Document:

ex4-7.htm

Exhibit 4.7

 

 

NEITHER THIS NOTE NOR THE SECURITIES INTO WHICH THIS NOTE IS PROMISSORY HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE.  THESE SECURITIES HAVE BEEN SOLD IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT OR PURSUANT TO AN AVAILABLE EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH APPLICABLE STATE SECURITIES LAWS.

 

Innovus Pharmaceuticals, Inc.

 

Promissory Note

 

	
Issuance Date:  May 6, 2016

	
Original Principal Amount:                                                      $50,000

	
Note No. INNV-2

	
Consideration Paid at Close:   $50,000

	  	  

FOR VALUE RECEIVED, Innovus Pharmaceuticals, Inc., a Nevada corporation (the "Company"), hereby promises to pay to the order of Vista Capital Investments, LLC or registered assigns (the "Holder") the amount set out above as the Original Principal Amount (as reduced pursuant to the terms hereof pursuant to redemption, conversion or otherwise, the "Principal") when due, whether upon the Maturity Date (as defined below), acceleration, redemption or otherwise (in each case in accordance with the terms hereof) and to pay interest ("Interest") on any outstanding Principal at the applicable Interest Rate from the date set out above as the Issuance Date (the "Issuance Date") until the same becomes due and payable, upon the Maturity Date or acceleration, conversion, redemption or otherwise (in each case in accordance with the terms hereof).

 

The Original Principal Amount is $50,000 (fifty thousand) plus accrued and unpaid interest and any other fees.  The Consideration is $50,000 (fifty thousand) payable by wire transfer.  The Holder shall pay $50,000 of Consideration upon closing of this Note. For purposes hereof, the term “Outstanding Balance” means the Original Principal Amount, as reduced or increased, as the case may be, pursuant to the terms hereof, breach hereof or otherwise, plus any accrued but unpaid interest, collection and enforcements costs, and any other fees or charges incurred under this Note.

 

(1) GENERAL TERMS

 

(a) Payment of Principal.  The "Maturity Date" shall be November 6, 2016, and may be extended at the option of the Holder in the event that, and for so long as, an Event of Default (as defined below) shall not have occurred and be continuing on the Maturity Date (as may be extended pursuant to this Section 1) or any event shall not have occurred and be continuing on the Maturity Date (as may be extended pursuant to this Section 1) that with the passage of time and the failure to cure would result in an Event of Default.

 

(b) Interest.  An interest charge of three percent (3%) per annum (“Interest Rate”) shall accrue. Interest hereunder shall be paid on the Maturity Date  to the Holder or its assignee in whose name this Note is registered on the records of the Company regarding registration and transfers of Notes.

 

(c) Security.  This Note shall not be secured by any collateral or any assets pledged to the Holder

 

(d) Pre-Payment. The Company will be allowed to pre-pay the note to the Holder in whole or in part at any time without any a pre-payment penalty.

 

(2) EVENTS OF DEFAULT.

 

(a) An “Event of Default”, wherever used herein, means any one of the following events (whatever the reason and whether it shall be voluntary or involuntary or effected by operation of law or pursuant to any judgment, decree or order of any court, or any order, rule or regulation of any administrative or governmental body):

 

(i) The Company's failure to pay to the Holder any amount of Principal, Interest, or other amounts when and as due under this Note (including, without limitation, the Company's failure to pay any redemption payments or amounts hereunder) or any other Transaction Document;

 

(ii) [BLANK]

 

