Document:

Exhibit 4.8

 Exhibit 4.8 

MONARCH FINANCIAL HOLDINGS, INC. 

2006 EQUITY INCENTIVE PLAN 

 MONARCH FINANCIAL HOLDINGS, INC. 

2006 Equity Incentive Plan 
  

 Table of Contents 

 

					
	 ARTICLE I    DEFINITIONS
	  	1
			
	 1.01.
	  	 Accounting Firm
	  	1
	 1.02.
	  	 Administrator
	  	1
	 1.03.
	  	 Agreement
	  	1
	 1.04.
	  	 Award
	  	1
	 1.05.
	  	 Board
	  	1
	 1.06.
	  	 Change in Control
	  	1
	 1.07.
	  	 Code
	  	2
	 1.08.
	  	 Committee
	  	2
	 1.09.
	  	 Common Stock
	  	3
	 1.10.
	  	 Company
	  	3
	 1.11.
	  	 Control Change Date
	  	3
	 1.12.
	  	 Corresponding SAR
	  	3
	 1.13.
	  	 Exchange Act
	  	3
	 1.14.
	  	 Fair Market Value
	  	3
	 1.15.
	  	 Incentive Stock Option
	  	3
	 1.16.
	  	 Initial Value
	  	3
	 1.17.
	  	 Non-Qualified Stock Option
	  	4
	 1.18.
	  	 Option
	  	4
	 1.19.
	  	 Participant
	  	4
	 1.20.
	  	 Performance Criteria
	  	4
	 1.21.
	  	 Performance Shares
	  	4
	 1.22.
	  	 Plan
	  	4
	 1.23.
	  	 SAR
	  	5
	 1.24.
	  	 Stock Award
	  	5
	 1.25.
	  	 Stock Unit
	  	5
	 1.26.
	  	 Subsidiary
	  	5
		
	 ARTICLE II    PURPOSES
	  	5
		
	 ARTICLE III    ADMINISTRATION
	  	6
		
	 ARTICLE IV    ELIGIBILITY
	  	6
		
	 ARTICLE V    STOCK SUBJECT TO PLAN
	  	7
			
	 5.01.
	  	 Shares Issued
	  	7
	 5.02.
	  	 Aggregate Limit
	  	7
	 5.03.
	  	 Reallocation of Shares
	  	7
		
	 ARTICLE VI    OPTIONS
	  	7
			
	 6.01.
	  	 Award
	  	7

  

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	 6.02.
	  	 Option Price
	  	8
	 6.03.
	  	 Maximum Option Period
	  	8
	 6.04.
	  	 Nontransferability
	  	8
	 6.05.
	  	 Transferable Options
	  	8
	 6.06.
	  	 Employee Status
	  	8
	 6.07.
	  	 Exercise
	  	9
	 6.08.
	  	 Payment
	  	9
	 6.09.
	  	 Shareholder Rights
	  	9
	 6.10.
	  	 Disposition of Stock
	  	9
		
	 ARTICLE VII    SARS
	  	10
			
	 7.01.
	  	 Award
	  	10
	 7.02.
	  	 Maximum SAR Period
	  	10
	 7.03.
	  	 Nontransferability
	  	10
	 7.04.
	  	 Transferable SARs
	  	10
	 7.05.
	  	 Exercise
	  	11
	 7.06.
	  	 Employee Status
	  	11
	 7.07.
	  	 Settlement
	  	11
	 7.08.
	  	 Shareholder Rights
	  	11
		
	 ARTICLE VIII    STOCK AWARDS
	  	11
			
	 8.01.
	  	 Award
	  	11
	 8.02.
	  	 Vesting
	  	11
	 8.03.
	  	 Employee Status
	  	12
	 8.04.
	  	 Shareholder Rights
	  	12
		
	 ARTICLE IX    PERFORMANCE SHARE AWARDS
	  	12
			
	 9.01.
	  	 Award
	  	12
	 9.02.
	  	 Earning the Award
	  	12
	 9.03.
	  	 Payment
	  	13
	 9.04.
	  	 Shareholder Rights
	  	13
	 9.05.
	  	 Nontransferability
	  	13
	 9.06.
	  	 Transferable Performance Shares
	  	13
	 9.07.
	  	 Employee Status
	  	14
		
	 ARTICLE X    STOCK UNITS
	  	14
			
	 10.01.
	  	 Award
	  	14
	 10.02.
	  	 Earning the Award
	  	14
	 10.03.
	  	 Payment
	  	14
	 10.04.
	  	 Nontransferability
	  	14
	 10.05.
	  	 Shareholder Rights
	  	15

  

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	 ARTICLE XI    ADJUSTMENT UPON CHANGE IN COMMON STOCK
	  	15
		
	 ARTICLE XII    COMPLIANCE WITH LAW AND APPROVAL OF REGULATORY BODIES
	  	15
		
	 ARTICLE XIII    GENERAL PROVISIONS
	  	16
			
	 13.01.
	  	 Effect on Employment and Service
	  	16
	 13.02.
	  	 Unfunded Plan
	  	16
	 13.03.
	  	 Rules of Construction
	  	16
	 13.04.
	  	 Tax Withholding
	  	16
	 13.05.
	  	 Change in Control
	  	16
		
	 ARTICLE XIV    AMENDMENT
	  	17
		
	 ARTICLE XV    DURATION OF PLAN
	  	17
		
	 ARTICLE XVI    EFFECTIVE DATE OF PLAN
	  	17

  

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2006 Equity Incentive Plan 
  

 ARTICLE I 

DEFINITIONS 
  

	1.01.	Accounting Firm 

Accounting Firm means the independent accounting firm engaged to audit the Company’s financial statements. 

 

	1.02.	Administrator 

Administrator means the Committee and any delegate of the Committee that is appointed in accordance with Article III.
Notwithstanding the preceding sentence, “Administrator” means the Board on any date on which there is not a Committee. 
  

	1.03.	Agreement 

Agreement means a written agreement (including any amendment or supplement thereto) between the Company and a Participant specifying the
terms and conditions of an Award granted to such Participant. 
  

	1.04.	Award 

 Award
means an award of Performance Shares, or a Stock Award, Stock Unit, Option or SAR granted to a Participant. 
  

	1.05.	Board 

 Board
means the Board of Directors of the Company. 
  

	1.06.	Change in Control 

Change in Control means the occurrence of any of the events set forth in any one of the following paragraphs: 

(a) The Company is merged or consolidated or reorganized into or with another company or other legal entity, and as a result of such
merger, consolidation or reorganization less than a majority of the combined voting power of the then outstanding securities of such resulting company or entity immediately after such transaction is held directly or indirectly in the aggregate by
the holders of voting securities of the Company immediately prior to such transaction, including voting securities issuable upon the exercise or conversion of options, warrants or other securities or rights; or 

(b) The Company sells or otherwise transfers all or substantially all of its assets to another company or other legal entity, and as a
result of such sale or other transfer of assets, less than a majority of the combined voting power of the then outstanding securities of such company or other entity immediately after such sale or transfer is held directly or indirectly in the
aggregate by the holders of voting securities of the Company immediately prior to such 
  

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2006 Equity Incentive Plan 
  

 
sale or transfer, including voting securities issuable upon exercise or conversion of options, warrants or other securities or rights; or 

(c) Individuals who, as of the effective date of the Plan, constitute the Board (the “Incumbent Board”) cease for any reason to
constitute at least a majority of the Board; provided, however, that any individual becoming a director subsequent to the Effective Date whose election, or nomination for election by the Company’s shareholders, was approved by a vote of at
least two thirds of the directors then comprising the Incumbent Board shall be considered as though such individual were a member of the Incumbent Board, but excluding, for this purpose, any such individual whose initial assumption of office occurs
as a result of an actual or threatened election contest with respect to the election or removal of directors or other actual or threatened solicitation of proxies or consents by or on behalf of a person or entity other than the Board; or 

(d) Approval by the shareholders of the Company of a complete liquidation or dissolution of the Company; or 

(e) An acquisition by an individual, entity or group (within the meaning of Section 13(d)(3) or 14(d)(2) of the Securities Exchange
Act of 1934, as amended (“Exchange Act”)) of beneficial ownership (within the meaning of Rule 13d-3 promulgated under the Exchange Act) of 50% or more of either the then outstanding shares (“Outstanding Company Stock”), or the
combined voting power of the then outstanding voting securities of the Company entitled to vote generally in the election of directors (“Outstanding Company Voting Securities”), excluding, however, the following: (i) any acquisition
directly from the Company other than the acquisition by virtue of the exercise of a conversion privilege unless the security being so converted was itself acquired directly from the Company, (ii) any acquisition by the Company or any of its
subsidiaries, or (iii) any acquisition by any employee benefit plan (or related trust) sponsored or maintained by the Company or any of its subsidiaries; or 

(f) Approval by the Board of Directors of the Company of a resolution that a Change in Control has occurred. 

