 12 March 2004 and includes all of
Lewis’ accrued annual leave and annual leave loading entitlements.

 

1.3                              Retention
of Share options

 

The National
acknowledges that Lewis will retain the 200,000 share options granted to Lewis
on 13 September 2001 on the same terms and conditions as those options
were issued.

 

1.4                              Sundry
items

 

In addition to
the payment of the Settlement Sum by the National to Lewis, the National will
address various sundry items in accordance with the terms of the letter in
Attachment 2.

 

1.5                              Reasonable
legal expenses

 

The National
will reimburse Lewis’ reasonable legal expenses incurred since the termination
of his employment and which relate to legal advice solely in relation to the
termination of his employment and the negotiation and conclusion of the
settlement as reflected in this deed. Reimbursement of such reasonable legal
expenses will be made within 14 days of receipt of the itemised account from
Lewis’ solicitor.

 

2                                        Lewis’ acknowledgments, release and undertaking
to National

 

2.1                              Acknowledgments

 

Lewis
acknowledges that:

 

(a)                                  the
National pays the Settlement Sum under clause 1.1, allows retention of the
share options under clause 1.2 and addresses the sundry items under clause 1.3
in full settlement of any claims against the National:

 

(i)                                    arising
from Lewis’ employment with the National, or its termination; or

 

(ii)                                 in
respect of any publication of or concerning the PwC Report or the APRA Report,

 

that Lewis has now or may have had in the
future if the parties had not executed this deed; and

 

(b)                                 this
deed must not be interpreted as an admission by the National of liability to
Lewis for any matter.

 

 

2.2                              Release

 

Lewis releases
absolutely and discharges the National from any claim, action, suit, cause of
action, demand, liability, damages and costs (whether at common law, in equity
or, to the extent permitted, under any statute):

 

(a)                                  arising
in any way concerning or in the course of Lewis’ employment or directorships
with the National or their termination (but excluding any claim for personal
injury arising under the Accident Compensation Act 1985 (Vic));

 

(b)                                 for
reimbursement of reasonable work related expenses which remain outstanding as
at the date of this deed (including any reasonable amounts owing on the company
credit card as of 12 March 2004); or

 

(c)                                  in
respect of any publication of or concerning the PwC Report or the APRA Report,

 

that Lewis has
now or may have had in the future if the parties had not executed this deed.

 

2.3                              Resignation
from appointments

 

Lewis agrees
to take immediate steps to terminate his directorships or appointments to any
body (including, but not limited to, any related corporation of the National)
which Lewis holds as a result of, or arising from, his employment with the
National.

 

3                                        Release of Lewis

 

(a)                                  Subject to clause 3(b), the National releases and discharges Lewis
from any claim, action, suit, cause of action, demand, liability, damages and
costs (whether at common law, in equity or, to the extent permitted, under any
statute) the National has or may have against Lewis in respect of Lewis’
employment with the National.

 

(b)                                 The National does not release or discharge Lewis in any manner
whatsoever in respect of any claim, action, suit, cause of action, demand,
liability, damages and costs (whether at common law, in equity or, to the
extent permitted, under any statute) arising from any criminal or fraudulent
conduct committed by Lewis in the course of his employment with the National.

 

4                                        Confidentiality

 

(a)                                  Neither party may disclose any information in respect of the terms
of this deed, other than:

 

(1)                                 for
the purpose of enforcing this deed;

 

(2)                                 with
the express authority of the other party; or

 

(3)                                 as
required by any:

 

(A)                             applicable
law;

 

(B)                               order
of a court of competent jurisdiction;

 

 

(C)                               rule of
a recognised stock exchange; or

 

(D)                              government
department or agency.

 

(b)                                 Notwithstanding clause 4(a), the National may disclose information
in respect of the terms of this deed in the course of its compliance with
regulatory disclosure obligations and communication with shareholders.

