Document:

Exhibit 10.40

 

FOURTH AMENDMENT TO THIRD AMENDED AND RESTATED

WAREHOUSING CREDIT AND SECURITY AGREEMENT

 

This
Fourth Amendment to Third Amended and Restated Warehousing Credit and Security
Agreement (this “Amendment”), is entered into effective as of the 29th day of
October, 2003, by and among SIRVA MORTGAGE,
INC., an Ohio corporation f/k/a Cooperative Mortgage Services, Inc.
(“Company”), WASHINGTON MUTUAL BANK, FA, a
federal association (“WaMu”), NATIONAL CITY
BANK OF KENTUCKY, (“National City”, together with WaMu,
individually, an “Existing Lender” and collectively, “Existing Lenders”) and COLONIAL BANK, N.A., a national banking
association (“Colonial”, together with the Existing Lenders, individually, a
“Lender” and collectively, the “Lenders”), WASHINGTON
MUTUAL BANK, FA, a federal association, as agent for the Lenders
(“Agent”), and NATIONAL CITY BANK OF
KENTUCKY, as documentation agent for the Lenders (“Documentation
Agent”).

 

Section
1.               Recitals. Company, Agent, Documentation Agent, and Existing Lenders entered
into that certain Third Amended and Restated Warehousing Credit and Security
Agreement dated September 30, 2002, (the “Credit Agreement”) for the purposes
and consideration therein expressed. 
Company, Agent, Documentation Agent, and the Lenders desire to add
Colonial as a “Lender” under the Credit Agreement and make certain other
amendments to the Credit Agreement as more particularly set forth herein.
Therefore, Company, Agent, Documentation Agent, and the Lenders hereby agree as
follows, intending to be legally bound:

 

Section
2.               Definitions and References. Unless the context otherwise requires or
unless otherwise expressly defined herein, the terms in the Credit Agreement
shall have the same meanings whenever used in this Amendment.

 

Section
3.               Amendments. The Credit Agreement is hereby amended, as follows:

 

(a)           The following definition in Section 1.1 of
the Credit Agreement is hereby amended as follows:

 

“Commitment” means the commitment of the Lenders to make
Advances hereunder in an aggregate principal amount at any time outstanding
that shall not exceed ONE HUNDRED MILLION AND NO/100 DOLLARS ($100,000,000.00)
(“Aggregate Commitment Amount”), provided, however, that (a) on July 30, 2004,
the Aggregate Commitment Amount shall be reduced to FIFTY MILLION THOUSAND AND
NO/100 DOLLARS ($50,000,000.00) and (b) no Lender’s portion of such Advances
may ever exceed its Commitment Amount. The Commitment shall be composed of two
tranches with the first tranche (“Tranche A Commitment”) being in the amount of
$50,000,000.00 and having a Termination Date occurring on the close of business
on July 30, 2004 and the second tranche (“Tranche B Commitment”) being in the
amount of $50,000,000.00 and having a Termination Date occurring on July 31,
2005.

 

“Jumbo Loan” means a Single-family Mortgage Loan (other than a
FHA Loan or VA Loan) that complies with all applicable requirements for
purchase

 

 

under
the FNMA or FHLMC standard form of conventional mortgage purchase contract then
in effect except that the amount of such Mortgage Loan exceeds the maximum
amount under those requirements, but in no event shall the amount of such
Single-family Mortgage Loan exceed SIX HUNDRED FIFTY THOUSAND AND NO/100
DOLLARS ($650,000.00); provided, however, Agent may approve a higher amount for
such Mortgage Loan in its sole and absolute discretion if and only if such
Mortgage Loan is covered by a Purchase Commitment from an Investor to purchase
such Mortgage Loan and with respect to which there is no condition which cannot
be reasonably anticipated to be satisfied or complied with before its
expiration.