Notwithstanding the foregoing, a “Change in Control” shall not be deemed to have occurred by virtue of the consummation of any transaction or
series of integrated transactions immediately following which the recordholders of the common stock of the Company immediately prior to such transaction or series of transactions continue to have substantially the same proportionate ownership in an
entity which owns all or substantially all of the assets of the Company immediately following such transaction or series of transactions. 
  

	1.07.	Code 

 Code means
the Internal Revenue Code of 1986, and any amendments thereto. 
  

	1.08.	Committee 

Committee means the Compensation Committee of the Board. 
  

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2006 Equity Incentive Plan 
  

	1.09.	Common Stock 

Common Stock means the common stock of the Company. 

 

	1.10.	Company 

 Company
means Monarch Financial Holdings, Inc. 
  

	1.11.	Control Change Date 

Control Change Date means the date on which a Change in Control occurs. If a Change in Control occurs on account of a series of
transactions, the Control Change Date is the date of the last of such transactions. 
  

	1.12.	Corresponding SAR 

Corresponding SAR means an SAR that is granted in relation to a particular Option and that can be exercised only upon the surrender to
the Company, unexercised, of that portion of the Option to which the SAR relates. 
  

	1.13.	Exchange Act 

Exchange Act means the Securities Exchange Act of 1934, as amended from time to time. 

 

	1.14.	Fair Market Value 

Fair Market Value means, on any given date, the reported “closing” price of a share of Common Stock on the NASDAQ
National Market System or the Principal Stock Exchange on which the Common Stock is traded, or if the Common Stock was not so traded on such day, then on the next preceding day that the Common Stock was so traded. 

 

	1.15.	Incentive Stock Option 

Incentive Stock Option means an Option which qualifies and is intended to quality as an Incentive Stock Option under Section 422 of
the Code. 
  

	1.16.	Initial Value 

Initial Value means, with respect to a Corresponding SAR, the option price per share of the related Option and, with respect to an SAR
granted independently of an Option, the price per share of Common Stock as determined by the Administrator on the date of the grant; provided, however, that the price per share of Common Stock encompassed by the grant if an SAR shall not be less
than Fair Market Value on the date of grant. Except for an adjustment authorized under Article XI, the Initial Value may not be reduced (by amendment or cancellation of the sale or otherwise) after the date of grant. 

 

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2006 Equity Incentive Plan 
  

	1.17.	Non-Qualified Stock Option 

Non-Qualified Stock Option means an Option other than an Incentive Stock Option. 

 

	1.18.	Option 

 Option
means a stock option that entitles the holder to purchase from the Company a stated number of shares of Common Stock at the price set forth in an Agreement. 
  

	1.19.	Participant 

Participant means an employee of the Company or a Subsidiary, a member of the Board or the board of directors of a Subsidiary or any
consultant or advisor to the Company or a Subsidiary who satisfies the requirements of Article IV and is selected by the Administrator to receive an Award. 
  

	1.20.	Performance Criteria 

Performance Criteria means one or more of (a) cash flow and/or free cash flow (before or after dividends), (b) earnings per
share as defined by the Company, (c) EBITDA (as defined by the Company), (d) the price of Common Stock, (e) return on equity, (f) total shareholder return, (g) return on capital (including return on total capital or return
on invested capital), (h) return on assets or net assets, (i) market capitalization, (j) total enterprise value (market capitalization plus debt), (k) economic value added (or equivalent metric), (l) debt leverage (debt to
capital), (m) revenue, (n) income (including net income, operating income, pre or after-tax income or income from continuing operations), (o) operating profit or net operating profit, (p) operating margin or profit margin,
(q) return on operating revenue, (r) cash from operations, (s) operating ratio, (t) cash flow per share, (u) market share (v) subscriber growth (on a gross or net basis), (w) churn, (x) capital expenditures,
and (y) expense levels. Measurement of Performance Criteria against goals excludes the impact of charges for restructurings, discontinued operations, extraordinary items, and other unusual or non-recurring items, and the cumulative effects of
accounting changes, each as defined by Generally Accepted Accounting Principles and as identified in the financial statements or Management’s Discussion and Analysis in the Annual Report. Performance Criteria may be established on a
Company-wide basis, with respect to one or more business units, divisions or subsidiaries; and in either absolute terms or relative to the performance of one or more comparable companies or an index covering multiple companies. 

 

	1.21.	Performance Shares 

Performance Shares means an Award, in the amount determined by the Administrator and specified in an Agreement, stated with reference to
a specified number of shares of Common Stock or Stock Units, that entitles the holder to receive a payment for each specified share equal to the Fair Market Value of Common Stock on the date of payment. 

 

	1.22.	Plan 

 Plan means
the Monarch Financial Holdings, Inc. 2006 Equity Incentive Plan. 
  

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2006 Equity Incentive Plan 
  

	1.23.	SAR 

 SAR means a
stock appreciation right that entitles the holder to receive, with respect to each share of Common Stock encompassed by the exercise of such SAR, the excess, if any, of the Fair Market Value at the time of exercise over the Initial Value. References
to “SARs” include both Corresponding SARs and SARs granted independently of Options, unless the context requires otherwise. 
  

	1.24.	Stock Award 

Stock Award means Common Stock or Stock Units awarded to a Participant under Article VIII, including shares issued in settlement of
benefit obligations under the Company’s incentive compensation or deferral plan or any successor thereto. 
  

	1.25.	Stock Unit 

 Stock
Unit means an Award, in the amount determined by the Administrator and specified in an Agreement, stated with reference to a specified number of shares of Common Stock, that entitles the holder to receive a payment for each Stock Unit equal to the
Fair Market Value of a share of Common Stock on the date of payment. To the extent provided in an Agreement, each Stock Unit Award shall be adjusted (from the date of grant to the date of payment), to reflect the payment of dividends on the
comparable number of shares of Common Stock and the adjustment shall be in the form of additional Stock Units as if such dividends had been invested in Common Stock on the dividend payment date. 

 

	1.26.	Subsidiary 

Subsidiary means a corporation, partnership, joint venture, unincorporated association or other entity in which the Company has a direct
or indirect ownership or other equity interest that represents, directly or indirectly, more than 50 percent of the total combined voting power represented by all classes of stock or other ownership or equity interest units issued by such
corporation, partnership, joint venture, unincorporated association or other entity. 
 ARTICLE II 

PURPOSES 

The Plan is intended to assist the Company and its Subsidiaries in recruiting and retaining individuals with ability and initiative by
enabling such persons to participate in the future success of the Company and its Subsidiaries and to associate their interests with those of the Company and its shareholders. The Plan is intended to permit the grant of Options, SARs, Stock Awards,
Stock Units and Performance Shares. No Option that is intended to be an Incentive Stock Option shall be invalid for failure to quality as an Incentive Stock Option. The proceeds received by the Company from the sale of Common Stock pursuant to this
Plan shall be used for general corporate purposes. 
  

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2006 Equity Incentive Plan 
  

 ARTICLE III 

ADMINISTRATION 

The Plan shall be administered by the Administrator. The Administrator shall have authority to grant Awards, upon such terms (not
inconsistent with the provisions of this Plan), as the Administrator may consider appropriate. Such terms may include conditions (in addition to those contained in this Plan) on the exercisability of all or any part of an Option or SAR or on the
transferability or forfeitability of a Stock Award, Stock Unit or an award of Performance Shares, including by way of example and not of limitation, requirements that the Participant complete a specified period of employment or service with the
Company or a Subsidiary, requirements that the Company achieve a specified level of financial performance or that the Company achieve a specified level of financial return. Notwithstanding any such conditions, the Administrator may, in its
discretion, accelerate the time at which any Option or SAR may be exercised, or the time at which a Stock Award may become transferable or nonforfeitable or both, or the time at which an award of Performance Shares or Stock Unit may be settled. In
addition, the Administrator shall have complete authority to interpret all provisions of this Plan; to prescribe the form of Agreements; to adopt, amend, and rescind rules and regulations pertaining to the administration of the Plan; and to make all
other determinations necessary or advisable for the administration of this Plan. The express grant in the Plan of any specific power to the Administrator shall not be construed as limiting any power or authority of the Administrator. Any decision
made, or action taken, by the Administrator in connection with the administration of this Plan shall be final and conclusive. Neither the Administrator nor any member of the Committee shall be liable for any act done in good faith with respect to
this Plan or any Agreement or Award. All expenses of administering this Plan shall be borne by the Company, a Subsidiary or a combination thereof. 

The Committee, in its discretion, may delegate to one or more officers of the Company all or part of the Committee’s authority and
duties with respect to grants and awards to individuals who are not subject to the reporting and other provisions of Section 16 of the Exchange Act. The Committee may revoke or amend the terms of a delegation at any time but such action shall
not invalidate any prior actions of the Committee’s delegate or delegates that were consistent with the terms of the Plan. 

ARTICLE IV 

ELIGIBILITY 

Any employee of the Company, any member of the Board, any employee or director of a Subsidiary (including a corporation that becomes a
Subsidiary after the adoption of this Plan) or any consultant or advisor to the Company or a Subsidiary is eligible to participate in this Plan if the Administrator, in its sole discretion, determines that such person has contributed or can be
expected to contribute to the profits or growth of the Company or a Subsidiary. 
  

