Document:

<PAGE>    98
                                                                   EXHIBIT 10.20
                                     FORM OF
                                    GUARANTY

     This Guaranty (this "GUARANTY") is made as of the _____ day of _________ by
each of the entities that is a signatory  hereto  (individually,  a "GUARANTOR";
collectively,  the  "GUARANTORS"),  in favor of Bank  One,  NA (the  "BANK"),  a
national banking association having its principal office in Chicago, Illinois.

                                R E C I T A L S:

     A.  Camden  Property  Trust,  a Texas  real  estate  investment  trust (the
"COMPANY"),  has requested  that the Bank make a loan ("LOAN") to an employee of
the Company  (including  such employee's  heirs,  personal  representatives  and
assigns, the "BORROWER"),  the proceeds of which will be used by the Borrower to
purchase common shares of beneficial  interest ("COMMON SHARES") of the Company.
The Borrower has  executed a promissory  note (as amended,  replaced or restated
from time to time,  a "NOTE") to evidence  the Loan which may from time to time,
in the sole  discretion of the Bank,  be made to the Borrower.  The Borrower and
his/her Note amount are set forth on Exhibit A hereto.

     B.  Each of the Guarantors is a direct or indirect wholly-owned  subsidiary
of the  Company.  The  execution  and  delivery of this  Guaranty is a condition
precedent to any extension of credit to the Borrower  pursuant to the Note. Each
term used but not otherwise  defined  herein shall have the meaning  ascribed to
such term by the Note.

     C.  By virtue of the Borrower's services to the Company and the Guarantors,
the Guarantors  have derived and will continue to derive  substantial  benefits.
Moreover,  the ownership of the Common Shares which will be  facilitated  by the
Loan will provide  incentive to the Borrower in performing  his/her job so as to
more closely  align the  interests of the Borrower with those of the Company and
its shareholders, and thus confer significant benefits upon the Guarantors.

     NOW,  THEREFORE,  in  consideration  of the  foregoing  and other  good and
valuable  consideration and as an inducement to the Bank to make the Loan to the
Borrower, each Guarantor hereby agrees as follows:

     1.  Each Guarantor  hereby  jointly and  severally, absolutely, irrevocably
and  unconditionally  guarantees  prompt  payment  when due, whether  at  stated
maturity, upon  acceleration or  otherwise, and at all  times thereafter, of any
and all existing  and future  indebtedness,  fees (including  any  Early Payment
Fees) and liabilities  of every kind, nature  and character, direct or indirect,
absolute or  contingent  (including all  renewals, extensions  and modifications
thereof and all reasonable attorneys' fees incurred by  the Bank  in  connection
with  the  collection or  enforcement thereof), of  the  Borrower  to  the  Bank
howsoever and whensoever  created, but only to the extent constituting a Loan or
Overdrafts (as defined  in the Note) or arising  under and evidenced by the Note
executed by the Borrower and  payable to the Bank (the "Guaranteed  Debt"). This
is a guaranty of payment, not a guaranty of collection.

     2.  Each Guarantor  waives notice of the acceptance of this Guaranty and of
the extension or continuation  of the Guaranteed Debt or any part thereof.  Each
Guarantor further waives all setoffs and counterclaims and presentment, protest,
notice,  the  benefit  of any  statutes  of  limitation,  demand  or  action  or

<PAGE>    99

delinquency in respect of the Guaranteed Debt or any part thereof, including any
right ...()()()..to require the Bank to sue the Borrower, any other guarantor or
any other  person  obligated  with  respect to the  Guaranteed  Debt or any part
thereof, or otherwise to enforce payment thereof against any collateral securing
the  Guaranteed  Debt or any part  thereof.  If at any time any  payment  of any
portion of the  Guaranteed  Debt is rescinded  or must  otherwise be restored or
returned upon the insolvency,  bankruptcy or  reorganization  of the Borrower or
otherwise,  each Guarantor's  obligations hereunder with respect to such payment
shall be  reinstated  at such time as though such  payment had not been made and
whether or not the Bank is in possession of this Guaranty.