(iii) The Company or any subsidiary of the Company shall commence, or there shall be commenced against the Company or any subsidiary of the Company under any applicable bankruptcy or insolvency laws as now or hereafter in effect or any successor thereto, or the Company or any subsidiary of the Company commences any other proceeding under any reorganization, arrangement, adjustment of debt, relief of debtors, dissolution, insolvency or liquidation or similar law of any jurisdiction whether now or hereafter in effect relating to the Company or any subsidiary of the Company or there is commenced against the Company or any subsidiary of the Company any such bankruptcy, insolvency or other proceeding which remains undismissed for a period of 61 days; or the Company or any subsidiary of the Company is adjudicated insolvent or bankrupt; or any order of relief or other order approving any such case or proceeding is entered; or the Company or any subsidiary of the Company suffers any appointment of any custodian, private or court appointed receiver or the like for it or any substantial part of its property which continues undischarged or unstayed for a period of sixty one (61) days; or the Company or any subsidiary of the Company makes a general assignment for the benefit of creditors; or the Company or any subsidiary of the Company shall fail to pay, or shall state that it is unable to pay, or shall be unable to pay, its debts generally as they become due; or the Company or any subsidiary of the Company shall call a meeting of its creditors with a view to arranging a composition, adjustment or restructuring of its debts; or the Company or any subsidiary of the Company shall by any act or failure to act expressly indicate its consent to, approval of or acquiescence in any of the foregoing; or any corporate or other action is taken by the Company or any subsidiary of the Company for the purpose of effecting any of the foregoing;

 

  

  

  

 

(iv) The Company or any subsidiary of the Company shall default in any of its obligations under any other Note or any mortgage, credit agreement or other facility, indenture agreement, factoring agreement or other instrument under which there may be issued, or by which there may be secured or evidenced any indebtedness for borrowed money or money due under any long term leasing or factoring arrangement of the Company or any subsidiary of the Company in an amount exceeding $100,000, whether such indebtedness now exists or shall hereafter be created; and

 

(v) The Common Stock is suspended or delisted for trading on the Over the Counter Bulletin Board market (the “Primary Market”).

 

(vi) The Company’s Common Stock trades at or below a price of $0.01 as reported by the OTC Markets website.

 

(vii) The Company loses its status as “DTC Eligible.”

 

(viii) The Company shall become late or delinquent in its filing requirements as a fully-reporting issuer registered with the Securities & Exchange Commission.

 

(b) Upon the occurrence of any Event of Default, the Outstanding Balance shall immediately increase to 120% of the Outstanding Balance immediately prior to the occurrence of the Event of Default (the “Default Effect”). The Default Effect shall automatically apply upon the occurrence of an Event of Default without the need for any party to give any notice or take any other action.

 

(3) [BLANK]

 

(4) TERMS OF FUTURE FINANCINGS.  So long as this Note is outstanding, upon any issuance by the Company of any new convertible note (or amendment to any existing security which allows that security to become convertible) with any term more favorable to the holder of such security, then the Company shall notify the Holder of such additional or more favorable term and such term, at Holder’s option, shall become part of the Note. For clarity, if the Company issues any security with a conversion feature (or amends any existing security to include a conversion feature) then this Note shall also become convertible into common shares at the same rate or price as the newly issued (or amended) security.  For clarity, Holder will only be eligible for the new conversion feature of such note or amendments to any notes, but will not be eligible to receive any additional securities to be provided therewith.

 

(5) SECTION 3(A)(9) OR 3(A)(10) TRANSACTION.  So long as this Note is outstanding, the Company shall not enter into any transaction or arrangement structured in accordance with, based upon, or related or pursuant to, in whole or in part, either Section 3(a)(9) of the Securities Act (a “3(a)(9) Transaction”) or Section 3(a)(10) of the Securities Act (a “3(a)(10) Transaction”). In the event that the Company does enter into, or makes any issuance of Common Stock related to a 3(a)(9) Transaction or a 3(a)(10) Transaction while this note is outstanding, a liquidated damages charge of 15% of the outstanding principal balance of this Note, but not less than $25,000, will be assessed and will become immediately due and payable to the Holder at its election in the form of cash payment or addition to the balance of this Note.

 

(6)  [BLANK]

 

(7) REISSUANCE OF THIS NOTE.

 

(a) Assignability. The Company may not assign this Note.  This Note will be binding upon the Company and its successors and will inure to the benefit of the Holder and its successors and assigns and may be assigned by the Holder to anyone of its choosing without Company’s approval.

 

(b) Lost, Stolen or Mutilated Note.  Upon receipt by the Company of evidence reasonably satisfactory to the Company of the loss, theft, destruction or mutilation of this Note, and, in the case of loss, theft or destruction, of any indemnification undertaking by the Holder to the Company in customary form and, in the case of mutilation, upon surrender and cancellation of this Note, the Company shall execute and deliver to the Holder a new Note representing the outstanding Principal.