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2006 Equity Incentive Plan 
  

 ARTICLE V 

STOCK SUBJECT TO PLAN 
  

	5.01.	Shares Issued 

Upon the Award of shares of Common Stock pursuant to a Stock Award or in settlement of an Award of Performance Shares or Stock Units, the
Company may issue shares of Common Stock from its authorized but unissued Common Stock. Upon the exercise of any Option or SAR the Company may deliver to the Participant (or the Participant’s broker if the Participant so directs), shares of
Common Stock from its authorized but unissued Common Stock. 
  

	5.02.	Aggregate Limit 

The maximum aggregate number of shares of Common Stock that may be issued under this Plan, pursuant to the exercise of SARs and Options,
the grant of Stock Awards and the settlement of Performance Shares and Stock Units is 420,000 shares plus any shares of Common Stock remaining available for grant under the Monarch Bank 1999 Incentive Stock Option Plan (the “Prior Plan”)
on the effective date of the Plan. The maximum aggregate number of shares that may be issued under this Plan shall be subject to adjustment as provided in Article XI. 
  

	5.03.	Reallocation of Shares 

(a) If any shares of Common Stock subject to an Award or to an award under the Prior Plan are forfeited, expire or otherwise terminate
without the issuance of shares of Common Stock or any Award under the Prior Plan is settled for cash or otherwise does not result in the issuance of all or a portion of the shares of Common Stock subject to such Award or award under the Prior Plan,
the shares of Common Stock shall, to the extent of such forfeiture, expiration, termination, cash settlement or non-issuance, again be available for Awards under the Plan. 

(b) If shares of Common Stock are surrendered either actually or by attestation or withheld (i) pursuant to the exercise of an
Option or other Award under the Plan or award under the Prior Plan or (ii) in satisfaction of tax withholding requirements with respect to Awards under the Plan or awards under the Prior Plan, the number of shares surrendered or withheld may be
reallocated to other Awards to be granted under this Plan. 
 ARTICLE VI 

OPTIONS 
  

	6.01.	Award 

 In
accordance with the provisions of Article IV, the Administrator will designate each individual to whom an Option is to be granted and will specify the number of shares of Common Stock covered by each such Award. 

 

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2006 Equity Incentive Plan 
  

	6.02.	Option Price 

 The
price per share for Common Stock purchased on the exercise of an Option shall be determined by the Administrator on the date of grant, but shall not be less than the Fair Market Value on the date the Option is granted. Except for an adjustment
authorized under Article XII, the Option price may not be reduced (by amendment or cancellation of the Option or otherwise) after the date of grant. 
  

	6.03.	Maximum Option Period 

The maximum period in which an Option may be exercised shall be ten years from the date such Option was granted. The terms of any Option
may provide that it has a term that is less than such maximum period. 
  

	6.04.	Nontransferability 

Except as provided in Section 6.05, each Option granted under this Plan shall be nontransferable except by will or by the laws of
descent and distribution. In the event of any transfer of an Option (by the Participant or his transferee), the Option and any Corresponding SAR that relates to such Option must be transferred to the same person or persons or entity or entities.
Except as provided in Section 6.05, during the lifetime of the Participant to whom the Option is granted, the Option may be exercised only by the Participant. No right or interest of a Participant in any Option shall be liable for, or subject
to, any lien, obligation, or liability of such Participant. 
  

	6.05.	Transferable Options 

Section 6.04 to the contrary notwithstanding, if the Agreement provides, a Non-Qualified Stock Option may be transferred by a
Participant to the Participant’s immediate family members, one or more trusts for the benefit of such family members or a partnership in which such family members are the only partners, on such terms and conditions as may be permitted under
Securities Exchange Commission Rule 16b-3 as in effect from time to time. The holder of an Option transferred pursuant to this Section must agree in writing to be bound by the same terms and conditions that governed the Option during the period that
it was held by the Participant; provided, however, that such transferee may not transfer the Option except by will or the laws of descent and distribution. In the event of any transfer of an Option (by the Participant or his transferee), the Option
and any Corresponding SAR that relates to such Option must be transferred to the same person or persons or entity or entities. 
  

	6.06.	Employee Status 

For purposes of determining the applicability of Section 422 of the Code (relating to Incentive Stock Options), or in the event that
the terms of any Option provide that it may be exercised only during employment or continued service or within a specified period of time after termination of employment or service, the Administrator may decide to what extent leaves of

  

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2006 Equity Incentive Plan 
  

 
absence for governmental or military service, illness, temporary disability, or other reasons shall not be deemed interruptions of continuous employment or service. 

 

	6.07.	Exercise 

 Subject
to the provisions of this Plan and the applicable Agreement, an Option may be exercised in whole at any time or in part from time to time at such times and in compliance with such requirements as the Administrator shall determine; provided, however,
that Incentive Stock Options (granted under the Plan and all plans of the Company and its related entities) may not be first exercisable in a calendar year for stock having a Fair Market Value (determined as of the date an Option is granted)
exceeding the limit prescribed by Section 422(d) of the Code. To the extent any Option exceeds this limit, it shall constitute a Non-Qualified Stock Option. An Option granted under this Plan may be exercised with respect to any number of whole
shares less than the full number for which the Option could be exercised. A partial exercise of an Option shall not affect the right to exercise the Option from time to time in accordance with this Plan and the applicable Agreement with respect to
the remaining shares subject to the Option. The exercise of an Option shall result in the termination of any Corresponding SAR to the extent of the number of shares with respect to which the Option is exercised. 

 

	6.08.	Payment 

 Unless
otherwise provided by the Agreement, payment of the Option price shall be made in cash or a cash equivalent acceptable to the Administrator or to the extent permitted under the Agreement, by a cashless exercise through a securities broker. Subject
to rules established by the Administrator, payment of all or part of the Option price may be made with shares of Common Stock which have been owned by the Participant. If Common Stock is used to pay all or part of the Option price, the sum of the
cash and cash equivalent and the Fair Market Value (determined as of the day preceding the date of exercise) of the shares surrendered must not be less than the Option price of the shares for which the Option is being exercised. 

 

	6.09.	Shareholder Rights 

No Participant shall have any rights as a shareholder with respect to shares subject to his Option until the date of exercise of such
Option. 
  

	6.10.	Disposition of Stock 

A Participant shall notify the Company of any sale or other disposition of Common Stock acquired pursuant to an Option that was an
Incentive Stock Option if such sale or disposition occurs (i) within two years of the grant of an Option or (ii) within one year of the issuance of the Common Stock the Participant. Such notice shall be in writing and directed to the
Secretary of the Company. 
  

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2006 Equity Incentive Plan 
  

 ARTICLE VII 

SARS 
  

	7.01.	Award 

 In
accordance with the provisions of Article IV, the Administrator will designate each individual to whom SARs are to be granted and will specify the number of shares covered by each such Award. For purposes of the foregoing limit, an Option and
Corresponding SAR shall be treated as a single Award. In addition, no Participant may be granted Corresponding SARs (under all Incentive Stock Option plans of the Company and its Affiliates) that are related to Incentive Stock Options which are
first exercisable in any calendar year for stock having an aggregate Fair Market Value (determined as of the date the related Option is granted) that exceeds the limit prescribed by Section 422(d) of the Code. 

 

	7.02.	Maximum SAR Period 

The maximum period in which an SAR may be exercised shall be ten years from the date such SAR was granted provided, however, that a
Corresponding SAR granted to a Ten Percent Shareholder and related to an Incentive Stock Option shall not be exercisable after the expiration of five years from the date such SAR was granted. The terms of any SAR may provide that it has a term that
is less than such maximum period. 
  

	7.03.	Nontransferability 

Except as provided in Section 7.04, each SAR granted under this Plan shall be nontransferable except by will or by the laws of
descent and distribution. In the event of any such transfer, a Corresponding SAR and the related Option must be transferred to the same person or persons or entity or entities. Except as provided in Section 7.04, during the lifetime of the
Participant to whom the SAR is granted, the SAR may be exercised only by the Participant. No right or interest of a Participant in any SAR shall be liable for, or subject to, any lien, obligation, or liability of such Participant. 

 

	7.04.	Transferable SARs 

Section 7.03 to the contrary notwithstanding, if the Agreement provides, an SAR, other than a Corresponding SAR that is related to
an Incentive Stock Option, may be transferred by a Participant to the Participant’s immediate family members, one or more trusts for the benefit of such family members or a partnership in which such family members are the only partners, on such
terms and conditions as may be permitted under Securities Exchange Commission Rule 16b-3 as in effect from time to time. The holder of an SAR transferred pursuant to this Section must agree in writing to be bound by the same terms and conditions
that governed the SAR during the period that it was held by the Participant; provided, however, that such transferee may not transfer the SAR except by will or the laws of descent and distribution. In the event of any transfer of a Corresponding SAR
(by the Participant or his transferee), the Corresponding SAR and the related Option must be transferred to the same person or persons or entity or entities. 
  