     3.  Each Guarantor hereby agrees that, to the fullest  extent  permitted by
law, its obligations  hereunder shall be continuing,  absolute and unconditional
under any and all  circumstances  and not subject to any reduction,  limitation,
impairment,  termination,  defense  (other than  indefeasible  payment in full),
setoff, counterclaim or recoupment whatsoever (all of which are hereby expressly
waived by it to the fullest extent  permitted by law),  whether by reason of any
character  whatsoever,  including,  without  limitation,  any  claim of  waiver,
release,  surrender,  alteration or compromise.  This Guaranty shall continue in
effect  until  receipt by the Bank of  written  notice of its  termination  and,
notwithstanding such receipt, thereafter as to Guaranteed Debt incurred, arising
or  committed  for prior to receipt by the Bank of such  notice of  termination,
notwithstanding  any  extensions,  modifications,  renewals or indulgences  with
respect to, or substitutions for, the Guaranteed Debt or any part thereof.

     4.  The validity and  enforceability of this Guaranty shall not be impaired
or affected by any of the following,  whether  occurring before or after receipt
by the Bank of  notice  of  termination  of this  Guaranty:  (a) any  extension,
modification or renewal of, or indulgence with respect to, or substitutions for,
the Guaranteed Debt or any part thereof or any agreement relating thereto at any
time;  (b) any failure or  omission  to enforce any right,  power or remedy with
respect to the  Guaranteed  Debt or any part thereof or any  agreement  relating
thereto, or any collateral securing the Guaranteed Debt or any part thereof; (c)
any waiver of any right,  power or remedy or of any default  with respect to the
Guaranteed  Debt or any part thereof or any agreement  relating  thereto or with
respect to any collateral  securing the Guaranteed Debt or any pan thereof;  (d)
any  release,  surrender,  compromise,   settlement,  waiver,  subordination  or
modification,  with or without  consideration,  of any  collateral  securing the
Guaranteed  Debt or any part thereof,  any other  guaranties with respect to the
Guaranteed  Debt or any part thereof,  or any other  obligation of any person or
entity  with  respect  to the  Guaranteed  Debt  or any  pad  thereof;  (e)  the
enforceability  or validity of the  Guaranteed  Debt or any part  thereof or the
genuineness,  enforceability  or validity of any agreement  relating  thereto or
with respect to any collateral securing the Guaranteed Debt or any part thereof;
(f) the  application  of  payments  received  from any source to the  payment of
indebtedness  other than the Guaranteed  Debt, any part thereof or amounts which
are not  covered by this  Guaranty  even  though the Bank  might  lawfully  have
elected to apply such payments to any part or all of the  Guaranteed  Debt or to
amounts which are not covered by this Guaranty; (g) the insolvency,  bankruptcy,
death or any other change in the legal status of the Borrower; (h) the change in
or the imposition of any law, decree, regulation or other governmental act which
does or might impair, delay or in any way affect the validity, enforceability or
the payment when due of the Guaranteed  Debt; (i) the failure of the Borrower or
any  Guarantor  to maintain  in full  force,  validity or effect or to obtain or
renew when required all governmental  and other approvals,  licenses or consents
required in connection with the Guaranteed Debt or this Guaranty, or to take any
other action  required in connection  with the  performance  of all  obligations
pursuant to the  Guaranteed  Debt or this  Guaranty;  (j) the  existence  of any
claim,  setoff or other rights which any  Guarantor may have at any time against
the  Borrower  in  connection  herewith  or an  unrelated  transaction;  (k) any
disbursement  of funds to the Borrower who has not executed and delivered a Note

<PAGE>    100

or any disbursement of funds on the basis of a facsimile  (rather than original)
signature for such Note (it being understood that upon the disbursement of funds
by the Bank to the Company with respect to the Borrower in the principal  amount
set forth on  Exhibit A  hereto,  such  amount  shall for all  purposes  of this
Guaranty be treated as a Loan outstanding to the Borrower in accordance with the
Note and shall be  included  in the  Guaranteed  Debt;  or (l) any other fact or
circumstances which might otherwise  constitute grounds at law or equity for the
discharge  or release  of any  Guarantor  from its  obligations  hereunder,  all
whether or not any  Guarantor  shall have had notice or  knowledge of any act or
omission referred to in the foregoing clauses (a) through (l) of this paragraph.
It  is  agreed  that  each  Guarantor's   liability  hereunder  is  several  and
independent of any other  guaranties or other  obligations at any time in effect
with  respect  to the  Guaranteed  Debt  or  any  part  thereof  and  that  each
Guarantor's  liability  hereunder may be enforced  regardless of the  existence,
validity,  enforcement or  non-enforcement of any such other guaranties or other
obligations or any provision of any  applicable law or regulation  purporting to
prohibit  payment by the Borrower of the  Guaranteed  Debt in the manner  agreed
upon  between the Bank and the  Borrower.  To the extent  that,  by operation of
Section 16 of the Note or  otherwise,  the Bank is not  entitled  to collect any
portion of the Guaranteed Debt in the amount and manner provided for in the Note
(such portion being the "Excess Amount"),  the Guarantors shall  nevertheless be
obligated  to, and  shall,  pay to the Bank,  as  additional  consideration  for
funding the Loan and thereby benefiting the Guarantors,  an amount equal to such
Excess Amounts. Such additional  consideration shall be paid upon demand made on
or after the date such Excess Amount was otherwise due.

