Document:

Stipulation and Consent to Issuance of Order to Cease and Desist - Company

 Exhibit 10.2 
 UNITED STATES OF AMERICA 
 Before the 
 OFFICE OF THRIFT SUPERVISION 
  

									
	 	 	)	  		  	
	In the Matter of	 	)	  		  	Order No.:	  	SE-08-012
		 	)	  		  	
		 	)	  		  	
	BANKUNITED FINANCIAL	 	)	  		  	
	CORPORATION	 	)	  		  	Effective Date: September 19, 2008
	Coral Gables, Florida	 	)	  		  	
		 	)	  		  	
	OTS Docket No. H-2451	 	)	  		  	
	 	 	)	  		  	

 STIPULATION AND CONSENT TO ISSUANCE OF ORDER TO CEASE AND DESIST 
 WHEREAS, the Office of Thrift Supervision (OTS), acting by and through its Regional Director for the Southeast Region (Regional Director), and
based upon information derived from the exercise of its regulatory and supervisory responsibilities, has informed BankUnited Financial Corporation, Coral Gables, Florida, OTS Docket No. H-2451 (Holding Company), that the OTS is of the opinion that
grounds exist to initiate an administrative proceeding against the Holding Company pursuant to 12 U.S.C. § 1818(b); 
 WHEREAS,
the Regional Director, pursuant to delegated authority, is authorized to issue Orders to Cease and Desist where a savings and loan holding company has consented to the issuance of an order; and 
 WHEREAS, the Holding Company desires to cooperate with the OTS to avoid the time and expense of such administrative cease and desist proceeding by
entering into this Stipulation and Consent to Issuance of Order to Cease and Desist (Stipulation) and, without admitting or denying that such grounds exist, but only admitting the statements and conclusions in Paragraph 1 below concerning
Jurisdiction, hereby stipulates and agrees to the following terms: 

	1.	Jurisdiction. 

 a. The Holding Company is a
“savings and loan holding company” within the meaning of 12 U.S.C. § 1813(w)(3) and 12 U.S.C. § 1467a. 
 b. Pursuant to
12 U.S.C. § 1818(b)(9), the “appropriate Federal banking agency” may initiate a cease and desist proceeding against a savings and loan holding company in the same manner and to the same extent as against a savings association for
regulatory violations and unsafe and unsound acts or practices. 
 c. Pursuant to 12 U.S.C. § 1813(q)(4), the Director of the OTS is the
“appropriate Federal Banking agency” with jurisdiction to maintain an administrative enforcement proceeding against a savings and loan holding company. Therefore, the Holding Company is subject to the authority of the OTS to initiate and
maintain an administrative cease and desist proceeding against it pursuant to 12 U.S.C. § 1818(b)(1) and (b)(9). 
  

	2.	OTS Findings of Fact.  

 Based on its
January 31, 2008 Report of Examination of the Holding Company, the OTS finds that the Holding Company has engaged in unsafe and unsound practices that have resulted in the Holding Company’s wholly owned savings association subsidiary,
BankUnited, FSB, Coral Gables, Florida, OTS Docket No. 08045 (Association), being in an unsatisfactory condition primarily due to the rising delinquencies and defaults in its payment option arm loan portfolio, a significant portion of which was
originated on a “stated income” basis. The deterioration in this portfolio has resulted in the need for greater levels of capital and allowance for loan and lease losses at the Association. 
  

 2 

	3.	Consent. 

 The Holding Company consents to
the issuance by the OTS of the accompanying Order to Cease and Desist (Order). The Holding Company further agrees to comply with the terms of the Order upon the Effective Date of the Order and stipulates that the Order complies with all requirements
of law. 
  

	4.	Finality. 

 The Order is issued by the OTS
under 12 U.S.C. § 1818(b) and upon the Effective Date it shall be a final order, effective and fully enforceable by the OTS under the provisions of 12 U.S.C. § 1818(i). 
  

	5.	Waivers. 

 The Holding Company waives the
following: 
 a. The right to be served with a written notice of the OTS’s charges against it as provided by 12 U.S.C. § 1818(b) and
12 C.F.R. Part 509; 
 b. The right to an administrative hearing of the OTS’s charges as provided by 12 U.S.C. § 1818(b) and 12
C.F.R. Part 509; 
 c. The right to seek judicial review of the Order, including, without limitation, any such right provided by 12 U.S.C.
§ 1818(h), or otherwise to challenge the validity of the Order; and 
 d. Any and all claims against the OTS, including its employees
and agents, and any other governmental entity for the award of fees, costs, or expenses related to this OTS enforcement matter and/or the Order, whether arising under common law, federal statutes or otherwise. 
  