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2006 Equity Incentive Plan 
  

	7.05.	Exercise 

 Subject
to the provisions of this Plan and the applicable Agreement, an SAR may be exercised in whole at any time or in part from time to time at such times and in compliance with such requirements as the Administrator shall determine. An SAR granted under
this Plan may be exercised with respect to any number of whole shares less than the full number for which the SAR could be exercised. A partial exercise of an SAR shall not affect the right to exercise the SAR from time to time in accordance with
this Plan and the applicable Agreement with respect to the remaining shares subject to the SAR. The exercise of a Corresponding SAR shall result in the termination of the related Option to the extent of the number of shares with respect to which the
SAR is exercised. 
  

	7.06.	Employee Status 

If the terms of any SAR provide that it may be exercised only during employment or continued service or within a specified period of time
after termination of employment or service, the Administrator may decide to what extent leaves of absence for governmental or military service, illness, temporary disability or other reasons shall not be deemed interruptions of continuous employment
or service. 
  

	7.07.	Settlement 

 At
the Administrator’s discretion, the amount payable as a result of the exercise of an SAR may be settled in cash, Common Stock, or a combination of cash and Common Stock. No fractional share will be deliverable upon the exercise of an SAR but a
cash payment will be made in lieu thereof. 
  

	7.08.	Shareholder Rights 

No Participant shall, as a result of receiving an SAR, have any rights as a shareholder of the Company until the date that the SAR is
exercised and then only to the extent that the SAR is settled by the issuance of Common Stock. 
 ARTICLE VIII 

STOCK AWARDS 
  

	8.01.	Award 

 In
accordance with the provisions of Article IV, the Administrator will designate each individual to whom a Stock Award is to be made and will specify the number of shares of Common Stock covered by each such Award. 

 

	8.02.	Vesting 

 The
Administrator, on the date of the Award, may prescribe that a Participant’s rights in a Stock Award shall be forfeitable or otherwise restricted for a period of time or subject to such 

 

 11 

 MONARCH FINANCIAL HOLDINGS, INC. 

2006 Equity Incentive Plan 
  

 
conditions as may be set forth in the Agreement. By way of example and not of limitation, the restrictions may postpone transferability of the shares or may provide that the shares will be
forfeited if the Participant separates from the service of the Company and its Subsidiaries before the expiration of a stated period. The Administrator, in its discretion, may waive the requirements for vesting or transferability for all or part of
the shares subject to a Stock Award in connection with a Participant’s termination of employment or service. 
  

	8.03.	Employee Status 

In the event that the terms of any Stock Award provide that shares may become transferable and nonforfeitable thereunder only after
completion of a specified period of employment or service, the Administrator may decide in each case to what extent leaves of absence for governmental or military service, illness, temporary disability, or other reasons shall not be deemed
interruptions of continuous employment or service. 
  

	8.04.	Shareholder Rights 

Prior to their forfeiture (in accordance with the applicable Agreement and while the shares of Common Stock granted pursuant to the Stock
Award may be forfeited or are nontransferable), a Participant will have all the rights of a shareholder with respect to a Stock Award, including the right to receive dividends and vote the shares; provided, however, that during such period
(i) a Participant may not sell, transfer, pledge, exchange, hypothecate, or otherwise dispose of shares of Common Stock granted pursuant to a Stock Award, (ii) the Company shall retain custody of the certificates evidencing shares of
Common Stock granted pursuant to a Stock Award, and (iii) the Participant will deliver to the Company a stock power, endorsed in blank, with respect to each Stock Award. The limitations set forth in the preceding sentence shall not apply after
the shares of Common Stock granted under the Stock Award are transferable and are no longer forfeitable. 
 ARTICLE IX 

 PERFORMANCE SHARE AWARDS 
  

	9.01.	Award 

 In
accordance with the provisions of Article IV, the Administrator will designate each individual to whom an Award of Performance Shares is to be made and will specify the number of shares of Common Stock covered by each such Award. 

 

	9.02.	Earning the Award 

The Administrator, on the date of the grant of an Award, shall prescribe that the Performance Shares, or a portion thereof, will be
earned, and the Participant will be entitled to receive payment pursuant to the Award of Performance Shares, only upon the satisfaction of performance objectives or such other criteria as may be prescribed by the Administrator and set forth in the
Agreement. The restrictions set forth in the Agreement must include the attainment 
  

 12 

 MONARCH FINANCIAL HOLDINGS, INC. 

2006 Equity Incentive Plan 
  

 
of performance objectives, including performance objectives stated with reference to Performance Criteria; provided, however, that such restrictions shall not apply in the case of a Stock Award
granted in connection with the settlement of Performance Shares, Stock Awards or an or in the case of a substitute Award pursuant to Article XI. By way of example and not of limitation, the performance objectives or other criteria may provide that
the Performance Shares will be earned only if the Participant remains in the employ or service of the Company or a Subsidiary for a stated period and that the Company, a Subsidiary, the Company and its Subsidiaries or the Participant achieve stated
objectives. Notwithstanding the preceding sentences of this Section 9.02, the Administrator, in its discretion, may reduce the duration of the performance period and may adjust the performance objectives for outstanding Performance Shares in
connection with a Participant’s termination of employment or service. 
  

	9.03.	Payment 

 In the
discretion of the Administrator, the amount payable when an Award of Performance Shares is earned may be settled in cash, by the issuance of Common Stock, grant of Stock Units or a combination of cash, Common Stock and/or Stock Units. A fractional
share shall not be deliverable when an Award of Performance Shares is earned, but a cash payment will be made in lieu thereof. 
  

	9.04.	Shareholder Rights 

No Participant shall, as a result of receiving an Award of Performance Shares, have any rights as a shareholder until and to the extent
that the Award of Performance Shares is earned and settled by the issuance of Common Stock. After an Award of Performance Shares is earned, if settled completely or partially in Common Stock, a Participant will have all the rights of a shareholder
with respect to such Common Stock. 
  

	9.05.	Nontransferability 

Except as provided in Section 9.06, Performance Shares granted under this Plan shall be nontransferable except by will or by the
laws of descent and distribution. No right or interest of a Participant in any Performance Shares shall be liable for, or subject to, any lien, obligation, or liability of such Participant. 

 

	9.06.	Transferable Performance Shares 

Section 9.05 to the contrary notwithstanding, if the Agreement provides, an Award of Performance Shares may be transferred by a
Participant to the Participant’s immediate family members, one or more trusts for the benefit of such family members or a partnership in which such family members are the only partners, on such terms and conditions as may be permitted under
Securities Exchange Commission Rule 16b-3 as in effect from time to time. The holder of Performance Shares transferred pursuant to this Section must agree in writing to be bound by the same terms and conditions that governed the Performance Shares
during the period that they were held by the Participant; provided, however that such transferee may not transfer Performance Shares except by will or the laws of descent and distribution. 

 

 13 

 MONARCH FINANCIAL HOLDINGS, INC. 

2006 Equity Incentive Plan 
  

	9.07.	Employee Status 

In the event that the terms of any Performance Share Award provide that no payment will be made unless the Participant completes a stated
period of employment or service, the Administrator may decide to what extent leaves of absence for government or military service, illness, temporary disability, or other reasons shall not be deemed interruptions of continuous employment or service.

 ARTICLE X 

STOCK UNITS 
  

	10.01.	Award 

 In
accordance with the provisions of Article IV, the Administrator will designate each individual to whom an Award of Stock Units is to be made and will specify the number of Stock Units covered by such Awards. 

 

	10.02.	Earning the Award 

The Administrator, on the date of grant of the Award, may prescribe that the Stock Units or a portion thereof, will be earned only upon,
and the Participant will be entitled to receive a payment pursuant to the Award of Stock Units, only upon the satisfaction of performance objectives or such other criteria as may be prescribed by the Administrator and set forth in the Agreement. By
way of example and not of limitation, the Performance Criteria or other criteria may provide that the Stock Units will be earned only if the Participant remains in the employ or service of the Company or a Subsidiary for a stated period or that the
Company, a Subsidiary, the Company and its Subsidiaries or the Participant achieve stated objectives including performance objectives stated with reference to Performance Criteria. Notwithstanding the preceding sentences of this Section 10.02,
the Administrator, in its discretion, may reduce the duration of the performance period and may adjust the performance objectives for outstanding Stock Units in connection with a Participant’s termination of employment or service. 

 

	10.03.	Payment 

 In
accordance with the Agreement, the amount payable when an award of Stock Units is earned may be settled in cash, Common Stock or a combination of cash and Common Stock. A fractional share shall not be deliverable when an Award of Stock Units is
earned, but a cash payment will be made in lieu thereof. 
  

	10.04.	Nontransferability 

	

 A Participant may not sell, transfer, pledge, exchange, hypothecate, or
otherwise dispose of a Stock Unit Award other than by will or the laws of descent and distribution. The limitations set forth in the preceding sentence shall not apply to Common Stock issued as payment pursuant to a Stock Unit Award. 