 

(b)           Sections 2. 1 (b) (2) (3) and (4) of the
Credit Agreement are deleted in their entirety, and the following is
substituted in lieu thereof for all purposes:

 

“(2)         The aggregate amount of Wet Settlement
Advances outstanding at any one time shall not exceed an amount equal to thirty
percent (30%) of the Commitment Amount.

 

(3)           The aggregate amount of Advances against Aged
Mortgage Loans outstanding at any one time shall not exceed ONE MILLION FIVE
HUNDRED THOUSAND AND NO/100 DOLLARS ($1,500,000.00).

 

(4)           The aggregate amount of Advances against
HELOC Mortgage Loans outstanding at any one time shall not exceed THREE MILLION
AND NO/100 DOLLARS ($3,000,000.00).”

 

(c)         Section
7.5     Minimum Adjusted Tangible Net Worth of the
Credit Agreement is deleted in its entirety, and the following is substituted
in lieu thereof:

 

“7.5       Minimum
Adjusted Tangible Net Worth.  Permit the sum of the Adjusted Tangible Net
Worth of Company (and its Subsidiaries, on a consolidated basis) to be less
than an amount equal to the sum of FIVE MILLION FIVE HUNDRED THOUSAND AND
NO/100 DOLLARS ($5,500,000.00) plus fifty percent of the Company’s net income
for each calendar month on a cumulative basis (in no event shall the foregoing
amount be reduced by any net loss of the Company realized at any time),
computed as of the end of each calendar month.

 

(d)         The
notification information for the existing Lenders as set forth in Article 9. Notices. of the Credit Agreement is
hereby amended to read as set forth below their respective signatures and the
notification information of Colonial as set forth below its signature is added
to such Article.

 

(e)         Exhibit “O”  to
the Credit Agreement is deleted in its entirety and Exhibit “O” to this Amendment is given
in substitution and replacement thereof.

 

Section 4.               Addition
of New Lender.   In accordance with Section 12.16 of the
Credit Agreement, Colonial hereby acknowledges and agrees, with the consent of
the Company, Agent, Documentation Agent, and the Existing Lenders, that, from
and after the effective date hereof, it shall be a party to the Credit
Agreement and shall have the rights and obligations of a Lender

 

2

 

under the Loan Documents as
set forth therein and as modified hereby. 
Colonial (a) represents and warrants to Company, Agent, Documentation
Agent, and the Existing Lenders that Colonial is legally authorized to enter
into this Amendment, (b) confirms that it has received a copy of the Credit
Agreement, copies of the current financials, and such other documents and
information as it deems appropriate to make its own credit analysis and
decision to enter into this Agreement, (c) agrees with Company, Agent,
Documentation Agent, and the Existing Lenders that Colonial shall –
independently and without reliance upon Agent, Documentation Agent, or any
other Lender and based on such documents and information as Colonial deems
appropriate at the time – continue to make its own credit decisions in taking
or not taking action under the Loan Documents, (d) appoints and authorizes
Agent to take such action as agent on its behalf and to exercise such powers
under the Loan Documents as are delegated to Agent by the terms of the Loan Documents
and all other reasonably–incidental powers, (e) confirms, acknowledges, and
agrees its Commitment Amount as set forth in Exhibit “O”  to the Credit Agreement, as modified hereby
and from time to time hereafter, and (f) agrees with Company, Agent, and the
other Lenders that Colonial shall perform and comply with all provisions of the
Loan Documents applicable to Lenders in accordance with their respective terms.
Promptly upon the execution hereof, Colonial shall fund its Commitment
Percentage of all outstanding Advances under the Credit Agreement and the
proceeds thereof shall be paid by Agent to Existing Lenders to reduce the
outstanding principal amount of each Existing Lender’s portion of the
outstanding Advances in accordance with their respective Commitment
Percentages. Pursuant to Section 2.8 (a) of the Credit Agreement, Company
shall, upon the execution and delivery of this Amendment, pay to the Agent the
amount of any Commitment Fee due and payable in connection with the increase of
the Commitment pursuant to this Amendment.

