Document:

Exhibit
4.2

 

EXECUTION
COPY

 

RSA ASSUMPTION AGREEMENT

AND

SECOND AMENDMENT TO RECEIVABLES SALE AGREEMENT

 

THIS RSA ASSUMPTION
AGREEMENT AND SECOND AMENDMENT TO RECEIVABLES SALE AGREEMENT (this “Agreement”),
dated as of February 7, 2005, is by and among GE MONEY BANK (formerly
known as GE Capital Consumer Card Co.), a federal savings bank organized under
the laws of the United States (“GE Money Bank”), as successor in
interest to Monogram Credit Card Bank of Georgia, a limited-purpose credit card
bank organized under the laws of the state of Georgia (“Monogram”), and
RFS HOLDING, L.L.C., a Delaware limited liability company (“RFSHL”).

 

BACKGROUND

 

1.                                       Reference
is made to the Receivables Sale Agreement, dated as of June 27, 2003,
between Monogram, as Seller, and RFSHL, as Buyer, as amended by the
Omnibus Amendment No. 1 to Securitization Documents, dated as of February 9,
2004, by and among RFSHL, Monogram, RFS Funding Trust, the GE Capital Credit
Card Master Note Trust (the “Trust”), Deutsche Bank Trust Company
Delaware, RFS Holding, Inc. and Deutsche Bank Trust Company Americas (the “Assumed
Agreement”).

 

2.                                       On
February 7, 2005, pursuant to a Merger Agreement and Plan of Merger, dated
as November 15, 2004, among Monogram and GE Capital Consumer Card Co., a
federal savings bank organized under the laws of the United States (the “FSB”),
and the transactions contemplated thereby, Monogram was merged with and into
the FSB, with the FSB being the surviving entity.

 

3.                                       On
February 7, 2005, the FSB amended its Charter and By-Laws to change its
name to GE Money Bank, by filing a Notice for Charter and By-Law Amendments
with the Office of Thrift Supervision.

 

4.                                       GE
Money Bank desires to assume the covenants and obligations of Monogram under
the Assumed Agreement and, in connection with such assumption, GE Money Bank
and RFSHL desire to amend the Assumed Agreement as set forth herein.

 

NOW, THEREFORE, in
consideration of the mutual agreements herein contained, and for other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto hereby agree as follows:

 

SECTION 1.  Definitions.  Capitalized terms used in this Agreement and
not otherwise defined herein shall have the meanings assigned thereto in the
Assumed Agreement.

 

SECTION 2.  Amendments to the
Assumed Agreement.  The
Assumed Agreement shall be amended as follows:

 

(a)                                  the first sentence of Section 6.1(ii) shall be amended
by deleting the phrase “and such location and address have not changed within
the past 12 months”;

 

 

(b)                                 clause (B) of the second sentence of Section 6.1(ii)
shall be amended in its entirety to read as follows: “(B) charter number or
organizational identification number as designated by the jurisdiction of its
organization, as applicable”.

 

(c)                                  Schedule 6.1(a)
shall be amended in its entirety to read as set forth on Schedule I to
this Agreement; and

 

(d)                                 Section 7.6
shall be amended by adding the following sentence at the end of Section 7.6:

 

“Nothwithstanding any
other provision of this Section 7.8, Schedule 6.1(a) shall be
automatically amended upon delivery by Seller to Buyer of an updated Schedule 6.1(a).”

 

SECTION 3.
Assumptions.  From and after the date hereof, GE
Money Bank hereby agrees to be bound by all of the terms and conditions of the
Assumed Agreement and unconditionally assumes the performance of every covenant
and obligation of Monogram, as Seller, under the Assumed Agreement.

 

SECTION 4.  Representations and
Warranties.  GE Money Bank
represents and warrants that the execution, delivery and performance by it of
this Agreement has been duly authorized by all necessary corporate action on
its part and that this Agreement constitutes the legal, valid and binding
obligation of such party enforceable against it in accordance with its terms.

 

SECTION 5.  Effect of Agreement.  (a)  From
and after the date hereof, (i) this Agreement shall be a part of the Assumed
Agreement amended hereby, and (ii) each reference in such amended Assumed
Agreement to “this Agreement” or “hereof”, “hereunder” or words of like import,
and each reference in the Assumed Agreement to such Assumed Agreement shall
mean and be a reference to such amended Assumed Agreement.