 3 

	6.	OTS Authority Not Affected.  

 Nothing in
this Stipulation or accompanying Order shall inhibit, estop, bar or otherwise prevent the OTS from taking any other action affecting the Holding Company if at any time the OTS deems it appropriate to do so to fulfill the responsibilities placed upon
the OTS by law. 
  

	7.	Other Governmental Actions Not Affected. 

 The Holding Company acknowledges and agrees that its consent to the issuance of the Order is solely for the purpose of resolving the matters addressed herein, consistent with Paragraph 6 above, and does not otherwise release, discharge,
compromise, settle, dismiss, resolve, or in any way affect any actions, charges against, or liability of the Holding Company that arise pursuant to this action or otherwise, and that may be or have been brought by any governmental entity other than
the OTS. 
  

	8.	Miscellaneous. 

 a. The laws of the United
States of America shall govern the construction and validity of this Stipulation and of the Order; 
 b. If any provision of this Stipulation
and/or the Order is ruled to be invalid, illegal, or unenforceable by the decision of any Court of competent jurisdiction, the validity, legality, and enforceability of the remaining provisions hereof shall not in any way be affected or impaired
thereby, unless the Regional Director in his or her sole discretion determines otherwise; 
 c. All references to the OTS in this Stipulation
and the Order shall also mean any of the OTS’s predecessors, successors, and assigns; 
 d. The section and paragraph headings in this
Stipulation and the Order are for convenience only and shall not affect the interpretation of this Stipulation or the Order; 
 e. The terms
of this Stipulation and of the Order represent the final agreement of the parties with respect to the subject matters thereof, and constitute the sole agreement of the parties with respect to such subject matters; and 
  

 4 

 f. The Stipulation and Order shall remain in effect until terminated, modified, or suspended in writing
by the OTS, acting through its Regional Director or other authorized representative. 
  

	9.	Signature of Directors/Board Resolution.  

 Each Director signing this Stipulation attests that he or she voted in favor of a Board Resolution authorizing the consent of the Holding Company to the issuance of the Order and the execution of the Stipulation. 
 WHEREFORE, the Holding Company, by its directors, executes this Stipulation. 
  

									
		 		 		 	Accepted by:
			
	BANKUNITED FINANCIAL CORP.	 		 	OFFICE OF THRIFT SUPERVISION
	Coral Gables, Florida	 		 		 	
					
	By:	 	 /s/ Alfred A. Camner
	 		 	By:	 	 /s/ John E. Ryan

		 	Alfred A. Camner	 		 		 	John E. Ryan
		 	Chairman of the Board	 		 		 	Southeast Regional Director
					
		 		 		 	Date:	 	See Effective Date on page 1
			
	 /s/ Lawrence H. Blum
	 		 	 /s/ Bradley S. Weiss

	Lawrence H. Blum, Vice Chairman	 		 	Bradley S. Weiss, Director
			
	 /s/ Tod N. Aronovitz
	 		 	 /s/ Allen M. Bernkrant

	Tod N. Aronovitz, Director	 		 	Allen M. Bernkrant, Director

  

 5 

					
	 /s/ Lauren R. Camner
	 		 	 /s/ Marc D. Jacobson

	Lauren R. Camner, Director	 		 	Marc D. Jacobson, Director
			
	 /s/ Hardy C. Katz
	 		 	 /s/ Neil H. Messinger

	Hardy C. Katz, Director	 		 	Neil H. Messinger, M.D., Director
			
	 /s/ Ramiro A. Ortiz
	 		 	 /s/ Albert E. Smith

	Ramiro A. Ortiz, Director	 		 	Albert E. Smith, Ph.D., Director

  

 6OTS Order to Cease and Desist with the Bank

 Exhibit 10.3 
 UNITED STATES OF AMERICA 
 Before the 
 OFFICE OF THRIFT SUPERVISION 
  