 

(8) NOTICES.                      Any notices, consents, waivers or other communications required or permitted to be given under the terms hereof must be in writing and will be deemed to have been delivered:  (i) upon receipt, when delivered personally; (ii) upon receipt, when sent by facsimile (provided confirmation of transmission is mechanically or electronically generated and kept on file by the sending party) (iii) upon receipt, when sent by email; or (iv) one (1) Business Day after deposit with a nationally recognized overnight delivery service, in each case properly addressed to the party to receive the same.  The addresses and facsimile numbers for such communications shall be those set forth in the communications and documents that each party has provided the other immediately preceding the issuance of this Note or at such other address and/or facsimile number and/or to the attention of such other person as the recipient party has specified by written notice given to each other party three (3) Business Days prior to the effectiveness of such change.  Written confirmation of receipt (i) given by the recipient of such notice, consent, waiver or other communication, (ii) mechanically or electronically generated by the sender's facsimile machine containing the time, date, recipient facsimile number and an image of the first page of such transmission or (iii) provided by a nationally recognized overnight delivery service, shall be rebuttable evidence of personal service, receipt by facsimile or receipt from a nationally recognized overnight delivery service in accordance with clause (i), (ii) or (iii) above, respectively.

 

  

  

  

 

The addresses for such communications shall be:

If to the Company, to:

Innovus Pharmaceuticals, Inc.

9171 Towne Centre Drive

Suite 440

San Diego, CA 92122

Attn:  Dr. Bassam Damaj, CEO

Email:  bdamaj@innovuspharma.com

If to the Holder:

VISTA CAPITAL INVESTMENTS, LLC

406 9th Ave, Suite 201

San Diego CA 92101

Attn: David Clark

Email: dclark@vci.us.com

 

(9) APPLICABLE LAW AND VENUE. This Note shall be governed by and construed in accordance with the laws of the State of California, without giving effect to conflicts of laws thereof.  Any action brought by either party against the other concerning the transactions contemplated by this Agreement shall be brought only in the state courts of California or in the federal courts located in the city and county of San Diego, in the State of California. Both parties and the individuals signing this Agreement agree to submit to the jurisdiction of such courts.

 

(a) WAIVER.  Any waiver by the Holder of a breach of any provision of this Note shall not operate as or be construed to be a waiver of any other breach of such provision or of any breach of any other provision of this Note. The failure of the Holder to insist upon strict adherence to any term of this Note on one or more occasions shall not be considered a waiver or deprive that party of the right thereafter to insist upon strict adherence to that term or any other term of this Note. Any waiver must be in writing.

 

  

  

  

 

IN WITNESS WHEREOF, the Company has caused this Promissory Note to be duly executed by a duly authorized officer as of the date set forth above.

 

	  	
COMPANY:

 

 

	  
	  	
Innovus Pharmaceuticals, Inc.

	  
	  	  	  
	  	
 

By:            /s/ Bassam Damaj    

	  
	  	
 

Name:       Bassam Damaj, Ph D

	  
	  	
 

Title:         Chief Executive Officer

	  
	 	 	 
	 	 	 
	 	 	 
	 	HOLDER:	 
	 	 	 
	 	VISTA CAPITAL INVESTMENTS, LLC.	 
	 	 	 
	 	
By:            /s/ David Clark 

 

	 
	 	
Name:       David Clark

 

	 
	 	Title:         Principal	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 
	 	 	 

 

[Signature Page to Promissory Note No. INNV-2]Exhibit 10.1

 

TERM LOAN NOTE

 

August 11, 2016

 

1.           Promise
to Pay. For value received, _________, a Nevada corporation having its headquarters at ______ (the “Borrower”),
promises to pay to Integrated Surgical Systems, Inc. (the “Holder”), with an office at 2425 Cedar
Springs Rd, Dallas, TX 75201 (the “Payment Office”), in lawful money of the United States of America, the Loan
Amount (herein defined), along with interest thereon at a rate per annum as set forth below and such other unpaid obligations owing
from time to time hereunder (together the principal, interest and other obligations are referred to as the “Obligations”).