 

5                                        Future co-operation

 

(a)                                  To
ensure a smooth transition, Lewis agrees to co-operate fully with any requests
made by the National for the provision of information and other assistance
concerning the business, affairs or customers of the National.

 

(b)                                 Lewis
agrees that he will, if requested by the National or any subsidiary of the
National, provide such assistance (including by giving statements and evidence)
as the National or the subsidiary may reasonably require in respect of any
court proceedings or any investigation or enquiry by any relevant regulator in
relation to the National or the subsidiary.

 

(c)                                  Subject
to satisfactory substantiation, the National agrees to reimburse Lewis for all
reasonable time spent and/or reasonable expenses incurred by him in providing
assistance in accordance with clause 5(b).

 

6                                        Plea in bar

 

(a)                                  The National may plead this deed in bar to any claim or proceeding
by Lewis in respect of the subject matter of the release in clause 2.

 

(b)                                 Lewis may plead this deed in bar to any claim or proceeding by the
National in respect of the subject matter of the release in clause 3.

 

7                                        Costs and expenses

 

The National
must pay all reasonable costs and expenses in respect of the negotiation,
preparation, execution, delivery, stamping and registration of this deed.

 

8                                        Lewis’ warranties

 

Lewis warrants
that:

 

(a)                                  Lewis
has entered into this deed voluntarily and without any duress from the
National;

 

(b)                                 except
as set out in this deed, the National has not made any promises,
representations or inducements to Lewis to enter into this deed;

 

(c)                                  Lewis
has had full opportunity to consult Lewis’ legal advisers concerning the
nature, effect and extent of the matters addressed by this deed; and

 

(d)                                 Lewis
is aware that the National is relying on this warranty in executing this deed.

 

 

9                                        Governing law and jurisdiction

 

(a)                                  This deed is governed by the law of Victoria.

 

(b)                                 Each of the parties irrevocably submits to the non-exclusive
jurisdiction of the courts of Victoria.

 

10                                 Severability

 

(a)                                  Any clause in this deed which is prohibited in any jurisdiction is,
in that jurisdiction, ineffective only to the extent of that prohibition.

 

(b)                                 Any clause in this deed which is void, illegal or unenforceable in
any jurisdiction does not affect the validity, legality or enforceability of
that provision in any other jurisdiction or of the remaining provisions in that
or any other jurisdiction.

 

11                                 Entire agreement

 

This deed,
including the Attachments hereto, embodies the entire agreement between the
parties in respect of the subject matter of the deed and there is no other
understanding, agreement, representation or warranty, whether expressed or
implied, in any way extending, modifying or qualifying any of the provisions of
this deed.

 

12                                 Time of the essence

 

Time is of the
essence of this deed.

 

13                                 Counterparts

 

(a)                                  This deed may be executed in any number of counterparts.

 

(b)                                 All counterparts, taken together, constitute one deed.

 

(c)                                  A party may execute this deed by signing any counterpart.

 

Executed as a deed:

 

 

	
  The common seal of

  	
   

  	
   

  
	
  National Australia Bank

  	
   

  	
   

  
	
  is fixed to
  this document

  	
   

  	
   

  
	
  in the
  presence of:

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Secretary/Director

  	
   

  	
  Director

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Name (please
  print)

  	
   

  	
  Name (please
  print)

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Signed sealed and delivered by

  	
   

  	
   

  
	
  Christopher Lewis

  	
   

  	
  [Original signed]

  
	
  in the
  presence of:

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  [Original signed]

  
	
   

  	
   

  	
  Witness

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  NATHAN
  KUPERHOLZ

  
	
   

  	
   

  	
  (c/- 280
  Queen Street, Melbourne 3000)

  
	
   

  	
   

  	
  A natural person who is a current

  
	
   

  	
   

  	
  Practitioner
  within the meaning of

  
	
   

  	
   

  	
  The Legal
  Practice Act 1996

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Name (please
  print)

  

 

 

Attachment 1 – Components of
Settlement Sum

 

	
  Description

  	
   

  	
  Amount(1)

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  1

  	
  Adjustment
  due to increase of TEC from $680,000 per annum to $681,000 per annum from 1
  January 2004 to 12 March 2004 inclusive, including adjustment to
  accrued annual leave and annual leave loading (i.e. additional TEC of
  $192.40, plus annual leave and loading of $142.08).