									
	 	  	)	 		  	
	In the Matter of	  	)	 		  	Order No.:	  	SE-08-013
		  	)	 		  	
		  	)	 		  	
		  	)	 		  	
	BANKUNITED, FSB	  	)	 		  	Effective Date: September 19, 2008
	Coral Gables, Florida	  	)	 		  	
		  	)	 		  	
	OTS Docket No. 08045	  	)	 		  	
	 	  	)	 		  	

 ORDER TO CEASE AND DESIST 
 WHEREAS, BankUnited, FSB, Coral Gables, Florida, OTS Docket No. 08045 (Association), by and through its Board of Directors (Board) has
executed a Stipulation and Consent to the Issuance of an Order to Cease and Desist (Stipulation); and 
 WHEREAS, the Association, by
executing the Stipulation, has consented and agreed to the issuance of this Order to Cease and Desist (Order) by the Office of Thrift Supervision (OTS) pursuant to 12 U.S.C. § 1818(b); and 
 WHEREAS, pursuant to delegated authority, the OTS Regional Director for the Southeast Region (Regional Director), is authorized to issue Orders to
Cease and Desist where a savings association has consented to the issuance of an order. 
 NOW, THEREFORE, IT IS ORDERED that: 
 Capital. 
 1. On and after December 31, 2008, the
Association shall meet and maintain minimum capital levels of Tier 1 Core Capital of seven percent (7%) and Total Risk Based Capital of fourteen percent (14%). 

 2. Effective immediately, the Board shall (a) review the
Association’s capital levels at each regular monthly Board meeting; and (b) ensure that its Senior Executive Officers (Management)1
continually assesses the sufficiency of the Association’s capital levels relative to the Association’s (i) risk profile, (ii) classified asset levels, (iii) allowance for loan and lease losses (ALLL), (iv) payment
option adjustable rate mortgage loan portfolio (POARM) performance, (v) earnings, and (vi) trends in items (c)(i) through (c)(v). The Board’s review of items (a) and (b) above at each regular monthly Board meeting shall be
fully detailed in the Board meeting minutes. A copy of the Board meeting minutes, including any supporting reports, documents, or information reviewed by the Board will be provided to the Regional Director within thirty (30) days after the date
of each monthly Board meeting. 
 Lending. 
 3.
Effective immediately, the Association shall not: (a) originate any new loans that provide for or may result in negative amortization including, but not limited to, POARMs; and/or (b) engage in any reduced documentation lending practices,
policies and procedures. 
 4. Within thirty (30) days, the Board shall prepare and submit to the Regional Director for review and comment a detailed
written plan with specific timeframes and reporting requirements to reduce the level of POARM Loans (Loan Reduction Plan). The Board shall make any changes to the Loan Reduction Plan required by the Regional Director within thirty (30) days
after receipt. Thereafter, the Board shall adopt and ensure that the revised Loan Reduction Plan is fully implemented and adhered to by the Association. Any modifications to the Loan Reduction Plan shall be submitted to the Regional Director for
review and written non-objection at least thirty (30) days prior to implementation. 
  
  

	 1
	 The term Senior Executive Officer is defined at 12 C.F.R. § 563.555. 

  

 2 

 5. The Board shall review the Association’s compliance with the revised Loan Reduction Plan on a quarterly basis,
beginning with the quarter ending on December 31, 2008. The Board shall require Management to prepare and submit to the Board, a written report detailing the Association’s compliance with the revised Loan Reduction Plan and the status of
all related loan modification activity. The Board’s quarterly review shall be fully detailed in the appropriate Board meeting minutes. A copy of the Board meeting minutes and any supporting documents, reports or other information reviewed by
the Board shall be provided to the Regional Director within thirty (30) days after the date of the quarterly Board meeting. 
 Mortgage Loan
Modification Documentation. 
 6. Within thirty (30) days, the Association shall review and revise all documents and forms being utilized by
Association staff to modify POARMs, including the notes and borrower disclosures, to ensure that they are clear and consistent and enable borrowers whose loans have been or will be modified to understand when their loans will be recast (Revised Loan
Modification Documentation). The Association shall determine whether new disclosures must be provided to existing borrowers. If the Association determines that new disclosures must be provided to existing borrowers, the Association shall provide
such disclosures not later than December 31, 2008. Further, the Revised Loan Modification Documentation, following approval by the Board, shall thereafter be utilized by the Association when modifying POARMs. 
 Loan Analysis and Reporting. 
 7. Effective immediately, the
Board shall ensure that the Association has, maintains and adheres to internal loan analysis and reporting policies and procedures that, at a minimum, (a) address the concerns and recommendations noted by the OTS in its January 31, 2008
Report of Examination (2008 Examination); (b) ensure that the Association appropriately measures the multiple 