     5.  Credit may be granted or continued from time to time by the Bank to the
Borrower without notice to or authorization from any Guarantor regardless of the
Borrower's  financial  or  other  condition  at the  time of any  such  grant or
continuation,  provided that in no event shall the principal amount  outstanding
under the  Borrower's  Note  exceed  the amount  set forth for the  Borrower  on
Exhibit A hereto.  The Bank shall have no obligation to disclose or discuss with
any Guarantor its assessment of the financial condition of the Borrower.

     6.  Until the Guaranteed Debt is  irrevocably  paid in full, the Guarantors
shall not have or exercise  any right of  subrogation  with  respect to payments
made by any  Guarantor  pursuant to this  Guaranty and hereby waive any right to
enforce  any remedy  which the Bank now has or may  hereafter  have  against the
Borrower.

     7.  In the event  that acceleration  of the time for  payment of any of the
Guaranteed Debt is stayed, upon the insolvency,  bankruptcy or reorganization of
the Borrower, or otherwise, all such amounts shall nonetheless be payable by the
Guarantors  forthwith  upon demand by the Bank.  Each  Guarantor  further agrees
that, to the extent that the Borrower makes a payment or payments to the Bank on
the Guaranteed  Debt, or the Bank receives any proceeds of  collateral,  if any,
securing the Guaranteed  Debt,  which payment or receipt of proceeds or any part
thereof is subsequently invalidated,  declared to be fraudulent or preferential,
set aside or  required to be  returned  or repaid to the  Borrower,  its estate,
trustee,  receiver, debtor in possession or any other party, including,  without
limitation,  any  Guarantor,  under any  insolvency or bankruptcy  law, state or
federal law, common law or equitable cause,  then to the extent of such payment,
return or repayment, the obligation or part thereof which has been paid, reduced
or satisfied by such amount shall be reinstated  and continued in full force and
effect as of the date when  such  initial  payment,  reduction  or  satisfaction
occurred.

     8.  Without limiting  the rights of  the Bank under  applicable  law,  each
Guarantor authorizes the Bank to apply or offset any sums standing to the credit
of the Guarantors with any office,  branch,  subsidiary or affiliate of the Bank
to the  payment  when due of any  amount  owing  by the  Guarantors  under  this
Guaranty.

<PAGE>    101

     9.  No provision of this Guaranty may be amended, supplemented or modified,
or any of the terms and provisions hereof waived, except by a written instrument
executed by the Bank and each  Guarantor.  No failure on the part of the Bank to
exercise,  and no delay in exercising,  any right  hereunder  shall operate as a
waiver thereof;  nor shall any single or partial exercise of any right hereunder
preclude  any other or further  exercise  thereof or the  exercise  of any other
right.  The remedies  herein  provided are  cumulative  and not exclusive of any
remedies provided by law. Any determination by a court of competent jurisdiction
of the amount of any Guaranteed  Debt owing by the Borrower to the Bank shall be
conclusive and binding on each Guarantor  irrespective of whether such Guarantor
was a party to the suit or  action in which  such  determination  was made.  All
obligations of the Guarantors hereunder shall be joint and several.