 

Section
5.               Representations and Release of Claims.   
Except as otherwise specified herein, the terms and provisions hereof
shall in no manner impair, limit, restrict or otherwise affect the Obligations
of Company as evidenced by the Loan Documents. Company hereby acknowledges,
agrees, and represents that (i) Company is indebted to Lenders pursuant to the
terms of the Notes; (ii) the liens, security interests and assignments created
and evidenced by the Loan Documents are, respectively, first, prior, valid and
subsisting liens, security interests and assignments against the Collateral and
secure all indebtedness and obligations of Company to Lenders under the Notes,
the Credit Agreement, all other Loan Documents, as modified herein; (iii) all
of the representations and warranties contained in the Credit Agreement and all
instruments and documents executed pursuant thereto or contemplated thereby are
true and correct in all material respects on and as of this date; (iv) there are
no claims or offsets against, or defenses or counterclaims to, the terms or
provisions of the Loan Documents, and the other obligations created or
evidenced by the Loan Documents; (v) Company has no claims, offsets, defenses
or counterclaims arising from any of the Agent’s or Lenders’ acts or omissions
with respect to the Loan Documents, or the Agent’s or Lenders’ performance
under the Loan Documents; (vi) the representations and warranties contained in
the Loan Documents are true and correct representations and warranties of
Company, as of the date hereof; and (vii) Company is not in default and no
event has occurred which, with the passage of time, giving of notice, or both,
would constitute a default by Company of Company’s obligations under the terms and
provisions of the Loan Documents. In
consideration of the modification of Loan Documents, all as herein provided,
and the other benefits received by Company hereunder, Company hereby RELEASES,
RELINQUISHES and forever DISCHARGES Agent, Documentation Agent, each Existing
Lender, their respective predecessors, successors, assigns, shareholders,
principals, parents, subsidiaries, agents, officers, directors, employees,

 

3

 

attorneys and representatives (collectively, the “Lender
Released Parties”), of and from any and all claims, demands, actions and causes
of action of any and every kind or character, whether known or unknown, present
or future, which Company has, or may have against Lender Released Parties, arising
out of or with respect to any and all transactions relating to the Credit
Agreement, the Notes, and the other Loan Documents occurring prior to the date
hereof, including any other loss, expense and/or detriment, of any kind or
character, growing out of or in any way connected with or in any way resulting
from the acts, actions or omissions of the Lender Released Parties, and
including any loss, cost or damage in connection with any breach of fiduciary
duty, breach of any duty of fair dealing, breach of competence, breach of
funding commitment, undue influence, duress, economic coercion, conflict of
interest, negligence, bad faith, malpractice, violations of the Racketeer
Influence and Corrupt Organizations Act, intentional or negligent infliction of
emotional or mental distress, tortious interference with corporate governance
or prospective business advantage, tortious interference with contractual
relations, breach of contract, deceptive trade practices, libel, slander,
conspiracy, the charging, contracting for, taking, reserving, collecting or
receiving of interest in excess of the highest lawful rate applicable to the
Loan Documents (i.e., usury), any violations of federal or state law, any
violations of federal or state banking rules, laws or regulations, including,
but not limited to, any violations of Regulation B, Equal Credit Opportunity,
bank tying act claims, any violation of the Texas Free Enterprise Antitrust Act
or any violation of federal antitrust acts.

 

Section
6.               Severability.  In
the event any one or more provisions contained in the Credit Agreement or this
Amendment should be held to be invalid, illegal or unenforceable in any
respect, the validity, enforceability and legality of the remaining provisions
contained herein and therein shall not be affected in any way or impaired
thereby and shall be enforceable in accordance with their respective terms.

 

Section
7.               Fees and Expenses.  In
consideration of Lenders’ agreement to enter into this Amendment, Company shall
pay to the Agent on behalf of the Lenders (to be shared in their respective
Commitment Percentages) an amendment fee in the amount of $3,000.00, which fee
shall be due and payable upon the execution and delivery of this Amendment.
Company agrees to pay all out-of-pocket costs and expenses (including
reasonable attorney’s fees and expenses) of the Agent and the Lenders in
connection with the preparation, operation, administration and enforcement of
this Amendment.