  

 3 

 
layered risks in its loan portfolio; (c) ensure that the Association appropriately performs a portfolio migration analysis of its POARM portfolio by
refreshing credit scores and collateral valuations (AVMs or applying home pricing index (HPI) adjustments); (d) ensure that POARM loan reports include a detailed assessment of recast projections; (e) ensure that interest only loans are
reported separately and include payment shock and recast dates, portfolio characteristics and payment analysis; and (f) provide for monthly loan reports regarding (a) through (e) above to the Board (Monthly Loan Reports). The Board
shall review the Monthly Loan Reports at the first regularly scheduled Board meeting following receipt of each Monthly Loan Report and address any identified concerns, deficiencies or weaknesses contained within the Monthly Loan Report. The
Board’s review of each Monthly Loan Report shall be fully detailed in the Board meeting minutes. A copy of the minutes, along with the Monthly Loan Report, will be provided to the Regional Director within thirty (30) days after the date of
each monthly Board meeting. 
 Allowance for Loan and Lease Losses. 
 8. Within thirty (30) days, the Board shall prepare and submit to the Regional Director for review and comment a detailed written plan to ensure that the Association maintains and adheres to ALLL policies,
procedures, timeframes, and calculation inputs and criteria that provide for the timely establishment and maintenance of adequate and appropriate ALLL (ALLL Program). The ALLL Program shall, at a minimum: (a) address the concerns and
recommendations noted in the 2008 Examination; and (b) fully comply with (i) Generally Accepted Accounting Principles (GAAP), (ii) OTS Chief Executive Officer Letter No. 250 (December 13, 2006), (iii) Section 261 of the
OTS Examination Handbook, and (iv) all other applicable regulatory guidance regarding ALLL. The Board shall make any changes to the ALLL Program required by the Regional Director within thirty (30) days after receipt. Thereafter, the Board
shall adopt and ensure that the revised ALLL Program is fully implemented and adhered to by the Association. Any modifications to the ALLL Program shall be submitted to the Regional Director for review and written non-objection at least thirty
(30) days prior to implementation. 
  

 4 

 9. The Board shall review the adequacy of the Association’s ALLL at least once each calendar quarter, beginning with
the quarter ending December 31, 2008. Any deficiency in the ALLL shall be remedied in the quarter in which it is identified, prior to the filing of the Association’s Thrift Financial Report (TFR). The Board’s review, including the
factors considered and the conclusions reached in determining the adequacy of the Association’s ALLL shall be fully documented in the appropriate Board meeting minutes. A copy of the Board meeting minutes, including any reports, documents, or
information reviewed by the Board will be provided to the Regional Director within thirty (30) days after the date of the quarterly Board meeting. 
 Real Estate Owned. 
 10. Within thirty (30) days, the Board shall ensure that for any real estate owned (REO) balances that
include unpaid escrow amounts and corporate advances, the unpaid escrow amounts and corporate advances are expensed in accordance with the requirements of paragraphs 29 and 38 of Financial Accounting Statement (FAS) 15. Within forty-five
(45) days, the Association shall provide the OTS with a written report detailing its compliance with this Paragraph. 
 Business Plan. 

 11. Within forty-five (45) days, the Board shall prepare and submit to the Regional Director for review and comment a comprehensive business plan
covering the last three months of calendar year 2008, all of calendar years 2009 and 2010, and the first three quarters of 2011 (Business Plan). The Business Plan shall include a detailed description of the Association’s plans to improve

  