 

2.           (a)           Certain
Defined Terms. The following terms as used in this promissory note (this “Note”) shall have the respective
meanings set forth opposite such terms below, such meanings to be applicable equally to both the singular and plural forms of such
terms:

 

“Applicable
Rate” means a rate per annum equal to 8%.

 

“Borrower’
Business” means, a curated social media website business.

 

“Business Day”
means any day other than a Saturday, Sunday or other day on which commercial banks in New York City are authorized or required
to close.

 

“Fundamental
Change” shall mean any of the following: (i) termination of the Borrower’s Business, or (ii) either _______. ceases
to actively be involved in the day to day activity of the Borrower’s Business.

 

“Loan Amount”
means the principal sum of One Hundred Fifty Thousand United States Dollars ($150,000.00) advanced upon execution of this Note,
and an additional Three Hundred Fifty Thousand United States Dollars ($350,000.00) that shall be advanced by Holder only after
____ provides the mortgages in favor of the Holder as indicated in Section 6, plus the reasonable expenses of the Holder
in creating this facility and obtaining the security interest of the mortgages, which will be added to the principle sum from time
to time, as reflected on Schedule 1, and notified to the Borrower by the Holder.

 

“Maturity Date”
means the earlier of (i) February 13, 2017 (or such earlier date on which this Note and the indebtedness evidenced hereby shall
become due and payable in accordance with its terms), and (ii) the occurrence of a Fundamental Change.

 

“Person”
means an individual, partnership, corporation, limited liability company, business trust, joint stock company, trust, unincorporated
association, joint venture, governmental authority or other entity of whatever nature.

 

     

     

    

 

(b)           Other Defined
Terms. Other terms defined are in the other parts of this Note indicated below:

 

	“Borrower”	Section 1
	“Event of Default”	Section 8
	“Holder”	Section 1
	“Loan Amount”	Section 1
	“Mortgage Documents”	Section 6
	“Note”	Section 2(a)
	“Obligations” 	Section 1
	“Payment Office”	Section 1

 

3.           Maturity
Date. This Note shall mature on the Maturity Date.

 

4.           Scheduled
Payments of Principal, Interest and Default Interest.

 

(a)           Borrower agrees
to repay the outstanding principal amount evidenced by this Note on the Maturity Date.

 

(b)           The unpaid principal
amount of this Note shall accrue interest, as of the date hereof, at the Applicable Rate, shall be payable on the Maturity Date,
and shall be paid in cash.

 

(c)           Interest shall
be calculated on the basis of a 360-day year based on the actual number of days during the period for which such interest is payable.
If any payment on this Note becomes due and payable on a day that is not a Business Day, the due date thereof shall be extended
to the next succeeding Business Day. Payments of principal and interest on this Note shall be made to Holder at the Payment Office.
Upon repayment in full of the loans, interest and other Obligations evidenced by this Note, the Borrower may require Holder to
surrender this Note.

 

(d)           Each payment made
hereunder will be applied, first, to the payment of any indemnified costs payable under Section 10(d) of this Note, then
to the payment of accrued and unpaid interest, and the balance, if any, to the unpaid principal balance of this Note and any other
Obligations evidenced hereby.

 

(e)           To the extent
permitted by law, upon the occurrence and during the continuance of an Event of Default, the principal amount of this Note shall
bear interest from the date such Event of Default occurred until cured or waived, at the rate per annum equal to the Applicable
Rate plus 5% per annum. Any interest accruing pursuant to this paragraph (e) shall be payable on demand.

 

5.           Prepayments.
This Note may be prepaid in whole or in part, at any time or from time to time, without any penalty or premium, provided,
that such prepayment shall be accompanied by accrued and unpaid interest on that portion of the Note being prepaid to the date
of prepayment. Upon prepayment of part of the principal amount of this Note, the Borrower may require Holder to present this Note
for notation on Schedule 2 hereto of such adjustment and payment.