 

 14 

 MONARCH FINANCIAL HOLDINGS, INC. 

2006 Equity Incentive Plan 
  

	10.05.	Shareholder Rights 

No Participant shall, as a result of receiving a Stock Unit Award, have any rights as a shareholder of the Company or Subsidiary until
and to the extent that the Stock Units are earned and settled in shares of Common Stock. After Stock Units are earned and settled in shares of Common Stock, a Participant will have all the rights of a shareholder with respect to such shares.

 ARTICLE XI 

ADJUSTMENT UPON CHANGE IN COMMON STOCK 

The maximum number of shares as to which Awards may be granted under this Plan and the terms of outstanding Awards shall be adjusted as
the Committee shall determine to be equitably required in the event that (a) the Company (i) effects one or more stock dividends, stock split-ups, subdivisions or consolidations of shares or (ii) engages in a transaction to which
Section 424 of the Code applies, (b) there occurs any other event which, in the judgment of the Committee necessitates such action. Any such adjustment of outstanding Options or SAR must satisfy the requirements of Treasury Regulation
1.424-1 and section 409A of the Code. Any determination made under this Article XI by the Committee shall be final and conclusive. 

The issuance by the Company of shares of stock of any class, or securities convertible into shares of stock of any class, for cash or
property, or for labor or services, either upon direct sale or upon the exercise of rights or warrants to subscribe therefore, or upon conversion of shares or obligations of the Company convertible into such shares or other securities, shall not
affect, and no adjustment by reason thereof shall be made with respect to, the maximum number of shares as to which Awards may be granted, or the terms of outstanding Awards. 

The Committee may make Awards in substitution for performance shares, phantom shares, stock awards, stock options, stock appreciation
rights, or similar awards held by an individual who becomes an employee of the Company or a Subsidiary in connection with a transaction or event described in the first paragraph of this Article XI. Notwithstanding any provision of the Plan (other
than the limitation of Section 5.02), the terms of such substituted Awards shall be as the Committee, in its discretion, determines is appropriate. 

ARTICLE XII 

COMPLIANCE WITH LAW AND APPROVAL OF REGULATORY BODIES 

No Option or SAR shall be exercisable, no Common Stock shall be issued, no certificates for shares of Common Stock shall be delivered,
and no payment shall be made under this Plan except in compliance with all applicable federal and state laws and regulations (including, without limitation, withholding tax requirements), any listing agreement to which the Company is a party, and
the rules of all domestic stock exchanges on which the Company’s shares may be listed. The Company shall have the right to rely on an opinion of its counsel as to such compliance. Any share certificate issued to evidence Common Stock when a
Stock Award is granted, a Performance Share or Stock Unit is settled or for which an Option or SAR is exercised 
  

 15 

 MONARCH FINANCIAL HOLDINGS, INC. 

2006 Equity Incentive Plan 
  

 
may bear such legends and statements as the Administrator may deem advisable to assure compliance with federal and state laws and regulations. No Option or SAR shall be exercisable, no Stock
Award, Stock Unit or Performance Share shall be granted, no Common Stock shall be issued, no certificate for shares shall be delivered, and no payment shall be made under this Plan until the Company has obtained such consent or approval as the
Administrator may deem advisable from regulatory bodies having jurisdiction over such matters. 
 ARTICLE XIII 

GENERAL PROVISIONS 
  

	13.01.	Effect on Employment and Service 

Neither the adoption of this Plan, its operation, nor any documents describing or referring to this Plan (or any part thereof), shall
confer upon any individual any right to continue in the employ or service of the Company or a Subsidiary or in any way affect any right or power of the Company or a Subsidiary to terminate the employment or service of any individual at any time with
or without assigning a reason therefore. 
  

	13.02.	Unfunded Plan 

The Plan, insofar as it provides for grants, shall be unfunded, and the Company shall not be required to segregate any assets that may at
any time be represented by grants under this Plan. Any liability of the Company to any person with respect to any grant under this Plan shall be based solely upon any contractual obligations that may be created pursuant to this Plan. No such
obligation of the Company shall be deemed to be secured by any pledge of, or other encumbrance on, any property of the Company. 
  

	13.03.	Rules of Construction 

Headings are given to the articles and sections of this Plan solely as a convenience to facilitate reference. The reference to any
statute, regulation, or other provision of law shall be construed to refer to any amendment to or successor of such provision of law. 
  

	13.04.	Tax Withholding 

Each Participant shall be responsible for satisfying any income and employment tax withholding obligation attributable to participation
in this Plan. In accordance with procedures established by the Administrator, a Participant may surrender shares of Common Stock, or receive fewer shares of Common Stock than otherwise would be issuable, in satisfaction of all or part of that
obligation. 
  

	13.05.	Change in Control 

At the discretion of the Committee and in accordance with the Agreement, a Participant’s interest in a Stock Award, Performance
Share or Stock Unit may be made nonforfeitable and transferable as of a Change of Control Date, and that a grant of an Option or SAR may be exercised immediately in full upon a Change of Control. 

 

 16 

 MONARCH FINANCIAL HOLDINGS, INC. 

2006 Equity Incentive Plan 
  

 ARTICLE XIV 

AMENDMENT 

The Board may amend or terminate this Plan from time to time; provided, however, that no amendment may become effective until shareholder
approval is obtained if (i) the amendment increases the aggregate number of shares of Common Stock that may be issued under the Plan (other than an adjustment pursuant to Article XI) or (ii) the amendment changes the class of individuals
eligible to become Participants. No amendment shall, without a Participant’s consent, adversely affect any rights of such Participant under any Award outstanding at the time such amendment is made. 

ARTICLE XV 

DURATION OF PLAN 

No Award may be granted under this Plan more than ten years after the earlier of the date the Plan is adopted by the Board or the date
that the Plan is approved in accordance with Article XVI. Awards granted before that date shall remain valid in accordance with their terms. 

ARTICLE XVI 

EFFECTIVE DATE OF PLAN 

Options, SARs, Stock Units and Performance Shares may be granted under this Plan upon its adoption by the Board, provided that no Option,
SAR, Stock Units or Performance Shares shall be effective or exercisable unless this Plan is approved by a majority of the votes cast by the Company’s shareholders, voting either in person or by proxy, at a duly held shareholders’ meeting
at which a quorum is present or by unanimous consent. Stock Awards may be granted under this Plan, upon the later of its adoption by the Board or its approval by shareholders in accordance with the preceding sentence. 

 

 17Supplemental Indenture No. 6, dated as of June 21, 2010

 Exhibit 4.1 

GENWORTH FINANCIAL, INC. 

AND 

THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., 

as Trustee 
  

 
 SUPPLEMENTAL
INDENTURE NO. 6 
 Dated as of June 24, 2010 

 
  

 THIS SUPPLEMENTAL INDENTURE No. 6 (this “Supplemental Indenture
No. 6”), dated as of June 24, 2010, is between GENWORTH FINANCIAL, INC., a Delaware corporation (the “Company”), and THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. (as successor to JPMorgan Chase Bank, N.A.), a
national banking association, as Trustee (the “Trustee”). 
 R E C I T A L S 

WHEREAS, the Company has heretofore executed and delivered to the Trustee an Indenture dated as of June 15, 2004 (the “Base
Indenture”) and Supplemental Indenture No. 1 dated as of June 15, 2004 (the “First Supplemental Indenture”), Supplemental Indenture No. 2 dated as of September 19, 2005 (the “Second Supplemental
Indenture”), Supplemental Indenture No. 3 dated as of June 12, 2007 (the “Third Supplemental Indenture”), Supplemental Indenture No. 4 dated as of May 22, 2008 (the “Fourth Supplemental
Indenture”) and Supplemental Indenture No. 5 dated as of December 8, 2009 (the “Fifth Supplemental Indenture”), each between the Company and the Trustee (the Base Indenture, together with the First Supplemental
Indenture, the Second Supplemental Indenture, the Third Supplemental Indenture, the Fourth Supplemental Indenture, the Fifth Supplemental Indenture and this Supplemental Indenture No. 6, the “Indenture”), providing for the
issuance from time to time of series of the Company’s Securities; 
 WHEREAS, Section 10.01(d) of the Base Indenture
provides for the Company and the Trustee to enter into an indenture supplemental to the Base Indenture to establish the forms or terms of Securities of any series as permitted by Section 2.01 or Section 2.02 of the Base Indenture;

 WHEREAS, pursuant to Section 2.02 of the Base Indenture, the Company wishes to provide for the issuance of a new series
of Securities to be known as its 7.700% Senior Notes due 2020 (the “Notes”), the form and terms of such Notes and the terms, provisions and conditions thereof to be set forth as provided in this Supplemental Indenture No. 6;
and 
 WHEREAS, the Company has requested that the Trustee execute and deliver this Supplemental Indenture No. 6 and all
requirements necessary to make this Supplemental Indenture No. 6 a valid, binding and enforceable instrument in accordance with its terms, and to make the Notes, when executed by the Company and authenticated and delivered by the Trustee, the
valid, binding and enforceable obligations of the Company, have been done and performed, and the execution and delivery of this Supplemental Indenture No. 6 has been duly authorized in all respects; 