 

Section
8.               Ratification of Agreements. (a) Except as amended hereby, Company
ratifies and confirms that the Credit Agreement and all other Loan Documents
are and remain in full force and effect in accordance with their respective
terms and that all Collateral is unimpaired by this Amendment and secures the
payment and performance of all indebtedness and obligations of Company under
the Notes, the Credit Agreement, and all other Loan Documents, as modified
hereby. Company shall execute and deliver a new Note to each Lender in the
amount of its respective Commitment Amount.

 

(b)           The undersigned officer of the Company executing this Amendment
represents and warrants that he has full power and authority to execute and
deliver this Amendment on behalf of the Company this Amendment, that such
execution and delivery has been duly authorized by all necessary corporate
action of Company, and represents and warrants that the

 

4

 

resolutions and affidavits
previously delivered to Agent, in connection with the execution and delivery of
the Credit Agreement, are and remain in full force and effect and have not been
altered, amended or repealed in anyway.

 

(c)           Any reference to the Credit Agreement in any Loan Document shall be
deemed to be references to the Credit Agreement as amended hereby. Any
reference in this Amendment and the other Loan Documents to the Notes shall be
deemed to be references to the new Notes executed and delivered by the Company
in connection herewith.

 

Section
9.               Authority. The undersigned officer of the Company executing this Amendment
represents and warrants that he has full power and authority to execute and
deliver this Amendment on behalf of the Company this Amendment, that such
execution and delivery has been duly authorized by all necessary corporate
action of Company, and represents and warrants that the resolutions and
affidavits previously delivered to Agent, in connection with the execution and
delivery of the Credit Agreement, are and remain in full force and effect and
have not been altered, amended or repealed in anywise.

 

Section
10.             No Waiver. Company agrees that no Event of Default and no Default has been
waived or remedied by the execution of this Amendment by Agent and Lenders, and
any such Default or Event of Default heretofore arising and currently continuing
shall continue after the execution and delivery hereof.

 

Section
11.             Governing Law. This Amendment shall be governed by and
construed in accordance with the laws of the State of Texas and, to the extent
applicable, by federal law.

 

Section
12.             Counterparts and Gender. This Amendment may be executed in any
number of counterparts and all of such counterparts taken together shall be
deemed to constitute one and the same instrument. Each gender used herein shall
include and apply to all genders, including the neuter.

 

Section
13.             NO ORAL AGREEMENTS. THIS AMENDMENT,  THE CREDIT
AGREEMENT, THE NOTES, AND THE OTHER LOAN DOCUMENTS, AS MODIFIED AND AMENDED
HEREBY, REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR ORAL AGREEMENTS OF THE
PARTIES.

 

THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

 

[Signature Pages Follow]

 

5

 

EXECUTED
this 30 day of October, 2003 to be effective as of the date first written
above.

 

	
   

  	
  COMPANY:

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  SIRVA MORTGAGE, INC.,

  
	
   

  	
  an Ohio corporation f/k/a

  
	
   

  	
  COOPERATIVE MORTGAGE
  SERVICES, INC.

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   /s/ Paul
  Klemme

  	
   

  
	
   

  	
  PAUL KLEMME, President

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  Notice
  Address:

  
	
   

  	
   

  
	
   

  	
  SIRVA MORTGAGE, INC

  
	
   

  	
  Attn: Attn: Paul Klemme,
  President

  
	
   

  	
  6070 Parkland Boulevard

  
	
   

  	
  Mayfield Heights, Ohio
  44124

  
	
   

  	
  Fax No.: (440) 646-1835

  

 

6

 

	
   

  	
  WASHINGTON MUTUAL BANK,
  F.A., successor

  
	
   

  	
  by merger to BANK UNITED,
  as Agent

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Colleen
  Landells

  	
   

  
	
   