 

(b)  Except as
provided herein, all references in the Assumed Agreement to “Monogram Credit
Card Bank of Georgia”, “Monogram” and “Seller” shall be deemed to be references
to “GE Money Bank”.

 

SECTION 6.  Further Assurances.   GE Money Bank hereby agrees that it shall
execute, deliver and file all such documents, agreements and instruments the
parties to and third party beneficiaries expressly identified in the Assumed
Agreement may reasonably request in order to evidence the assumptions hereunder
or more effectively carry out the intent of this Agreement.

 

SECTION 7.  No Proceedings.  From and after the date first written above
and until the date one year plus one day following the date on which all
amounts due with respect to securities rated by a Rating Agency that were
issued by any entity holding Transferred Assets or an interest therein have been
paid in full in cash, GE Money Bank shall not, directly or indirectly,
institute or cause to be instituted against RFSHL any bankruptcy,
reorganization, arrangement, insolvency or liquidation proceeding or other
proceeding under any federal or state bankruptcy or similar law; provided that the foregoing shall not in any
way limit GE Money Bank’s right to pursue any other creditor rights or remedies
that GE Money Bank may have under any applicable law.

 

 

SECTION 8.  Miscellaneous.  THIS AGREEMENT SHALL BE GOVERNED AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK (WITHOUT
REFERENCE TO THE CONFLICTS OF LAW PRINCIPLES THEREOF OTHER THAN SECTION 5-1401
OF THE NEW YORK GENERAL OBLIGATIONS LAW). 
This Agreement contains the final and complete integration of all prior
expressions by GE Money Bank with respect to the subject matter hereof and
shall constitute the entire Agreement of GE Money Bank with respect to the
subject matter hereof superseding all prior oral or written understandings. If any
one or more of the covenants, agreements, provisions or terms of this Agreement
shall for any reason whatsoever be held invalid or unenforceable, then such
covenants, agreements, provisions or terms shall be deemed severable from the
remaining covenants, agreements, provisions and terms of this Agreement and
shall in no way affect the validity or enforceability of the provisions of this
Agreement.  This Agreement may not be
amended, supplemented or waived except pursuant to a writing signed by the
party to be charged.  This Agreement may
be executed in counterparts, and by the different parties on different
counterparts, each of which shall constitute an original, but all together
shall constitute one and the same agreement.

 

[Signature pages follow]

 

 

IN WITNESS WHEREOF, the parties hereto have
caused this Agreement to be duly executed and delivered as of the date first
above written.

 

 

	
   

  	
  GE MONEY BANK

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ DONALD R. RAMON

  	
   

  
	
   

  	
  Name: Donald R. Ramon

  
	
   

  	
  Title: President and CEO

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  RFS HOLDING, L.L.C.

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ MELISSA HODES

  	
   

  
	
   

  	
  Name: Melissa Hodes

  
	
   

  	
  Title: Vice President and Manager

  

 

 

SCHEDULE I

 

SELLER’S UCC INFORMATION

 

Legal Name: GE Money Bank

 

Jurisdiction of Organization: Utah

 

Address of Chief Executive Office: 4246 S. Riverboat Road, Suite 200,
Salt Lake City, Utah 84123-2551

 

Federal Employer Identification Number: 
06-1236737

 

Charter Number: 15044Exhibit
10.1

 

REAL ESTATE PURCHASE AGREEMENT

 

                THIS AGREEMENT, made and entered into this
21st day of December, 2004, by and between MVB
Properties, Inc., a South Dakota corporation (the “Buyer”) and HF Financial Corp., a Delaware corporation
(the “Seller”);

 

                1.             Sale and Purchase.

 

                                1.1           Subject to and on the terms and
conditions described below, Seller hereby agrees to sell to Buyer and Buyer
hereby agrees to purchase from Seller the following described real property in
Minnehaha County, South Dakota (the “Property”):

 

The West Half of the
Northeast Quarter (W1/2NE1/4), except County Auditor’s Lot H-1 contained
therein and except Iverson’s Tracts 8, 9, 10, 11, 12 and 13 contained therein,
of Section 30, Township 101 North, Range 48 West of the 5th P.M., Minnehaha
County, South Dakota, subject to Section-Line Highways by Operation of Law,
SDCL 31-18-1; and,