 

 1 

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

ARTICLE 1 

DEFINITIONS 

Section 1.01. Relation to Base Indenture. This Supplemental Indenture No. 6 constitutes an integral part of the
Base Indenture. 
 Section 1.02. Definition Of Terms. For all purposes of this Supplemental Indenture
No. 6: 
 (a) Capitalized terms used herein without definition shall have the meanings set forth in the Base
Indenture; 
 (b) a term defined anywhere in this Supplemental Indenture No. 6 has the same meaning throughout;

 (c) the singular includes the plural and vice versa; 

(d) headings are for convenience of reference only and do not affect interpretation; 

(e) the following terms have the meanings given to them in this Section 1.02(e): 

“Business Day” shall mean, unless otherwise specified, any calendar day that is not a Saturday, Sunday or legal holiday
in New York, New York and on which commercial banks are open for business in New York, New York. 
 “Comparable Treasury
Issue” shall mean the United States Treasury security selected by an Independent Investment Banker as having a maturity comparable to the remaining term (“Remaining Life”) of the Notes to be redeemed that would be utilized,
at the time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities of comparable maturity to the remaining term of such Notes. 

“Comparable Treasury Price” shall mean, with respect to any Redemption Date, (A) the average of the Reference
Treasury Dealer Quotations for such Redemption Date, after excluding the highest and lowest such Reference Treasury Dealer Quotations, or (B) if the Independent Investment Banker obtains fewer than three such Reference Treasury Dealer
Quotations, the average of all such Quotations or, if only one such Quotation is obtained, such Quotation. 
  

 2 

 “Global Note” shall have the meaning set forth in Section 2.04.

 “Independent Investment Banker” shall mean an independent investment banking institution of national
standing appointed by the Company, which may be one of the Reference Treasury Dealers. 
 “Interest Payment
Date” shall have the meaning set forth in Section 2.05(b). 
 “Maturity Date” shall have the
meaning set forth in Section 2.02. 
 “Record Date” shall mean, with respect to any Interest Payment Date
for the Notes, the first day, whether or not a Business Day, of the calendar month in which such Interest Payment Date falls. 

“Redemption Date” shall mean, with respect to any redemption of Notes, the date fixed for such redemption pursuant to
the Indenture and such Notes. 
 “Reference Treasury Dealer” shall mean (i) each of Banc of America
Securities LLC, Credit Suisse Securities (USA) LLC, Goldman, Sachs & Co. and UBS Securities LLC and their respective successors, provided, however, that if any of the foregoing shall cease to be a primary U.S. government securities
dealer in the United States (a “Primary Treasury Dealer”), the Company will substitute therefor another Primary Treasury Dealer and (ii) any other Primary Treasury Dealer selected by the Company. 

“Reference Treasury Dealer Quotations” shall mean, with respect to each Reference Treasury Dealer and any Redemption
Date, the average, as determined by the Independent Investment Banker, of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as a percentage of its principal amount) quoted in writing to the Independent Investment
Banker by the Reference Treasury Dealer at 5:00 p.m. on the third Business Day preceding such Redemption Date. 

“Treasury Rate” shall mean, with respect to any Redemption Date, (i) the yield, under the heading which represents
the average for the immediately preceding week, appearing in the most recently published statistical release designated “H.15 (519)” or any successor publication which is published weekly by the Board of Governors of the Federal Reserve
System and which establishes yields on actively traded United States Treasury securities adjusted to constant maturity under the caption “Treasury Constant Maturities,” for the maturity

  

 3 

 
corresponding to the Comparable Treasury Issue (if no maturity is within three months before or after the Remaining Life, yields for the two published maturities most closely corresponding to the
Comparable Treasury Issue shall be determined and the Treasury Rate shall be interpolated or extrapolated from such yields on a straight line basis, rounding to the nearest month), (ii) if the period from the Redemption Date to the Maturity
Date of the Notes to be redeemed is less than one year, the weekly average yield on actually traded United States Treasury securities adjusted to a constant maturity of one year will be used, or (iii) if such release (or any successor release)
is not published during the week preceding the calculation date or does not contain such yields, the rate per annum equal to the semiannual equivalent yield to maturity of the Comparable Treasury Issue, calculated using a price for the Comparable
Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable Treasury Price for such Redemption Date. The Treasury Rate shall be calculated by the Company on the third Business Day preceding such Redemption Date. The
Trustee shall not be responsible for any such calculation or for the calculation of the related Optional Redemption Price (as defined in Section 3.01). 

The terms “Company,” “Trustee,” “Indenture,” “Base Indenture,” and
“Notes” shall have the respective meanings set forth in the recitals to this Supplemental Indenture No. 6 and the paragraph preceding such recitals. 

ARTICLE 2 

GENERAL TERMS AND CONDITIONS OF THE
NOTES 
 Section 2.01. Designation and Principal Amount. The Notes may be issued from time to
time upon written order of the Company for the authentication and delivery of Notes pursuant to Section 2.03 of the Base Indenture. There is hereby authorized a series of Securities designated as the 7.700% Senior Notes due 2020 limited in
aggregate principal amount to U.S. $400,000,000 (except for Notes authenticated and delivered in accordance with the last paragraph of Section 2.02 of the Base Indenture or upon registration of transfer of, or in exchange for, or in lieu of,
other Notes pursuant to Sections 2.06, 2.07, 2.08, 3.03 or 10.04 of the Base Indenture). 
 Section 2.02.
Maturity. The date upon which the Notes shall become due and payable at final maturity, together with any accrued and unpaid interest, is June 15, 2020 (the “Maturity Date”). 

Section 2.03. Form, Payment and Appointment. Except as provided in Section 2.04, the Notes shall be issued in
fully registered, certificated form. Principal of and interest on the Notes will be payable, the transfer of such Notes will be registrable, and such Notes will be exchangeable for Notes of a like

  

 4 

 
aggregate principal amount, at the office or agency of the Company maintained for such purpose in the Borough of Manhattan, The City of New York, which shall initially be the Principal Office of
the Trustee in the Borough of Manhattan, the City of New York; provided, however, that payment of interest may be made at the option of the Company by check mailed to the Person entitled thereto at such address as shall appear in the Security
register or by wire transfer to an account appropriately designated by the Person entitled to payment; provided, that the paying agent shall have received written notice of such account designation at least five Business Days prior to the
date of such payment (subject to surrender of the relevant Note in the case of a payment of interest on a Redemption Date or the Maturity Date). 

No service charge shall be made for any registration of transfer or exchange of the Notes, but the Company may require payment from the
holder of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection therewith. 
 The
Security registrar and paying agent for the Notes shall initially be the Trustee. 
 The Notes shall be issuable in
denominations of U.S. $2,000 and integral multiples of U.S. $1,000 in excess of $2,000. 
 The Specified Currency of the Notes
shall be U.S. Dollars. 
 Section 2.04. Global Note. The Notes shall be issued initially in the form of a
permanent Global Security in registered form (a “Global Note”), deposited with The Depository Trust Company or such other Depositary as any officer of the Company may from time to time designate. Unless and until such Global Note is
exchanged for Notes in certificated form, such Global Note may be transferred, in whole but not in part, and any payments on the Notes shall be made, only to the Depositary or a nominee of the Depositary, or to a successor Depositary selected or
approved by the Company or to a nominee of such successor Depositary. 
 Section 2.05. Interest.
(a) Interest payable on any Interest Payment Date, the Maturity Date or, if applicable, the Redemption Date, with respect to the Notes shall be the amount of interest accrued from, and including, the immediately preceding Interest
Payment Date in respect of which interest has been paid or duly provided for (or from and including the original issue date of June 24, 2010, if no interest has been paid or duly provided for with respect to the Notes) to, but excluding, such
Interest Payment Date, Maturity Date or, if applicable, Redemption Date, as the case may be (each, an “Interest Period”). 
  

 5 

 (b) The Notes will bear interest at the rate of 7.700% per year from the
original issue date thereof to the Maturity Date. Interest on the Notes shall be payable semi-annually in arrears on June 15 and December 15 of each year (each, an “Interest Payment Date”), commencing December 15,
2010, to the Persons in whose names the relevant Notes are registered at the close of business on the Record Date for such Interest Payment Date, except as provided in Section 2.05(d). 

(c) The amount of interest payable for any full semi-annual Interest Period will be computed on the basis of a 360-day year
consisting of twelve 30-day months. The amount of interest payable for any period shorter than a full semi-annual Interest Period for which interest is computed will be computed on the basis of a 30-day month and, for any period less than a month,
on the basis of the actual number of days elapsed per 30-day month. In the event that any scheduled Interest Payment Date for the Notes falls on a day that is not a Business Day, then payment of interest payable on such Interest Payment Date will be
postponed to the next succeeding day which is a Business Day (and no interest on such payment will accrue for the period from and after such scheduled Interest Payment Date). 