  	
  Name:

  	
  Colleen Landells

  	
   

  
	
   

  	
  Title:

  	
  Vice President

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  Notice
  Address:

  
	
   

  	
   

  
	
   

  	
  Attn: Connie M. Woodland

  
	
   

  	
  Mortgage Banker Finance

  
	
   

  	
  6011 Connection Drive

  
	
   

  	
  Irving, Texas 75039

  
	
   

  	
  Facsimile: (469) 549-8732

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  WASHINGTON MUTUAL BANK,
  F.A., successor

  
	
   

  	
  by merger to BANK UNITED,
  as a Lender

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Ben Culver

  	
   

  
	
   

  	
  Name:

  	
  BEN CULVER

  	
   

  
	
   

  	
  Title:

  	
  VP

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  Notice
  Address:

  
	
   

  	
   

  
	
   

  	
  Attn: Michael D. McAuley,
  Managing Director

  
	
   

  	
  Mortgage Banker Finance

  
	
   

  	
  3200 Southwest Freeway,
  Suite 1922

  
	
   

  	
  Houston, Texas 77027

  
	
   

  	
  Facsimile: (713) 543-4292

  
									

 

7

 

	
   

  	
  NATIONAL CITY BANK OF
  KENTUCKY, as

  
	
   

  	
  Documentation Agent and a
  Lender

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Mary Jo
  Reiss

  	
   

  
	
   

  	
  Name:

  	
  Mary Jo Reiss

  	
   

  
	
   

  	
  Title:

  	
   Vice
  President

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  Notice
  Address:

  
	
   

  	
   

  
	
   

  	
  NATIONAL CITY BANK OF
  KENTUCKY

  
	
   

  	
  Attn: Allen Hagadon,
  Senior Vice President,

  
	
   

  	
  Mortgage Banking

  
	
   

  	
  421 West Market Street

  
	
   

  	
  Louisville, Kentucky 40202

  
	
   

  	
  Fax: (502) 581.4154

  
						

 

8

 

	
   

  	
  COLONIAL BANK, N.A., a
  national banking

  
	
   

  	
  association

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ [ILLEGIBLE]

  	
   

  
	
   

  	
  Name:

  	
  [ILLEGIBLE]

  	
   

  
	
   

  	
  Title:

  	
    Sr.
  Vice President

  	
   

  
	
   

  	
   

  
	
   

  	
  Notice
  Address:

  
	
   

  	
   

  
	
   

  	
  COLONIAL BANK

  
	
   

  	
  Attn: Catherine L.
  Kissick, Senior Vice President,

  
	
   

  	
  Mortgage Warehouse Lending
  Division

  
	
   

  	
  201 East Pine Street,
  Suite 730

  
	
   

  	
  Orlando, Florida 32801

  
	
   

  	
  Fax: (407) 835.6690

  
						

 

9

 

EXHIBIT “O”

 

LENDERS, AGGREGATE COMMITMENT AMOUNT,

AND COMMITMENT AMOUNT

 

	
   

  	
   

  	
   

  	
   

  	
  COMMITMENT
  AMOUNT

  	
   

  
	
  NAME OF LENDER

  	
   

  	
  Prior to
  and on

  July 29, 2004

  	
   

  	
  On and
  After

  July 30, 2004

  	
   

  
	
  Washington Mutual Bank, FA

  3200 Southwest Freeway,

  Suite 1922

  Houston, Texas 77027

  	
   

  	
  Tranche A Commitment:

  	
   

  	
  $

  	
  25,000,000.00

  	
  ;

  	
  -0

  	
  -

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Tranche B Commitment:

  	
   

  	
  $

  	
  25,000,000.00

  	
   

  	
  $

  	
  25,000,000.00

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  National City Bank of Kentucky

  101 South Fifth Street, T06K

  Louisville, Kentucky 40202

  	
   

  	
  Tranche A Commitment:

  	
   

  	
  $

  	
  12,500,000.00

  	
   

  	
  -0

  	
  -

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Tranche B Commitment:

  	
   

  	
  $

  	
  12,500,000.00

  	
   

  	
  $

  	
  12,500,000.00

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Colonial Bank, N.A.