 

The Northwest Quarter
(NW1/4), except Lot H-1 contained therein, except County Auditor’s Lot H-4
contained therein, except County Auditor’s Lot H-2 contained therein, except
Iverson’s Tract 1 contained therein, except Iverson’s Tract 2 contained
therein, except Iverson’s Tract 6 contained therein, except Iverson’s Tract 7
contained therein, except Iverson’s Tract 3 contained therein, except Iverson’s
Tract 4A contained therein, except Iverson’s Tract 6A contained therein, except
Tract 1 of Evangelical Covenant Church Addition contained therein, and except
Iverson’s Tract 2A contained therein, of Section 30, Township 101 North, Range
48 West of the 5th P.M., Minnehaha County, South Dakota, subject to
Section-Line Highways by Operation of Law, SDCL 31-18-1; and,

 

Iverson’s Tract No. 13 in
the North Half of the Northeast Quarter (N1/2NE1/4) of Section 30, Township 101
North, Range 48 West of the 5th P.M., Minnehaha County, South
Dakota, according to the recorded plat thereof.

 

together with all existing and future
tangible and intangible property owned, acquired, installed, held, executed or
claimed on or with respect to such real property, including without limitation,
structures, fixtures, improvements, approaches, driveways, sewer and water
lines, wells, septic systems, tiling systems, pumps and lift stations, wells,
fences, trees and other landscaping, rights-of-way, air space, railroad spurs
and tracks, easements,

 

1

 

means of access, reversionary rights,
privileges, tenements, hereditaments, appurtenances, water, riparian, oil, gas
and mineral rights, permits, approvals, consents, clearances, licenses, claims
and causes of action for damage to, loss or diminution of value or taking of
any of the foregoing, allotments and rights under government programs accruing
as of or after the date of closing.

 

                                1.2           If a survey reveals inaccuracies in
size, dimensions or location relative to landmarks or adjoining properties or
other deficiencies in description, the description of the Property shall be
revised accordingly.

 

                                1.3           The
closing date shall be December 15, 2005. 
Time is of the essence of this Agreement.

 

                2.             Purchase Price.

 

                                2.1           The purchase price shall be $23,000
per acre (including any dedicated rights-of-way) payable as follows:

 

                                                (a)           $100,000.00 in earnest money payable
upon full execution of this Agreement, to be escrowed in an interest bearing
account with Midwest Title Company (the “Title Company”); and

 

                                                (b)           The remaining balance payable on the
date of and at closing.

 

                                2.2           Unless
corrected by survey, the Property shall be deemed to be 211.44 acres in size.

 

                                2.3           In the event this purchase is not
closed due to a failure of Seller to perform its obligations hereunder or the
failure of any condition precedent described below, Buyer shall be entitled to
a refund of all earnest money paid hereunder and the interest accrued thereon.  In the event this purchase is closed, or in
the event this purchase is not closed due to a failure of Buyer to perform its
obligations hereunder, Seller shall be entitled to receipt of the earnest money
paid hereunder and the interest accrued thereon.

 

                3.             Title.

 

                                3.1           Prior to closing, Seller shall
deliver to Buyer a commitment for title insurance issued by the Title Company
in the total amount of the purchase price showing Seller as the holder of good
and merchantable title to the Property, free and clear of all conditions,
restrictions, liens, charges, encumbrances and tenancy and other rights of
possession or use whatsoever, except: 
(i) any easements and restrictions of record not interfering with Buyer’s
expected use of the Property; (ii) real estate taxes not yet due and

 

2

 

payable; 
(iii) any encumbrances to be satisfied at closing coincident with
payment of the purchase price; (iv) the life estate of Norman and Mary LaVonne
Iverson (the “Iversons”) as described in the Contract for Deed dated October
28, 1998 between the Iversons and Seller and recorded in the office of the
Minnehaha County Register of Deeds on November 2, 1998 in Book 233 of
Miscellaneous on page 945; and (v) the rights of the farm tenant for the then-current
crop year.