(d) In the event that the Maturity Date or a Redemption Date for any Note falls on a day that is not a Business Day, then the
related payments of principal, premium, if any, and interest may be made on the next succeeding day that is a Business Day (and no additional interest will accumulate on the amount payable for the period from and after the Maturity Date or a
Redemption Date, as the case may be). Interest due on the Maturity Date or a Redemption Date (in each case, whether or not an Interest Payment Date) of any Notes will be paid to the Person to whom principal of such Notes is payable. 

Section 2.06. No Sinking Fund. The Notes are not entitled to the benefit of any sinking fund. 

ARTICLE 3 

REDEMPTION OF THE NOTES 

Section 3.01. Optional Redemption by Company. Except as otherwise may be specified in this Supplemental Indenture
No. 6, the Company shall have the right to redeem the Notes, in whole or in part, at any time or from time to time, at a redemption price (the “Optional Redemption Price”) equal to the greater of: 

(i) 100% of the principal amount plus accrued and unpaid interest to, but excluding, the Redemption Date; and

  

 6 

 (ii) the sum of the present values of the remaining scheduled
payments of principal and interest (exclusive of interest accrued to the Redemption Date) discounted to the Redemption Date on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate plus 65 basis
points, plus accrued and unpaid interest on the principal amount being redeemed to, but excluding, the Redemption Date. 
 The
Company will mail notice of such redemption to the registered holders of the Notes to be redeemed not less than 30 nor more than 60 days prior to the Redemption Date. If Notes are only partially redeemed pursuant to this Section 3.01, the Notes
to be redeemed will be selected by the Trustee in such manner as in its sole discretion it shall deem appropriate and fair; provided, that if at the time of redemption the Notes to be redeemed are registered as a Global Note, the Depositary
shall determine, in accordance with its procedures, the principal amount of the Notes to be redeemed held by each of its participants that holds a position in such Notes. The Optional Redemption Price shall be paid prior to 12:00 noon, New York
time, on the Redemption Date or at such later time as is then permitted by the rules of the Depositary for the Notes (if then registered as a Global Note); provided, that the Company shall deposit with the Trustee an amount sufficient to pay
the Optional Redemption Price by 10:00 a.m., New York time, on the date such Optional Redemption Price is to be paid. 

Section 3.02. No Other Redemption. Except as set forth in Section 3.01, the Notes shall not be redeemable by the
Company prior to the Maturity Date. The provisions of this Article 3 shall supersede any conflicting provisions contained in Article 3 of the Base Indenture. 

ARTICLE 4 

FORM OF NOTES 

Section 4.01. Form of Notes. 

The Notes and the Trustee’s Certificate of Authentication to be endorsed thereon are to be substantially in the forms attached as
Exhibit A hereto, with such changes therein as the officers of the Company executing the Notes (by manual or facsimile signature) may approve, such approval to be conclusively evidenced by their execution thereof. 

ARTICLE 5 

ORIGINAL ISSUE OF NOTES 

Section 5.01. Original Issue of Notes. Notes having an aggregate principal amount of U.S. $400,000,000 (subject to the
last paragraph of Section 2.02 
  

 7 

 
of the Base Indenture) may from time to time, upon execution of this Supplemental Indenture No. 6, be executed by the Company and delivered to the Trustee for authentication, and the Trustee
shall thereupon authenticate and deliver said Notes to or upon the written order of the Company pursuant to Section 2.03 of the Base Indenture without any further action by the Company (other than as required by the Base Indenture). 

ARTICLE 6 

SUPPLEMENTAL INDENTURES 

Section 6.01. Supplemental Indentures with Consent of holders of Notes. As set forth in Section 10.02 of the Base
Indenture, with the consent of the holders of a majority in the aggregate principal amount of Securities of each series affected by such supplemental indenture at the time outstanding, the Company and the Trustee may from time to time and at any
time enter into an indenture or indentures supplemental to the Base Indenture for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Base Indenture or this Supplemental Indenture No. 6
or of modifying in any manner the rights of the holders of the Securities. 
 ARTICLE 7 

MISCELLANEOUS 

Section 7.01. Ratification of Indenture. The Base Indenture, as supplemented by this Supplemental Indenture
No. 6, is in all respects ratified and confirmed, and this Supplemental Indenture No. 6 shall be deemed part of the Base Indenture in the manner and to the extent herein and therein provided. 

Section 7.02. Trustee Not Responsible for Recitals. The recitals herein contained are made by the Company and not by
the Trustee, and the Trustee assumes no responsibility for the correctness thereof. The Trustee makes no representation as to the validity or sufficiency of this Supplemental Indenture No. 6. 

Section 7.03. New York Law To Govern. THIS SUPPLEMENTAL INDENTURE NO. 6 AND EACH NOTE SHALL BE DEEMED TO BE A CONTRACT
MADE UNDER THE LAWS OF THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF SAID STATE. 

Section 7.04. Separability. In case any one or more of the provisions contained in this Supplemental Indenture
No. 6 or in the Notes shall for any reason be held to be invalid, illegal or unenforceable in any respect, then, to the 
  

 8 

 
extent permitted by law, such invalidity, illegality or unenforceability shall not affect any other provisions of this Supplemental Indenture No. 6 or of the Notes, but this Supplemental
Indenture No. 6 and the Notes shall be construed as if such invalid or illegal or unenforceable provision had never been contained herein or therein. 

Section 7.05. Counterparts. This Supplemental Indenture No. 6 may be executed in any number of counterparts each
of which shall be an original, but such counterparts shall together constitute but one and the same instrument. 
  

 9 

 IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture No. 6 to
be duly executed, as of the day and year first written above. 
  

					
	 GENWORTH FINANCIAL, INC.

		
	By:	 	 /s/ Patrick B. Kelleher

		 	Name:	 	Patrick B. Kelleher
		 	Title:	 	Senior Vice President – Chief Financial Officer

  

					
	 THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A.,

 
 as Trustee

		
	By:	 	 /s/ M. Callahan

		 	Name:	 	M. Callahan
		 	Title:	 	Vice President

 EXHIBIT A 

[IF THIS NOTE IS TO BE A GLOBAL SECURITY, INSERT:] 

THIS NOTE IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF THE DEPOSITORY TRUST COMPANY
OR A NOMINEE OF THE DEPOSITORY TRUST COMPANY. THIS NOTE IS EXCHANGEABLE FOR SECURITIES REGISTERED IN THE NAME OF A PERSON OTHER THAN THE DEPOSITORY TRUST COMPANY OR ITS NOMINEE ONLY IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE AND MAY NOT
BE TRANSFERRED EXCEPT AS A WHOLE BY THE DEPOSITORY TRUST COMPANY TO A NOMINEE OF THE DEPOSITORY TRUST COMPANY OR BY A NOMINEE OF THE DEPOSITORY TRUST COMPANY TO THE DEPOSITORY TRUST COMPANY OR ANOTHER NOMINEE OF THE DEPOSITORY TRUST COMPANY.

 UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION
(“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF
DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE
REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. 
 GENWORTH FINANCIAL, INC. 

7.700% Note due 2020 
  

			
	ISIN: US37247DAM83	  	CUSIP: 37247DAM8
		
	No. [    ]	  	$ [        ]

GENWORTH FINANCIAL, INC., a corporation organized and existing under the laws of Delaware (hereinafter called the
“Company”, which term includes any successor corporation under the Indenture hereinafter referred to), for value received, hereby promises to pay to
                    , or registered assigns, 

 

 A-1 

 
[the principal sum of $
                    
]1 on June 15, 2020 (such date is hereinafter
referred to as the “Maturity Date”), and to pay interest thereon from June 24, 2010 or from the most recent Interest Payment Date to which interest has been paid or duly provided for, semi-annually in arrears on June 15
and December 15 of each year (each, an “Interest Payment Date”), commencing December 15, 2010 at the rate of 7.700% per annum, on the basis of a 360-day year consisting of twelve 30-day months, until the principal
hereof is paid or duly provided for or made available for payment. The amount of interest payable for any period shorter than a full semi-annual Interest Period for which interest is computed will be computed on the basis of a 30-day month and, for
any period less than a month, on the basis of the actual number of days elapsed per 30-day month. The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in such Indenture, be paid to the
person in whose name the relevant Notes, or any predecessor Notes, are registered at the close of business on the Record Date for such Interest Payment Date; provided that the interest due on the Maturity Date or a Redemption Date (in each
case, whether or not an Interest Payment Date) of a Note of this series will be paid to the Person to whom principal of such Note is payable. 