 

6.           Collateral.
The Obligations of Borrower under this Note shall be secured by a personal guarantee of _________, the President and the largest
shareholder of the Borrower. The extension of the additional Loan Amount of $350,000 is subject to the provision of additional
security of the Obligations through mortgages pursuant to mortgage documentation, reasonably acceptable to Holder, on the two condominiums
owned by ____, located in Whistler, British Columbia, Canada (the “Mortgage Documents”). The
guarantee of and the mortgages for the Obligations of the Borrower under this Note is being provided as an accommodation to Holder
to extend the Loan Amount, which the Holder would not otherwise make to the Borrower.

 

     

     

    

 

7.           Covenants.
The Borrower hereby covenants and agrees with the Holder that that so long as the Obligations (other than contingent indemnification
obligations as to which no claim has been asserted) under this Note remain outstanding, that Borrower not shall, without
the prior written consent of Holder, sell, assign, transfer, encumber or otherwise dispose of all or any portion of the Borrower’s
rights, title and interest in the Borrower or in its Business, except for (a) disposal of damaged, obsolete or worn out
equipment, in each case in the ordinary course of the Borrower’s Business, (b) the sale or licensing of other intellectual
property of the Borrower on an arms-length basis and in the ordinary course of the Borrower’s Business, and (c) investment
securities of or rights in the Borrower or its Business sold or issued by the Company to __________.

 

8.           Events
of Default. It shall constitute an event of default (“Event of Default”) of this Note if any one or
more of the following shall occur for any reason:

 

(a)           any failure to
pay principal and interest on this Note pursuant to Section 3, Section 4 (including any default interest as prescribed
by Section 4(e)) or Section 5 after the same shall become due (whether by scheduled maturity, acceleration, demand
or otherwise); or

 

(b)           any representation
or warranty made or deemed made by or on behalf of either Borrower under or in connection with this Note or in the Mortgage Documents
shall have been incorrect in any respect when made or deemed made;

 

(c)           The Borrower shall
fail to perform or observe any term, covenant (including without limitation, any covenant under Section 7 of this Note)
or agreement contained in this Note or the Mortgage Documents;

 

(d)           The Borrower or
_____ shall (i) become insolvent or shall fail generally to pay its debts as they mature or shall apply for, shall consent to,
or shall acquiesce in the appointment of a custodian, trustee or receiver for itself or for a substantial part of his property
or assets; or, in the absence of such application, consent or acquiescence, a custodian, trustee or receiver shall be appointed
for any Borrower or for a substantial part of any Borrower’s property or assets, or any Borrower shall make an assignment
for the benefit of creditors; or (ii) be the subject of any bankruptcy, reorganization, debt arrangement or other proceedings under
any bankruptcy or insolvency act or law, state, federal or foreign, now or hereafter existing, whether voluntary or involuntary,
which shall not have been dismissed within 60 days or an order for relief shall have been entered against such Borrower; or

 

(e)           Any Mortgage Document
entered into in conjunction with the Loan shall at any time after its execution and delivery and for any reason cease: (1) to create
a valid and perfected security interest in and to the property purported to be subject to such Mortgage Document with a priority
as required by this Note; or (2) to be in full force and effect or shall be declared null and void, or the validity or enforceability
thereof shall be contested by Borrower or ______, or Borrower or ___________, as applicable, shall deny it/he has any further liability
or obligation under any Mortgage Document, or Borrower or ___ shall fail to perform any of Borrower’s or ____ obligations
under any Mortgage Document;

 

     

     

    

 

(f)           The occurrence
of any event that could reasonably be expected to have a material adverse effect on the Borrower or ________ in respect of any
of the obligations of this Note or under the guarantee or Mortgage Documents and the security interest provided thereby.

 

9.           Remedies.
Upon the occurrence and during the continuance of an Event of Default, Holder shall have the right to, without notice to or demand
on the Borrower, to declare the outstanding principal and all accrued and unpaid interest hereunder immediately due and payable,
provided, that, upon the occurrence of an Event of Default specified in Section 8(d), all amounts owing under this
Note shall immediately become due and payable. In addition to the right of acceleration, upon the occurrence of an Event of Default,
Holder shall have any and all of the rights and remedies available at law or in equity.

 

10.           Miscellaneous
Provisions.

 

(a)           This Note may
not be amended or modified, and revision hereto shall not be effective, except by an instrument in writing executed by the Borrower
and Holder.