  	
   

  	
  $

  	
  334.48

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  2

  	
  6 weeks’
  notice payment @ TRP of $626,322.08 per annum (i.e. $626,322.08 / 52 x 6)

  	
   

  	
  $

  	
  72,267.93

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  3

  	
  TRP payment
  of 59 weeks (termination because of “changed requirements”) @ $626,322.08 per
  annum (i.e. $626,322.08 / 52 x 59)

  	
   

  	
  $

  	
  710,634.67

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  4

  	
  Deferred
  incentive payment

  	
   

  	
  $

  	
  117,000.00

  	
   

  

 

 

(1) Amounts expressed are gross, unless otherwise
stated and are subject to deduction of tax as required by law.

 

 

Attachment 2 – Sundry items

 

13 April 2004

 

Mr Nathan Kuperholz

Solicitor

Level 2

280 Queen Street

Melbourne

3000

 

 

Dear Mr
Kuperholz

 

Christopher Lewis

 

As discussed
with Mr Tony Wood, Partner Freehills, I am writing to confirm the following
arrangements that will apply following the execution of a mutual release
agreement between Mr Lewis and the National:

 

1.               Mr Lewis will be able
to retain the Palm Pilot, Desktop Computer, Laptop Computer and mobile
telephone issued to him by the National.

 

2.               The National will
install a security system into Mr Lewis’ new residence and will maintain such
system for a period through until 31 December 2004. At that time Mr Lewis
will be able to either purchase the system at an agreed price of 50% of capital
cost or have it removed from his residence with the National to meet all costs
of removal.

 

Should you
have any queries please do not hesitate to contact me on 8641 3982.

 

	
  Yours
  sincerely

  
	
   

  
	
   

  
	
  Jim
  YoungEXHIBIT
4.17

 

Deed of settlement and release
– Mr Peter A McKinnon

 

 

Dated: 26 March 2004

 

 

Terms of
Settlement

And

Release
Agreement

 

 

Peter
McKinnon

(“Mr
McKinnon”)

 

 

and

 

 

National
Australia Bank Limited

ABN
12004044937

(“National”)

 

 

TERMS of
SETTLEMENT and RELEASE AGREEMENT

 

Date:                            26
March 2004

 

Parties:                       NATIONAL
AUSTRALIA BANK LIMITED (ABN 12004044937) of 500 Bourke Street Melbourne
3000 (“the National”); and

 

Peter
McKinnon of 94 Drummond Street, Carlton, Victoria (“Mr
McKinnon”)

 

Recitals:

 

A.        Mr
McKinnon was appointed as Executive General Manager Human Resources on 23 August 1999.

 

B.         In
April 2004, Mr McKinnon is to transfer to the position of Executive
General Manager, Executive Support (the “new position”) prior to leaving the
organisation on 31 December 2004 (“the termination date”).

 

C.         Mr
McKinnon will remain in the new position through until the termination date.

 

D.         The
termination date may be varied by mutual agreement between the parties.

 

E.         The
contract of employment between the National and Mr McKinnon will end on the
termination date.

 

F.         The
National denies any liability to Mr McKinnon.

 

G.         In
order to avoid the time and costs of any possible proceedings, the parties have
agreed to settle all matters between them on the terms contained in this
agreement (“this Agreement”).