 

                                3.2           Buyer shall have 15 days following
receipt of the title commitment to examine it and to approve of the status of
title or waive any defects.  If Buyer
gives written notice of objections to the condition of title which would prohibit
Buyer’s expected use of the Property, Seller shall make a reasonable effort to
remove the exceptions to which Buyer has objected.  Seller shall then deliver to Buyer written
notice that either (i) Seller was able to remove the exceptions to which Buyer
has objected on or before the closing date, or (ii) Seller is unable to remove
any such exception.  If Seller is unable
to remove any such exception to title, Buyer may either (i) purchase the
Property notwithstanding such exceptions, or (ii) terminate this Agreement and
recover the earnest money held by Title Company.

 

                4.             Seller’s Condition to Closing.  Seller’s obligation to close this transaction
shall be subject to this transaction qualifying as a sale under generally
accepted accounting principles at the time of closing.

 

                5.             Buyer’s Conditions to Closing.  Buyer’s obligation to close this transaction
and to pay the purchase price shall, at Buyer’s sole discretion, be subject to
satisfactory completion of each of the following conditions:

 

                                5.1           Title
shall have been found acceptable to Buyer or have been made acceptable in
accordance with the requirements of Section 3 hereof.

 

                                5.2           Seller
shall allow Buyer and Buyer’s agents access to the Property without charge and
at all reasonable times for the purpose of inspection, survey, study,
investigation and testing.

 

                                5.3           If
a further plat of the Property is required to record the warranty deed, then
Seller shall cooperate in obtaining such plat at Buyer’s expense.  Buyer may also obtain a further survey, plat
or other review, estimate or inspection of the Property by surveyor, contractor
and/or other agent selected by Buyer at its expense for size, boundaries,
encroachments, acceptable ecological, geographic, compaction, topography,
drainage, utility availability and location, for Buyer’s expected use, and any
matters customarily covered by a survey, the results of which are satisfactory
to Buyer.

 

3

 

                                5.4           At
Buyer’s expense, Buyer may also obtain a Phase I environmental site assessment,
the results of which are satisfactory to Buyer; however, Buyer shall not obtain
a Phase II environmental site assessment without Seller’s prior written
consent.

 

                                5.5           Buyer
shall receive acceptable verification that existing zoning restrictions permit
the Buyer’s expected use, or grant by appropriate authorities of a permit or
zoning change sufficient for such use.

 

                                5.6           No
portion of the Property shall constitute a burial site or archaeologically
significant site protected, or use of which is restricted, by any federal,
state or local law or regulation.

 

                                5.7           All
soils and subsurface conditions on the Property shall be suitable for
residential, office, commercial,  and
retail development and to support structures for those purposes without
extraordinary construction measures, to be determined before closing by
reasonable methods, investigation or testing at Buyer’s expense.

 

                                5.8           The
Property shall be and remain free of contaminants, pollutants and other hazardous
substances that would require testing, monitoring, removal or clean-up.  The Property shall otherwise be preserved
substantially in its present condition until possession is finally delivered to
Buyer, it being agreed that all risk of loss or damage shall remain with the
Seller until possession of the Property is delivered to Buyer.

 

                6.             Buyer’s Diligence.  Buyer shall undertake and complete with
reasonable diligence all investigations, surveys, studies, tests and other
procedures contemplated by Sections 5.2-5.7, and shall give notice before
October 1, 2005, of any adverse discovery, occurrence or condition.  Seller shall have 45 days following receipt
of notice to correct any adverse discovery, occurrence or condition determined
by Buyer to exist.  If Seller is unable
(following attempts or otherwise) or unwilling to correct the adverse
discovery, occurrence or condition within the 45 day period, Buyer may either
(i) purchase the Property notwithstanding the adverse discovery, occurrence or
condition, or (ii) terminate this Agreement and recover the earnest money held
by Title Company.  If during the
investigation, survey, study, and testing of the Property, Buyer causes any
damage to the Property or any crops growing thereon, Buyer shall pay to Seller,
or to Seller’s tenant for crop damage, the amount of such damages as are caused
by said activities.  Buyer shall defend,
indemnify and hold harmless Seller from any and all damages, liabilities,
claims and causes of action that any person may have arising out of or in
connection with the completion of Buyer’s investigations, surveys, studies,
tests and other procedures contemplated by Sections 5.2-5.7.