     10. Each Guarantor hereby represents and warrants to the Bank that:

         (a)  such  Guarantor  is a  corporation  or  limited  partnership  duly
              incorporated or organized,  validly  existing and in good standing
              under the laws of its  jurisdiction of incorporation or formation,
              as  applicable,  and is duly  qualified  and in good standing as a
              foreign  corporation or limited partnership and is duly authorized
              to conduct its business in each  jurisdiction  in which the nature
              of its  business or the  ownership  of its  properties  makes such
              qualification  necessary,  other than in such jurisdictions  where
              the failure to be so qualified  would not have a material  adverse
              effect on such Guarantor;

         (b)  such  Guarantor has all requisite  power and authority  (corporate
              and  otherwise)  and  legal  right to  execute  and  deliver  this
              Guaranty and to perform its obligations hereunder;

         (c)  the execution and delivery by such  Guarantor of this Guaranty and
              the  performance  of its  obligations  hereunder  have  been  duly
              authorized  by proper  corporate or  partnership  proceedings,  as
              applicable,  and this Guaranty  constitutes  the legal,  valid and
              binding  obligations of such Guarantor,  enforceable  against such
              Guarantor,  in accordance with its terms, except as enforceability
              may be limited by bankruptcy, insolvency or similar laws affecting
              the enforcement of creditors' rights generally;

         (d)  neither  the  execution  and  delivery by such  Guarantor  of this
              Guaranty nor compliance with the provisions of this Guaranty will,
              or at the relevant time did, (i) violate any law, rule, regulation
              (including   Regulations  T,  U  or  X),  order,  writ,  judgment,
              injunction,  decree or award  binding  on such  Guarantor  or such
              Guarantor's  charter,  articles or certificate  of  incorporation,
              certificate of formation,  by-laws or partnership agreement,  (ii)
              violate the  provisions  of or require the  approval or consent of
              any party to any indenture,  instrument or agreement to which such
              Guarantor  is a  party  or is  subject,  or by  which  it,  or its
              property,  is bound,  or  conflict  with or  constitute  a default
              thereunder,  or result in the creation or  imposition  of any lien
              in, of or on the property of such Guarantor  pursuant to the terms
              of any such indenture,  instrument or agreement,  or (iii) require
              any  consent  of  the   stockholders  of  any  person  or  of  any
              governmental authority; and

         (e)  no obligations of the Borrower to such Guarantor in respect of the
              Loan or this Guaranty are directly or "indirectly  secured" by any
              "margin  stock" (as such terms are defined in  Regulation U of the
              Board of Governors of the Federal Reserve System).

     Each Guarantor agrees that (i) the foregoing representations and warranties
shall be deemed to have been made by such Guarantor on the date of this Guaranty
and (ii) it will not take any action or accept any collateral which would result
in Section  10(e) of this  Guaranty  being untrue at any time. At the request of
the Bank, each Guarantor agrees to promptly deliver,  or caused to be delivered,

<PAGE>    102

to the Bank the  information  required to be delivered  under Section 7.1 of the
Existing  Credit  Agreement  evidencing  compliance with the covenants and other
terms  contained  therein and such other  information  regarding  the  financial
position or business of the Guarantors as the Bank may  reasonably  request from
time to time.

     11. The  undersigned  shall pay all  costs,  fees and  expenses  (including
reasonable  attorneys' fees) incurred by the Bank in collecting or enforcing the
Guarantors' obligations under this Guaranty.

     12. Wherever  possible,   each   provision  of   this   Guaranty  shall  be
interpreted  in such manner as to be effective and valid under  applicable  law,
but if any  provision of this  Guaranty  shall be prohibited by or invalid under
such law, such provision shall be ineffective to the extent of such  prohibition
or  invalidity  without  invalidating  the  remainder  of such  provision or the
remaining  provisions  of this  Guaranty.  The  provisions  of this Guaranty are
severable, and in any action or proceeding involving any state corporate law, or
any  state or  federal  bankruptcy,  insolvency,  reorganization  or  other  law
affecting the rights of creditors generally, if the obligations of any Guarantor
hereunder  would  otherwise be held or determined  to be  avoidable,  invalid or
unenforceable on account of the amount of such Guarantor's  liability under this
Guaranty,  then,  notwithstanding  any other  provision of this  Guaranty to the
contrary,  the amount of such liability shall, without any further action by the
Guarantors  or the Bank be  automatically  limited  and  reduced to the  highest
amount  which  is  valid  and  enforceable  as  determined  in  such  action  or
proceeding.