 

Governing Law:

 

This Agreement is governed by the law of the
State of Victoria

 

Operative Provisions:

 

1              Obligations
to be fulfilled by the National

 

1.1        Upon
exchange of this Agreement duly executed by the parties, in accordance with the
provisions of his Executive Service Agreement the National will, within 14 days
after the termination date, authorise payment to Mr McKinnon of a gross lump
sum retrenchment payment of $902,235.

 

1.2        This
amount shall be subject to applicable deductions of taxation as required by law

 

1.3        In
addition, Mr McKinnon will receive:

 

1.3.1        Accrued
statutory entitlements as at the date of termination;

 

1.3.2        Outplacement
services at the executive level;

 

 

1.3.3        Payment
of his deferred incentive a total of $112,000 (gross)

 

1.3.4        Approval
to retain all Executive Options and Performance Rights granted to him under the
National Executive Options Programs in accordance with the terms and conditions
of their original offer (250,000 Options issues in 2001; 200,000 Options issues
in 2002; 100,000 Options and 25,000 Performance Rights issued in 2003; and
100,000 Options and 25,000 Performance Rights issued in 2004);

 

1.3.5        Approval
to have any existing concessional lending with the National continue for a 12
month period following termination of his employment; and

 

1.3.6        A
Certificate of Service from the National.

 

1.4        Should
the National make any payments under the EVA Incentive Scheme for 2003/2004
payment will be made to Mr McKinnon in December 2004 and Mr McKinnon will
qualify for a payment on the same basis as all other Executive General
Managers. Should the termination date occur prior to 30 September 2004
there will be no pro-rata of the eligibility period. For the avoidance of doubt
payment will be based on the period 1 October 2003 to 30 September 2004.

 

2              No
admission of liability

 

2.1        The
parties agree that this Agreement must not be interpreted as an admission by
the National of liability to Mr McKinnon for any matter, other than as expressly
provided in this Agreement.

 

3              Obligations
to be fulfilled by Mr McKinnon

 

3.1        Upon
receiving payment and benefits as provided in clause 1 of this Agreement, Mr
McKinnon undertakes not to lodge any applications or make any claim against the
National or any of its officers or employees pursuant to any law of the
Commonwealth or a State relating to unfair termination or other related claims
as referred to in clause 3 of this Agreement.

 

4              Release

 

4.1        In
consideration of the National paying such amount as referred to in paragraph 1
above, Mr McKinnon hereby RELEASES AND FOREVER
DISCHARGES the National, which expressions shall include all past
and present employees, senior managers and directors from all actions, suits,
proceedings, causes of action, claims and demands whatsoever and howsoever
arising which Mr McKinnon now has or may have had save for any rights arising
from personal injury or, but for this Agreement, he could or might have against
the National arising out of the employment of Mr McKinnon by the National or
the termination of that employment. Not withstanding the generality of the
foregoing, upon execution of this Agreement Mr McKinnon shall take all steps
necessary to withdraw and forever stay any proceedings

 

 

commenced or pending against the National in
any Court, Commission or Tribunal.

 

4.2        The National hereby RELEASES AND
FOREVER DISCHARGES Mr McKinnon from all actions, suits, proceedings,
causes of action, claims and demands whatsoever which the National has or which
but for this Agreement, the National could or might have had against Mr
McKinnon arising out of the employment of Mr McKinnon by the National or the
termination of that employment save for the right to issue proceedings should
it be discovered at a later date that Mr McKinnon had deliberately defrauded
the National.

 

5              Confidentiality

 

5.1        Subject
to this paragraph, a party to this Agreement must not disclose to any person
whatsoever the terms of this Agreement including, without limiting the
generality of this obligation, the amounts payable hereunder by the National or
the discussions between the parties leading to the making of this Agreement.