 

4

 

                7.             Closing Procedures.

 

                                7.1           Closing
shall take place at the offices of the Title Company.

 

                                7.2           At
closing, the escrowed downpayment shall be released to Seller, and Buyer shall
tender the remaining balance in collected funds.

 

                                7.3           At
closing, Seller shall execute and deliver a special warranty deed or special
warranty deeds sufficient to convey good and marketable title as above
described, subject to the exceptions set forth in Section 3.1(i), (ii), (iv)
and (v).  Seller shall provide any other
affidavit or other document or instrument and take all other procedures
required by the Title Company to assure marketable title to Buyer.

 

                                7.4           Upon
closing, possession of the Property shall be transferred to Buyer.

 

                                7.5           Upon
completion of closing, all conditions to closing shall be deemed performed,
accomplished or waived.

 

                8.             Payments and Prorations at Closing.

 

                                8.1           Real estate taxes assessed in 2004
and payable in 2005 shall be paid in their entirety by Seller.  Real estate taxes assessed in 2005 and
payable in 2006 shall be prorated to the date of closing and the purchase price
shall be adjusted accordingly.

 

                                8.2           Assessments levied against the
Property or which will be levied against the Property for improvements
completed prior to closing, regardless of whether they now are entered on the
books of the assessing authority, shall be paid by Seller at closing.  All other assessments shall be the sole
responsibility of the Buyer.

 

                                8.3           All other charges attributable to
usage or occupation of the Property prior to the date of closing shall be paid
by the Seller at closing.

 

                                8.4           The cost of title insurance and any
closing fee of the Title Company shall be borne equally by Buyer and Seller.

 

                                8.5           The cost of the survey and other work
conducted pursuant to Section  5.3 hereof shall be borne by Buyer.

 

5

 

                                8.6           Any transfer fee assessed as a
condition for recording the special warranty deed(s) shall be paid by the
Seller at closing.

 

                                8.7           Each party shall bear its own legal
expenses.

 

                                8.8           All
income from the Property with respect to the 2005 crop year shall be and remain
the sole property of Seller.

 

                9.             Brokerage.  The parties acknowledge that Myron Van
Buskirk is an inactive licensee real estate broker and Mike Van Buskirk is an
active licensee under SDCL Chapter 36-21A, but no party has employed or
performed the services of any agent or broker such as to require the payment of
any commission.

 

                10.           Farm Lease.  Buyer and Seller shall cooperate with one
another in leasing the Property to a tenant for the 2005 crop year.  If Buyer and Seller do not agree on tenant
and/or the terms of a lease prior to January 15, 2005, Seller shall have the
right to enter into a lease on terms and conditions and with a tenant
acceptable to Seller, in Seller’s sole discretion.

 

                11.           Right of First Refusal.  Seller currently possesses a right of first
refusal with respect to the following described real property:

 

The
Southeast Quarter (SE1⁄4) of Section 30, Township 101 North, Range 48 West of the
5th P.M., Minnehaha County, South Dakota, except the South 501.84 feet of the
West 404 feet of the East 868 feet thereof, and except Molter Tract 1 thereof,
and except Tract 1, Iverson Estates, an Addition in the SE1⁄4 thereof, and except
Tract 1 of Katie Addition in the SE1⁄4 thereof

 

pursuant
to a Right of First Refusal Agreement dated October 28, 1998 between Seller and
the Iversons.  The Right of First Refusal
Agreement was recorded in the office of the Minnehaha County Register of Deeds
on November 2, 1998 in Book 233 of Miscellaneous on page 944. The Right of
First Refusal Agreement expires in effect upon the later of closing of this
Agreement or death of both Iversons. Following execution of this Agreement,
Seller agrees to request permission from the Iversons to extend the term of the
Right of First Refusal for a period of nine years, and to assign the Right of
First Refusal Agreement to Buyer upon the closing of this transaction.  Any compensation requested by the Iversons in
consideration for the right to assign the 
Right of First Refusal Agreement shall be negotiated by Buyer and borne
by Buyer.

 

6

 

                12.           Public Disclosure.  Buyer acknowledges that Seller must
publically disclose the terms and conditions of this Agreement through a Form
8-K filing or other filing with the United States Securities and Exchange
Commission (SEC).  A copy of this
Agreement may be filed with the SEC and made available to the public,
accordingly.