  201 East Pine Street, Suite 730

  Orlando, Florida 40202

  	
   

  	
  Tranche A Commitment:

  	
   

  	
  $

  	
  12,500,000.00

  	
   

  	
  -0

  	
  -

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Tranche B Commitment:

  	
   

  	
  $

  	
  12,500,000.00

  	
   

  	
  $

  	
  12,500,000.00

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Aggregate Commitment Amount

  	
   

  	
  $

  	
  100,000,000.00

  	
  ;

  	
  $

  	
  50,000,000.00QuickLinks
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Exhibit 10.55    
    

[SIRVA
LOGO] 

December 6th,
2002 

Dear
Joan; 

I
am pleased to confirm the terms of the offer of employment to you at SIRVA, Inc. The offer is as follows: 

Position: Senior Vice President and Chief Financial Officer, reporting to Brian Kelley, president and CEO. The position will be located at the SIRVA
World Headquarters in Westmont, Il. 

Salary: $375,000 per year, payable in bi-weekly installments. The salary is quoted on an annual basis for convenience only and does not
imply employment for a specific term, nor alter the "at will" status of your employment. For the first year, there will be a signing bonus of $50,000 paid within thirty (30) days after your
start of employment. All payments are subject to taxes and other withholdings which may be required. 

Start Date: Exact start date to be agreed upon, but no later than March 31st, 2003. 

Annual Bonus: You will be eligible to participate in SIRVA Management Incentive Program which at your position has a projected annualized target bonus
of 80% of base salary. 

Severance: In the event that your employment is terminated by SIRVA without cause, you will be entitled to receive continued payments of your base
salary and health benefits until the earlier of one year after termination or until you obtain new employment. These continued payments would be subject to your execution of a general release and
standard provisions regarding confidentiality, non-competition and non-solicitation of employees, agents, and customers. 

Stock: You will be provided the opportunity to purchase up to 50,000 shares of common stock of SIRVA at the fair market value of such stock, established
by the Board of Directors at that time. Your purchase shall be made pursuant to a management stock subscription agreement substantially similar to those in effect for other officers of SIRVA which
shall state the terms and conditions upon which your shares are subject to repurchase in the event of your termination of employment. 

Stock Options: Under the stock incentive plan, two options are granted with each share of SIRVA common stock sold to the officers and other key
employees. Options are service based, and vest in equal annual installments on each of the first five anniversaries of the grant date. 

Company Car: During your employment, you will be provided with a car allowance of $1000 a month, which is grossed up at the end of the year. 

Benefits: You will be entitled to participate in all health, welfare and other benefits available to executives of the company. This includes personal
finance consulting through Ayco, and a Executive Physical supplement up to $1500.00. Those benefits will be described in the benefit documents being forwarded to you under separate cover. Those at the
SVP level and above qualify for 4 weeks of annual vacation. 

 

Additional
Terms: 

This
offer is contingent upon: 

	a)
	Your
not being subject to any contract that would be violated by your employment with SIRVA

	b)
	Your
successful completion of a drug/alcohol screening prior to your start date. 

I
have enclosed a copy of this offer letter for your records. Please execute the original as indicated below and return it to me in the enclosed envelope. 

On
behalf of the entire leadership team, I would like to welcome you to SIRVA. We are very excited about your joining our company and look forward to working with you. If you have any questions,
please do not hesitate to call me at (630) 717-4845. 

Sincerely,

Brian
Kelley

President and CEO - SIRVA 

Accepted
and agreed to this         day of March, 2002 

	

/s/  JOAN RYAN      
 Joan Ryan	
 	

 	
 	

 	

 
	

/s/  BRIAN KELLEY      
 Brian Kelley	
 	

 	
 	

 	

 

2

QuickLinks

Exhibit 10.55

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