 5 

 
earnings, preserve and enhance capital and franchise value, and strengthen liquidity. The Business Plan shall include quarterly financial projections and
identify all relevant assumptions. The Board shall make any changes to the Business Plan required by the Regional Director within thirty (30) days after receipt. Thereafter, the Board shall adopt and ensure that the Association complies with
the revised Business Plan. Any modifications to the revised Business Plan shall be submitted to the Regional Director for review and written non-objection at least thirty (30) days prior to implementation. 
 12. The Board shall require management to prepare and provide to the Board quarterly variance reports on the Association’s performance under the revised Business
Plan concurrent with the filing of the regular periodic reports with the Securities and Exchange Commission by BankUnited Financial Corporation, Coral Gables, Florida, OTS Docket No. H-2451, on Form 10-K and Form 10-Q, beginning with the quarter
ending on December 31, 2008. A copy of the quarterly variance reports, any supporting documents, reports or other information reviewed by the Board, and the Board meeting minutes shall be provided to the Regional Director within thirty
(30) days after the date of the Board’s quarterly review. 
 Growth. 
 13. Effective immediately, the Association is subject to and shall comply with the requirements and provisions of OTS Regulatory Bulletin (RB) 3b. Without the prior written approval of the Regional Director, the
Association shall not increase its total assets during any quarter, beginning with the quarter ending December 31, 2008, in excess of an amount equal to net interest credited on deposit liabilities during the quarter. The growth restrictions
imposed by this Paragraph shall remain in effect until the OTS review and approval of the Association’s Business Plan under Paragraph 11 of this Order. Any growth in assets, including any growth proposed in the Business Plan, should consider:

  

	 	a.	the source, volatility and use of the funds that support asset growth; 

  

 6 

	 	b.	any increase in credit risk or interest rate risk as a result of growth; and 

  

	 	c.	the effect of such growth on the Association’s capital. 

 Dividends. 
 14. Effective immediately, the Association shall pay no dividends or make any other capital distributions, as that term
is defined in 12 C.F.R. § 563.141, without receiving the prior written approval of the Regional Director. The Association’s written request for written approval should be submitted to the Regional Director at least forty-five
(45) days prior to the anticipated date of the proposed dividend payment or distribution of capital. 
 Mortgage Insurance. 
 15. Effective immediately, the Board shall require Management to modify and enhance its written reports on unpaid mortgage insurance claims (MI Reports) to include
assessments of the likelihood of collecting claims, curtailment, denial ratios, and overall exposure (i.e.; REO, active foreclosure, short sales, etc.). Management shall prepare and submit the MI Reports to the Board at each monthly Board meeting.
The Board’s review of the MI Reports at each monthly Board meeting will be fully detailed in the Board meeting minutes. 
 Liquidity. 

 16. Within thirty (30) days, Management shall review the Association’s overall liquidity position and prepare a written report to the Board at
the first regular Board meeting following the end of each calendar quarter, beginning with the quarter ending September 30, 2008 (Quarterly Liquidity Report). Management shall develop and implement new strategies and means for improving and

  

 7 

 
strengthening the Association’s overall liquidity position. Management will review and monitor the Association’s credit availability and
outstanding borrowings on a daily basis and implement alternative plans should collateral requirements increase and/or credit availability decrease. The Quarterly Liquidity Report provided to the Board shall include Management’s liquidity
improvement strategies, the results of Management’s credit reviews and alternative credit plans. The Board’s review of the Quarterly Liquidity Report shall be fully detailed in the appropriate Board meeting minutes. A copy of the Board
meeting minutes and the Quarterly Liquidity Report will be provided to the Regional Director within thirty (30) days after the date of the quarterly Board meeting. 
 Brokered Deposits. 
 17. Effective immediately, the Association shall comply with the requirements of 12 C.F.R.
§ 337.6(b)(2) and shall not, without obtaining the prior written approval of the Federal Deposit Insurance Corporation (FDIC) pursuant to 12 C.F.R. § 337.6(c): (a) accept, renew, or roll over any brokered deposit, as that term is
defined at 12 C.F.R. § 337.6(a)(2); or (b) act as a deposit broker, as that term is defined at 12 C.F.R. § 337.6(a)(5). 
 Management
Changes. 
 18. Effective immediately, the Association shall comply with the prior notification requirements for changes in directors and Senior
Executive Officers set forth in 12 C.F.R. Part 563, Subpart H, 12 C.F.R. §§ 563.550 through 563.590. 
 Severance and Indemnification
Payments. 
 19. Effective immediately, the Association shall not make any golden parachute payment2 or prohibited indemnification payment3 unless, with respect to each such payment,
the Association has complied with the requirements of 12 C.F.R. Part 359 and, as to indemnification payments, 12 C.F.R. § 545.121. 
  