 

(b)           Any notice or
communication by the Borrower, on the one hand, or Holder on the other hand, to the other is duly given if in writing and delivered
in Person or mailed by first class mail (registered or certified, return receipt requested), or overnight air courier guaranteeing
next day delivery, to the others’ address set forth in Section 1 to this Note. Holder or the Borrower, by notice to
the other party, may designate additional or different addresses for subsequent notices or communications. All notices and communications
shall be deemed to have been duly given: at the time delivered by hand, if personally delivered; three Business Days after being
deposited in the mail, postage prepaid, if mailed; and the next Business Day after timely delivery to the courier, if sent by overnight
air courier guaranteeing next day delivery.

 

(c)           Every provision
of this Note is intended to be severable. In the event any term or provision hereof is declared by a court of competent jurisdiction
to be illegal or invalid for any reason whatsoever, such illegality or invalidity shall not affect the balance of the terms and
provisions hereof, which terms and provisions shall remain binding and enforceable.

 

(d)           The Borrower shall
jointly and severally pay to Holder, on demand, all costs of administration, enforcement and collection (including without limitation,
any fees, disbursements and other charges of primary and special counsel to Holder) of this Note, whether or not any action or
proceeding is brought to enforce the provisions hereof.

 

(e)           No failure on
the part of Holder to exercise, and no delay in exercising, any right, power, privilege or remedy hereunder shall operate as a
waiver thereof, nor shall any single or partial exercise thereof by Holder preclude any other or further exercise thereof or the
exercise of any other right, power, privilege or remedy of Holder.

 

     

     

    

 

(f)           Headings at the
beginning of each numbered Section of this Note are intended solely for convenience of reference and are not to be deemed or construed
to be a part of this Note.

 

(g)           This Note may
not be sold, transferred or otherwise hypothecated, in whole or in part by the Borrower. Any attempted sale, transfer or hypothecation
of this Note in violation of this provision shall be null and void.

 

(h)           The obligations
of the Borrower, including the Obligations, under this Note shall be automatically reinstated if and to the extent that for any
reason any payment by or on behalf of the Borrower in respect of this Note is rescinded or must be otherwise restored by Holder,
whether as a result of any proceedings in bankruptcy or reorganization or otherwise, and the Borrower agrees that it will indemnify
Holder on demand for all reasonable costs and expenses (including, without limitation, reasonable fees of counsel) incurred by
Holder in connection with any such rescission or restoration, including any such costs and expenses incurred in defending against
any claim alleging that such payment constituted a preference, fraudulent transfer or similar payment under any bankruptcy, insolvency
or similar law. The provisions of this paragraph (h) shall survive the termination of this Note.

 

(i)           This
Note shall be governed and controlled as to validity, enforcement, interpretation, construction, effect and in all other respects,
including, but not limited to, the legality of the interest charged hereunder, by the statutes, laws and decisions of the State
of New York without giving effect to such State’s conflicts of laws principles. 

 

The Borrower hereby irrevocably
consents to the venue and jurisdiction of the federal and state courts located in New York with respect to any proceeding which
may be brought in connection with the Note. The Borrower hereby expressly and irrevocably waives the right to a trial by jury in
any action or proceeding arising out of this Note. The Borrower waives any and all rights under the laws of the State of New York
to object to the jurisdiction of, or the commencement of any such claim, action or proceeding in, the State courts of the State
of New York or the federal courts of the State of New York as hereinabove set forth.

 

 

 

[Remainder of page left
intentionally blank]

 

     

     

    

 

IN WITNESS WHEREOF, the Borrower has executed
this Note as of the date first set forth above.

 

 

	By:	 
	 	 
	Name [Printed]:	 
	 	 
	Title: 	 

 

     

     

    

 

Schedule 1

 

	Principle Amount	Date of Extension of Credit	Aggregate Principle Amount Due	Notes
	 	 	 	 
	$150,000	August 11, 2016	$150,000	Loan extension
	$3,500	August 11, 2016	$153,500	Expenses of first tranche – note, guarantee, corporate authorization
	 	 	 	 
	 	 	 	 

 

Schedule 2

 

	Date of Payment	Principal Paid or Prepaid	Aggregate Principal Balance	Notation Made By

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