 

5.2        A
party may disclose information within this clause as follows:

 

5.2.1        in
the case of Mr McKinnon to his  family;

 

5.2.2        to
the legal and financial advisers of that party;

 

5.2.3        with
the prior written consent of the other party;

 

5.2.4        as
required by law;

 

5.2.5        as
required by any regulatory body including a stock exchange;

 

5.2.6        for
the purpose of enforcing this Agreement in legal proceedings;

 

5.2.7        for
the purpose of effecting any rollover of the payment provided in clause 1.1 of
this Agreement to an approved superannuation fund.

 

5.3        Without
limiting any express or implied obligation of confidentiality upon him under
any statute (including the Corporations Law) or under his contract of
employment with the National, Mr McKinnon undertakes that he will not divulge
to any person or use any trade secrets or confidential information concerning
the business, financial arrangements or position of the National or any other
confidential information belonging to the National except with prior written
authority of the National.

 

5.4        So that there can be no
misunderstanding confidential information means: any trade secrets, process, formulae
or other confidential information relating to the business affairs, accounts,
works, marketing plans, sales plans, prospects, research, management,
financing, products, inventions, designs, processes and any data bases, data
surveys, customer lists, specifications, drawings, records, reports, software
or other documents, material, meetings, minutes of meetings,
disputes, and all matters relating to any litigation, threatened litigation,
investigations, inquiries, judicial or quasi judicial proceedings or other information whether
in writing or otherwise concerning the National or any clients or suppliers to
which Mr McKinnon gained access, whether before, during or after his
employment. Where there is any doubt about whether information is confidential
it should be deemed to be confidential information.

 

 

5.5        Neither party shall disparage the other nor speak of the
other in the terms which are likely to be injurious to the commercial or
personal standing of the other.

 

6              No
Public Comment

 

6.1        Mr McKinnon and the National must not make any statement, or
induce anyone else to make any statement (whether written or oral) about Mr
McKinnon’ employment, the cessation of that employment or any related matter
which:

 

6.1.2        in
respect of Mr McKinnon is likely to harm his reputation; or

 

6.1.3        in
respect of the National, is likely to harm the reputation of the National, its
directors, officers or employees

 

unless and to the extent that the statement
is required to be made by law or by a stock exchange.

 

7              No
Representation

 

7.1        After
the termination date Mr McKinnon agrees not to represent himself as an officer
or employee of the National or as being in any way connected with or interested
in the business of the National.

 

8              Competency

 

8.1        Mr
McKinnon acknowledges that:

 

8.1.1        he
was given the opportunity to seek independent legal and other advice of their
choice before executing this Agreement;

 

8.1.2        in
light of any advice provide, he considered his position;

 

8.1.3        if
advised by his legal representative, he has been advised as to the terms of
this Agreement

 

8.1.4        the
effect of this Agreement is fully understood; and

 

8.1.5        the
terms of this Agreement are fair and reasonable.

 

9              Entire
Agreement

 

9.1        Mr
McKinnon acknowledges and agrees that this Agreement:

 

9.1.1        Constitutes
the entire agreement of the parties concerning the resolution of all matters
relating to the employment and termination of Mr McKinnon’ employment

 

 

9.1.2        Supersedes
all prior agreements, understandings and negotiations in respect of same.

 

10           No
Representations and Warranties

 

10.1      Mr McKinnon acknowledges that in entering this Agreement he
has not relied on any representations or warranties except as expressly
provided by the written terms of this Agreement.

 

11           Transition
Arrangements

 

11.1      To
ensure a smooth transition, Mr McKinnon agrees to co-operate fully with any
requests made by the National for the provision of information and other
assistance concerning the business, affairs or customers of the National.

 

12           National
Property

 

12.1      Mr
McKinnon agrees to:

 

12.1.1      immediately
deliver to the National all property belonging to the National which is in his
possession, custody or control including without limitation all books,
documents (including emails), papers, materials and any other item; and

 

12.1.2      not
make or retain a copy of any document which is the property of the National,
including any computer-based copies.