	2	The term “golden parachute payment” is defined at 12 C.F.R. § 359.1(f). 

	3	The term “prohibited indemnification payment” is defined at 12 C.F.R. § 359.1(l). 

  

 8 

 Employment Contracts and Compensation Arrangements. 
 20. Effective immediately, the Association shall not enter into, renew, extend, or revise any contractual arrangement relating to compensation or benefits for any Senior
Executive Officer or director of the Association, unless it first provides the OTS with not less than thirty (30) days prior written notice of the proposed transaction. The notice to the OTS shall include a copy of the proposed employment
contract or compensation arrangement or a detailed, written description of the compensation arrangement to be offered to such officer or director, including all benefits and perquisites. The Board shall ensure that any contract, agreement or
arrangement submitted to the OTS fully complies with the requirements of 12 C.F.R. Part 359, 12 C.F.R. §§ 563.39 and 563.161(b), and 12 C.F.R. Part 570 – Appendix A. 
 Board Compliance Committee. 
 21. Within thirty (30) days, the Board shall appoint a committee (Regulatory
Compliance Committee) comprising three or more non-employee directors to monitor and coordinate the Association’s compliance with the provisions of this Order and the completion of all corrective action required in the 2008 Examination.

 22. Within thirty (30) days after the end of each calendar quarter, beginning with the quarter ending December 31, 2008, the Regulatory
Compliance Committee shall submit a written progress report to the Board detailing the actions taken to comply with each provision of this Order, the corrective actions required by the 2008 Examination, and the results of all such actions. The Board
shall review the Regulatory Compliance Committee’s progress report and adopt a resolution (a) certifying that each director has reviewed the progress report; (b) detailing the Association’s compliance with the provisions of this
Order and the corrective actions contained 

  

 9 

 
in the 2008 Examination; (c) identifying each instance of noncompliance; and (d) setting forth in detail additional corrective actions or steps
adopted or required by the Board to address each instance of noncompliance. 
 23. Within forty-five (45) days after the end of each calendar quarter,
the Board shall submit to the Regional Director: (a) a copy of the Regulatory Compliance Committee’s quarterly progress report required by Paragraph 22 of this Order, and (b) a copy of the Board resolution required by Paragraph 22 of
this Order, including the Board meeting minutes. Nothing contained herein shall diminish the responsibility of the entire Board to ensure the Association’s compliance with the provisions of this Order. 
 Effective Date, Incorporation of Stipulation. 
 24. This Order
is effective on the Effective Date as shown on the first page. The Stipulation is made a part hereof and is incorporated herein by this reference. 
 Duration. 
 25. This Order shall remain in effect until terminated, modified or suspended, by written notice of such action by the
OTS, acting by and through its authorized representatives. 
 Time Calculations. 
 26. Calculation of time limitations for compliance with the terms of this Order run from the Effective Date and shall be based on calendar days, unless otherwise noted. 
 27. The Regional Director may extend any of the deadlines set forth in the provisions of this Order upon written request by the Association that includes reasons in
support for any such extension. Any OTS extension shall be made in writing. 
  

 10 

 Submissions and Notices. 
 28. All submissions, including progress reports, to the OTS that are required by or contemplated by this Order shall be submitted within the specified timeframes. 
 29. Except as otherwise provided herein, all submissions, requests, communications, consents or other documents relating to this Order shall be in writing and sent by
first class U.S. mail (or by reputable overnight carrier, electronic facsimile transmission or hand delivery by messenger) addressed as follows: 
  

	 	a.	To the OTS: 

 John E. Ryan, Regional Director 

Office of Thrift Supervision 
 1475
Peachtree St., NE 
 Atlanta, Georgia 30309; and 
  

	 	b.	To the Association: 

 Board of Directors 
 BankUnited, FSB 
 255 Alhambra Circle

 Penthouse 
 Coral Gables, FL
33134-7411. 
 No Violations Authorized. 
 30.
Nothing in this Order or the Stipulation shall be construed as allowing the Association, its Board, officers or employees to violate any law, rule, or regulation. 
 IT IS SO ORDERED. 
  

			
	OFFICE OF THRIFT SUPERVISION
		
	By:	 	 /s/ John E. Ryan

		 	John E. Ryan
		 	Southeast Regional Director
	
	Date: See Effective Date on page 1

  

 11

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00147-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00147-of-00352.parquet"}]]