Payment of the principal of and interest on this Note will be made at the office or agency of the Company maintained for that purpose in
The City of New York, which shall initially be the Principal Office of the Trustee located therein, in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts;
provided, however, that payment of interest may be made at the option of the Company by check mailed to the Person entitled thereto at such address as shall appear in the Security register or by wire transfer to an account appropriately
designated by the Person entitled to payment provided, that the paying agent shall have received written notice of such account designation at least five Business Days prior to the date of such payment (subject to surrender of the relevant
Note in the case of a payment of interest on a Redemption Date or on the Maturity Date). 
 Reference is hereby made to the
further provisions of this Note set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. 

Unless the certificate of authentication hereon has been executed by the Trustee referred to on the reverse hereof by manual signature,
this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose. 
  

	1
	USE THE FOLLOWING LANGUAGE INSTEAD FOR GLOBAL NOTES: [the principal sum as set forth in the Schedule of Increases or Decreases In Note attached hereto]

  

 A-2 

 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed. 

Dated: 
  

			
	GENWORTH FINANCIAL, INC.
		
	By:	 	  

		 	Name:
		 	Title:

  

			
	By:	 	  

		 	Name:
		 	Title:

 TRUSTEE’S CERTIFICATE OF
AUTHENTICATION 
 This is one of the Securities of the series designated therein described in the within-mentioned Indenture. 

 

			
	Dated:                     
	
	THE BANK OF NEW YORK MELLON
	 TRUST COMPANY, N.A.,

as Trustee

		
	By:	 	  

		 	Authorized Signatory

  

 A-3 

 REVERSE OF NOTE 

This Note is one of a duly authorized issue of securities of the Company (herein called the “Notes”), issued and to be
issued in one or more series under an Indenture (the “Base Indenture”), dated as of June 15, 2004, between the Company and The Bank of New York Mellon Trust Company, N.A. (as successor to JPMorgan Bank, N.A.), as Trustee
(herein called the “Trustee”, which term includes any successor trustee), as amended and supplemented by Supplemental Indenture No. 1, dated as of June 15, 2004, between the Company and the Trustee (“Supplemental
Indenture No. 1”), Supplemental Indenture No. 2, dated as of September 19, 2005, between the Company and the Trustee (the “Supplemental Indenture No. 2”), Supplemental Indenture No. 3, dated as of
June 12, 2007, between the Company and the Trustee (“Supplemental Indenture No. 3”), Supplemental Indenture No. 4, dated as of May 22, 2008, between the Company and the Trustee (“Supplemental Indenture
No. 4”), Supplemental Indenture No. 5, dated as of December 8, 2009, between the Company and the Trustee (“Supplemental Indenture No. 5”), and Supplemental Indenture No. 6, dated as of June 24,
2010, between the Company and the Trustee (“Supplemental Indenture No. 6” and together with the Supplemental Indenture No. 1, Supplemental Indenture No. 2, Supplemental Indenture No. 3, Supplemental Indenture
No. 4, Supplemental Indenture No. 5 and the Base Indenture, the “Indenture”), to which Indenture reference is hereby made for a statement of the respective rights, limitations of rights, duties and immunities thereunder of
the Company, the Trustee and the holders of the Notes and of the terms upon which the Notes are, and are to be, authenticated and delivered. This Note is one of the series designated on the face hereof, initially limited in aggregate principal
amount to $400,000,000. 
 All terms used in this Note that are defined in the Indenture shall have the meaning assigned to them
in the Indenture. 
 The Company shall have the right to redeem this Note at the option of the Company, without premium or
penalty, in whole or in part (an “Optional Redemption”), at a redemption price (the “Optional Redemption Price”) equal to the greater of: 

(i) 100% of the principal amount plus accrued and unpaid interest to the Redemption Date; and 

(ii) the sum of the present values of the remaining scheduled payments of principal and interest (exclusive of interest accrued to the
Redemption Date) discounted to the Redemption Date on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate plus 65 basis points plus accrued interest on the principal amount being redeemed to the
Redemption Date. 
  

 A-R-1 

 The Company will mail notice of such redemption to the registered holders of the Notes of
this series to be redeemed not less than 30 nor more than 60 days prior to the Redemption Date. If Notes of this series are only partially redeemed pursuant to the preceding paragraph, the Notes of this series to be redeemed will be selected by the
Trustee in such manner as in its sole discretion it shall deem appropriate and fair; provided, that if at the time of redemption the Notes of this series to be redeemed are registered as a Global Note, the Depositary shall determine, in
accordance with its procedures, the principal amount of the Notes of this series to be redeemed held by each of its participants that holds a position in such Notes. The Optional Redemption Price shall be paid prior to 12:00 noon, New York time, on
the Redemption Date or at such later time as is then permitted by the rules of the Depositary for the related Notes (if then registered as a Global Note) provided that the Company shall deposit with the Trustee an amount sufficient to pay the
Optional Redemption Price by 10:00 a.m., New York time, on the date such Optional Redemption Price is to be paid. 
 In the
event of redemption of this Note in part only, a new Note or Notes of this series for the unredeemed portion hereof shall be issued in the name of the Holder hereof upon the cancellation hereof. Except as set forth in the preceding paragraphs and in
Article 3 of the Supplemental Indenture No. 6, the Company may not redeem the Notes of this series at its option prior to the Maturity Date. 

The Notes of this series are not entitled to the benefit of any sinking fund. 

The Indenture contains provisions for defeasance of the obligations of the Company at any time upon compliance by the Company with
certain conditions set forth therein, which provisions apply to the Notes of this series. 
 If an Event of Default with respect
to Notes of this series shall occur and be continuing, the principal of the Notes of this series may be declared due and payable in the manner and with the effect provided in the Indenture. 

The Indenture permits, with certain exceptions as therein provided, the amendment thereof and the modification of the rights and
obligations of the Company and the rights of the holders of the Notes at any time by the Company and the Trustee with the consent of the holders of a majority in principal amount of the Notes of each series (each series voting as a class) affected
thereby and at the time Outstanding. The Indenture also contains provisions permitting the holders of specified percentages in principal amount of the Notes of a series at the time Outstanding, on behalf of the holders of all Notes of such series,
to waive 
  

 A-R-2 

 
certain past defaults under the Indenture and their consequences. Any such consent or waiver by the holder of this Note shall be conclusive and binding upon such holder and upon all future
holders of this Note and of any Note issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Note. 

As provided in the Indenture and subject to certain limitations therein set forth, the transfer of this Note is registrable in the
Security register, upon surrender of this Note for registration of transfer at the office or agency of the Company in any place where the principal of and interest on this Note are payable, duly endorsed by, or accompanied by a written instrument of
transfer in form satisfactory to the Company and the Security registrar duly executed by the holder hereof or his attorney duly authorized in writing, and thereupon one or more new Notes of this series, of authorized denominations and for the same
aggregate principal amount, will be issued to the designated transferee or transferees. 
 The Notes of this series are issuable
only in registered form without coupons in denominations of $2,000 and any integral multiple of $1,000 in excess of $2,000, except as provided for in Section 2.04 of Supplemental Indenture No. 6. As provided in the Indenture and subject to
certain limitations therein set forth, Notes of this series are exchangeable for a like aggregate principal amount of Notes of this series of a different authorized denomination, as requested by the holder surrendering the same. 

No service charge shall be made for any such registration of transfer or exchange, but the Company may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection therewith. 
 The Trustee and any agent of the
Company or the Trustee may treat the Person in whose name this Note is registered as the owner hereof for all purposes, whether or not this Note is overdue, and neither the Company, the Trustee nor any such agent shall be affected by notice to the
contrary. 
 THIS NOTE SHALL BE DEEMED TO BE A CONTRACT MADE UNDER THE LAWS OF THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL
BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF SAID STATE. 
  

 A-R-3 

 ASSIGNMENT 

FOR VALUE RECEIVED, the undersigned assigns and transfers this Note to: 
  

 
  

 
 (Insert assignee’s social security or tax
identification number) 
  
  

 
  
  

 
 (Insert address and zip code of assignee)

 and irrevocably appoints 
  

 
  

 
  

 
 agent to transfer this Note on the books of the
Company. The agent may substitute another to act for him or her. 
 Date:
                     
  

			
	 Signature:
	 	
	
	
 

			
		
	 Signature Guarantee:
	 	  

(Sign exactly as your name appears on the other side of this Note) 

 SIGNATURE GUARANTEE 

Signatures must be guaranteed by an “eligible guarantor institution” meeting the requirements of the Security registrar, which requirements
include membership or participation in the Security Transfer Agent Medallion Program (“STAMP”) or such other “signature guarantee program” as may be determined by the Security registrar in addition to, or in substitution
for, STAMP, all in accordance with the Securities Exchange Act of 1934, as amended. 

 SCHEDULE OF INCREASES OR DECREASES IN NOTE 

The initial principal amount of this Note is $400,000,000. The following increases or decreases in the principal amount of this Note have been made:

  

									
	 Date
	 	 Amount of

decrease in

principal

amount of this

Note
	 	 Amount of

increase in

principal

amount of this

Note
	 	 Principal

amount of this

Note following

such decrease or

increase
	 	 Signature of

authorized

signatory of

Trustee

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