 

                13.           Liquidated Damages.  In the event Buyer does not close on the
purchase of the Property on or before December 15, 2005, for any reason other
than the default of Seller, failure of title under Section 3.2, or failure of
due diligence conditions under Section 6, 
Buyer agrees that the Title Company shall be entitled to transfer the
earnest money and any interest earned thereon, to Seller as liquidated damages.

 

                The
parties stipulate and agree that Buyer is experienced and knowledgeable about
real estate and real estate law, and further, Buyer has consulted with an
attorney regarding the terms and provisions hereof.  The parties both acknowledge that:

 

a.             At
the time this Agreement was made, the damages in the event of breach by Buyer
were difficult to accurately estimate;

 

b.             There
was a reasonable endeavor by both Buyer and Seller to fix the damages in the
event of a breach by Buyer;

 

c.             The
amount of earnest money referenced in Section 2.1 bears a reasonable relation
to probable damages to Seller in the event of a breach by Buyer hereunder and
is not disproportionate to any damages reasonably to be anticipated as of the
date hereof.

 

d.             After
taking into account the provisions of this Agreement and all relevant
circumstances at the date of this Agreement, both parties agree that the
liquidated damages payable under this Agreement represent a reasonable, genuine
estimate of the damages which could be suffered by Seller in the event of the
Buyer’s breach of this Agreement and do not constitute a penalty.  Nothing in this Section will limit Seller’s
right to seek injunctive relief, to the extent available, with respect to any
breach of this Agreement by Buyer.  The
parties further acknowledge that they have discussed and negotiated this
liquidated damages provision and after such negotiations have agreed upon the
liquidated damage amount.

 

                14.           Condition of Property. 
Buyer acknowledges that Buyer is purchasing the Property in its “as is”
condition.  Buyer further acknowledges
that Seller has made no warranties or representations of any kind with respect
to the title or condition of the

 

7

 

Property, except for those warranties and
representations set forth in the Seller’s Property Condition Disclosure
Statement and the Disclosure and Acknowledgment of Lead-Based Paint Before
Sale, copies of which will be delivered by Seller to Buyer prior to or
contemporaneous with the execution of this Agreement.

 

                15.           Notices.  Any notice or communication under this
Agreement shall be in writing and delivered (by hand, telecopy, telegraph,
telex or courier) or deposited in the United States mail (first class,
registered or certified), postage fully prepaid and addressed as stated
below.  Either party may, from time to
time, specify as its address for purposes of this Agreement any other address
upon the giving of ten days notice thereof to the other party in the manner
required by this paragraph.  This
paragraph shall not prevent the giving of written notice in any other manner,
but such notice shall be deemed effective only when and as of its actual
receipt at the proper address and by the proper addressee.

 

[Signature
Page Follows}

 

8

 

                IN
WITNESS WHEREOF, the parties hereto have executed this Agreement on the day and
year first above-written.

 

 

	
   

  	
   

  	
  MVB PROPERTIES, INC.,

  a South Dakota corporation

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By

  	
  /s/ Myron Van Buskirk

  	
   

  
	
   

  	
   

  	
  Its: President

  	
   

  
	
   

  	
   

  	
  Address for Notices:

  	
   

  
	
   

  	
   

  	
  5101 South Nevada Avenue,
  Suite 100

  	
   

  
	
   

  	
   

  	
  Post Office Box 89634

  	
   

  
	
   

  	
   

  	
  Sioux Falls, SD 57109-1009

  	
   

  
	
   

  	
   

  	
  Attention: Steve Van
  Buskirk

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  HF FINANCIAL CORP.,

  	
   

  
	
   

  	
   

  	
  a Delaware corporation

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By

  	
  /s/ Darrel L. Posegate

  	
   

  
	
   

  	
   

  	
  Its: EVP/CFO

  	
   

  
	
   

  	
   

  	
  Address for Notices:

  	
   

  
	
   

  	
   

  	
  225 South Main Avenue

  	
   

  
	
   

  	
   

  	
  Post Office Box 5000

  	
   

  
	
   

  	
   

  	
  Sioux Falls, SD 57117-5000

  	
   

  
	
   

  	
   

  	
  Attention: Curtis L. Hage

  	
   

  

 

9

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