     13. This Guaranty  shall (i) bind  the Guarantors and  their successors and
assigns,  (ii) inure to the benefit of the Bank,  its successors and assigns and
(iii) be governed by the  internal  laws (and not the law of  conflicts)  of the
State  of  Illinois.   The  undersigned  hereby   irrevocably   submits  to  the
non-exclusive  jurisdiction of any United States federal or Illinois state court
sitting in Chicago in any action or  proceeding  arising  out of or  relating to
this Guaranty,  and each Guarantor hereby  irrevocably agrees that all claims in
respect of such action or  proceeding  may be heard and  determined  in any such
court. THE GUARANTORS AND THE BANK, BY ITS ACCEPTANCE HEREOF,  EACH HEREBY WAIVE
ANY RIGHT TO A JURY TRIAL IN ANY ACTION ARISING HEREUNDER.

     14. Except as  otherwise  expressly  provided  herein, any  notice required
or desired to be  served,  given or  delivered  to any party  hereto  under this
Guaranty shall be in writing by telex, facsimile, U.S. mail or overnight courier
and  addressed  or  delivered  to such  party (a) if to the Bank,  at 1 Bank One
Plaza, Chicago, Illinois 60670, Attention:  Carolyn M. Johnson, facsimile: (312)
732-7099, or (b) if to any Guarantor,  at their addresses set forth below, or to
such  other  address  as the Bank or any  Guarantor  designates  to the Agent in
writing.  All notices by United States mail shall be sent certified mail, return
receipt  requested.  All notices  hereunder  shall be effective upon delivery or
refusal of receipt;  provided,  however, that any notice transmitted by telex or
facsimile shall be deemed given when  transmitted  (answerback  confirmed in the
case of telexes).

                            [signature page follows]

<PAGE>    103

     IN WITNESS WHEREOF, each  Guarantor has  executed this  Guaranty  as of the
date first above written.

                                        CAMDEN USA, INC.

                                        By:_____________________________________
                                        Title:__________________________________

                                        Address:  3 Greenway Plaza
                                                  Suite 1300
                                                  Houston, Texas 77046

                                                  Attention: G. Steven Dawson
                                                  Facsimile: (713) 354-2710

                                        CAMDEN OPERATING L.P.

                                        By:  CPT-GP, Inc., its general partner

                                        By:_____________________________________
                                        Title:__________________________________

                                        Address:  3 Greenway Plaza
                                                  Suite 1300
                                                  Houston, Texas 77046

                                                  Attention: G. Steven Dawson
                                                  Facsimile: (713) 354-2710EXHIBIT 10.16
                                                                   -------------

                         DEFERRED COMPENSATION AGREEMENT
                         -------------------------------

         THIS DEFERRED COMPENSATION AGREEMENT, (the "Agreement") is made as of
December 30, 1999 and memorializes the oral agreement entered into on December
14, 1999 by and between LEUCADIA NATIONAL CORPORATION, a New York corporation
(the "Company"), and Joseph S. Steinberg (the "Executive"), collectively the
parties ("Parties").

                                   WITNESSETH:
                                   -----------

         WHEREAS, Executive is employed by the Company as President; and

         WHEREAS, in connection with the provisions of services to the Company
in his capacity as President the Executive desires to defer the receipt of
certain compensation from the Company to which in the future he may become
entitled, and the Company agrees to do so, in accordance with the terms and
provisions herein contained;

         NOW, THEREFORE, in consideration of the premises and the mutual
convenants and agreements herein contained, the Parties hereby agree as follows:

         1. Deferral of Payments.

         The Company, commencing January 1, 2000 for the calendar year ending
December 31, 2000, shall defer the payment of all compensation to be paid to the
Executive by the Company attributable to services performed or to be performed
by the Executive for the Company at any time. Each deferred payment shall accrue
simple interest (on the basis of a 360-day year), from the first day of the
month immediately following the date on which payment otherwise would have been
made if no deferral had existed (the "first New Month Date") until the date of
actual payment, at a rate of interest equal to the 1-year Treasury bill rate in
effect at each First New Month Date, and the rate of interest shall be reset on
the first day of each subsequent quarter. For purposes hereof, the quarters for
calendar year 2000 shall begin January 1, April 1, July 1, and October 1.

         All amounts deferred pursuant to this Agreement, including interest,
shall be payable to the Executive in calendar year 2001 by no later than March
15th of that year. Notwithstanding the preceding sentence, to the extent that
the aggregate deferred payments hereunder (including interest) exceed the
maximum annual amount deductible as compensation by the Company under applicable
U.S. federal tax laws, the Company may make such payments in two or more
installments in different taxable years to permit the Company to obtain the
maximum annual deduction available.