 

13           Severance

 

13.1      If
the whole or any part of this Agreement is void, unenforceable or illegal in a
jurisdiction it is severed for that jurisdiction. The remainder of this
Agreement has full force and effect and the validity or enforceability of that
provision in any other jurisdiction is not effected. This clause has no effect
if the severance alters the basic nature of this Agreement or is contrary to
public policy.

 

14           Remedies

 

14.1      Mr
McKinnon acknowledges that the remedy at law for breach of any of his    obligations under this Agreement would be
inadequate and that temporary and permanent relief by way of injunction against
Mr McKinnon may be granted in any proceedings which the National or any person
acting on its behalf may bring to enforce any of the proceedings of this
Agreement.

 

 

15           Variation
and Waiver

 

15.1      A
provision of this Agreement or a right created under it may not be waived or
varied except in writing, signed by each of the parties or their authorised
representatives

 

16           Survival
of Obligations

 

16.1      The
following clauses will survive termination (for whatever reason) of this
Agreement:

 

16.1.1      Clause
4 (Release)

 

16.1.2      Clause
5 (Confidentiality)

 

16.1.3      Clause
6 (No Public Comment)

 

16.1.4      Clause
10 (No Representation and Warranties)

 

17           Inconsistent
Agreements

 

17.1      If
a provision of this Agreement is inconsistent with a provision of any other
agreement between the parties to this Agreement the provisions of this
Agreement prevail.

 

 

EXECUTED as
an agreement

 

 

Execution
Page

 

	
  Signed for and on behalf of

  	
   

  	
  }

  
	
  National Australia Bank Ltd

  	
   

  	
  }

  
	
  this 26 March 2004

  	
   

  	
  }

  
	
  in the presence of:

  	
   

  	
  }

  
	
   

  	
   

  	
   

  
	
  [Original signed]

  	
   

  	
   

  	
  [Original signed]

  	
   

  
	
  Signature of Witness

  	
   

  	
  Signature of authorised representative

  
	
   

  	
   

  	
   

  
	
  JIM YOUNG

  	
   

  	
   

  	
   

  	
   

  
	
  Name of witness

  	
   

  	
  Office held

  
	
   

  	
   

  	
   

  	 

	
  22 McLAREN COURT ROSEBUD 3131

  	
   

  	
  Managing Director & Chief Executive Officer

  	 

	
  Address of witness

  	
   

  	
   

  	 

	
   

  	
   

  	
  John Stewart

  	 

	
   

  	
   

  	
  (By executing this Agreement the signatory
  warrants that he is duly authorised to execute this Agreement on behalf of
  National Australia Bank Limited)

  	 

	
  BANK OFFICER

  	
   

  	
   

  	
   

  	 

	
  Occupation of witness

  	
   

  	
   

  	 

	
   

  	
   

  	
   

  	 

	
   

  	
   

  	
   

  	 

	
  Signed by the said

  	
   

  	
  }

  	 

	
  Peter McKinnon

  	
   

  	
  }

  	 

	
  this 26 March 2004

  	
   

  	
  }

  	 

	
  in the presence of:

  	
   

  	
  }

  	 

	
   

  	
   

  	
   

  	 

	
  [Original signed]

  	
   

  	
   

  	
  [Original signed]

  	
   

  	 

	
  Signature of Witness

  	
   

  	
  Signature of Peter McKinnon

  	 

	
   

  	
   

  	
   

  	 

	
  JIM YOUNG

  	
   

  	
   

  	
   

  	 

	
  Name of witness

  	
   

  	
   

  	 

	
   

  	
   

  	
   

  	 

	
  22 McLAREN COURT ROSEBUD 3131

  	
   

  	
   

  	 

	
  Address of witness

  	
   

  	
   

  	 

	
   

  	
   

  	
   

  	 

	
   

  	
   

  	
   

  	 

	
  BANK OFFICER

  	
   

  	
   

  	
   

  	 

	
  Occupation of witness

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00077-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00077-of-00352.parquet"}]]