         The Executive shall fully reimburse the Company for the dollar value of
any benefits provided by the Company to the Executive during calendar year 2000
which, in the absence of such reimbursement obligation, would be taxable as
compensation to the Executive if made available to him by the Company without
such obligation.

NY2:\882439\02\76830.0146
<PAGE>

Such benefits would include, without limitation, the personal use by the
Executive of a Company car, Company airplane, life insurance premiums, etc. This
reimbursement shall include an interest component equal to the minimum rate
permitted to avoid the imposition of any interest under Section 7872 of the
Internal Revenue Code of 1986, as amended. Amounts to be reimbursed to the
Company under this paragraph shall be paid by Executive upon demand therefor by
the Company, which shall be made in 2001 as promptly as practicable following
availability of the Company's audited financial statements for the fiscal year
ended December 31, 2000.

         The rights of the Executive to the payment of the amounts pursuant to
this Agreement shall be no greater than the rights of an unsecured general
creditor of the Company and may not be assigned, pledged or otherwise
transferred by him during his lifetime to any person, whether by operation or
law or otherwise, and shall not be subject to execution, attachment or similar
proceeding. By written notice delivered to the Company, the Executive may
designate (or change a prior designation of) one or more beneficiaries (or his
estate) to receive payment hereunder in the event of his death.

         2. Withholding.

         The Executive acknowledges and agrees that the Company shall be
entitled to withhold from his compensation all federal, state, local or other
taxes which the Company determines are required to be withheld on amounts
payable to the Executive pursuant to this Agreement or otherwise. The Executive
further agrees to indemnify the Company and hold it harmless from and against
any and all taxes (and penalties hereon) and interest with respect thereto
arising out of the Executive's failure to pay fully his tax liability pursuant
to any present or future law, regulation or ordinance of the United States of
America or any state, city or municipality therein.

         3. Governing Law.

         This Agreement shall be governed by and construed in accordance with
the laws of the State of New York.

         4. Entire Agreement.

         This Agreement constitutes the entire agreement between the Parties
hereto with respect to the subject matter hereof and supersedes all prior
agreements, understandings and arrangements, both oral and written, between the
Parties hereto with respect to such subject matter. This Agreement may not be
modified in any manner, execute by a written instrument signed by both the
Company and the Executive.

         5. Notices.

         Any notice required or permitted to be given under this Agreement shall
be in writing and shall be deemed to have been duly given when delivered by hand

                                       2
<PAGE>

or facsimile transmission or when deposited in the United States mail by
registered or certified mail, return receipt requested, postage prepaid, as
follows:

If to the Company:                Leucadia National Corporation
                                  315 Park Avenue South
                                  New York, NY 10010

with a copy to:                   Weil, Gotshal & Manges LLP
                                  767 Fifth Avenue
                                  New York, New York 10153
                                  Attention:  Stephen E. Jacobs

If to Executive:                  Joseph S. Steinberg
                                  c/o Leucadia National Corporation
                                  315 Park Avenue South
                                  New York, New York 10010

         or to such other addresses as either the Company or the Executive may
from time to time specify to the other.

         6. Notice of Termination; Applicability of Agreement.

         Amounts deferred pursuant to this Agreement shall be paid to the
Executive only as provided herein. At any time, by notice in writing from the
Executive to the Company, the Executive may terminate this Agreement whereupon
any compensation earned by the Executive subsequent to such notification shall
not be subject to the provisions hereof. Amounts earned prior to any such
notification shall remain subject to the terms hereof even after such
termination.

         7. Benefit; Binding Effect.

         This Agreement shall be for the benefit of any binding upon the Parties
hereto and their respective heirs, personal representatives, legal
representatives, successors and, where applicable, assigns.

                  [Remainder of page intentionally left blank]

                                       3
<PAGE>

         IN WITNESS WHEREOF, the Parties hereto have duly executed and delivered
this Agreement.

                            LEUCADIA NATIONAL CORPORATION

                            By: /s/ Joseph A. Orlando
                                ---------------------
                                JOSEPH A. ORLANDO

                                /s/ Joseph S. Steinberg
                                -----------------------
                                JOSEPH S. STEINBERG

                                       4

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