Document:

ASSET PURCHASE AGREEMENT

 ASSET PURCHASE AGREEMENT

 
 This Agreement is made and entered into this 20
th day of February, 2009, by and between L.A. Juice Company, Inc., Nicholas Baum, and City Juice Systems KS, LLC.  

 
DEFINED TERMS
 These defined terms have the following meanings as used in the Agreement:

1.

“Accounts Receivable” means those accounts outstanding as of the Closing Date that are owing to Seller.
  
 2.

“Agreement” means this Asset Purchase Agreement and all exhibits.

3.

“Assets” means those items listed in paragraph 1 of the Agreement.

4.

“Business” means the business that operates a beverage, smoothie, and snack business from a location of 6537 W. 119
th Street, Overland Park, KS 66209. 
 5.

“Buyer” means City Juice Systems KS, LLC.

6.

“Closing” or “Closing Date” means February 20, 2009 at 11:00 p.m. central time at a place to be determined by the parties.

7.

“Inventory” means those items that are sold to customers of the Business or used in the operation of the Business or provided to the Business’ customers.

8.

“Purchase Price” means the consideration described in Section 9.

9.

“Seller” means L.A. Juice Company, Inc.

Background
 1.  Seller currently owns the Assets and operates the Business; and

 2.  Nicholas Baum is authorized by Seller to enter into this transaction for the sale of the Assets of Seller to Buyer; and

 

 

 

 

 
 3. Seller wishes to sell and Buyer wishes to acquire the Assets for the consideration and under the terms and conditions in the Agreement; and

 4.  Ephren W. Taylor, Jr. and Kinta L. Dixon are authorized by Buyer to enter into this transaction for the purchase of the Assets from Seller; and

 5. Buyer and Seller entered into an Offer to Purchase dated January 8, 2009.  The parties intend that this Agreement is a full statement of the party’s agreement for the sale of the Assets and Business and that it supersedes the Offer to Purchase.

 Now, in consideration of the mutual promises and pledges of the parties, and for the reasons set forth above, Seller and Buyer agree as follows:

 
AGREEMENT
 

 1.  
ASSETS INCLUDED IN PURCHASE.  Seller will sell to Buyer, free from any and all liens, encumbrances or liabilities, the Assets.    The Assets include all tangible and intangible items used in the Business, including the following:

 a. Equipment and trade fixtures used in the Business, including those on Exhibit A or listed on any equipment and trade fixture list provided to Buyer during the course of the negotiations
.
 

 b.   Any and all of Seller’s (i) customer lists, listings, or business records used in the daily operations of the Business, (ii) leases, customer deposits, signs and signage, (iii) all e-mail access information and addresses, and (iv) all other personal property used in the Business, including (if transferable) software and software licenses, permits, warranties, licenses and franchises.

 c. Any and all interest Seller has or may have in the telephone, facsimile number(s), and web site of the Business.

 d. Any and all good-will associated with the Business.

 e.  Any of Seller’s right, title and interest in and to all personal property or equipment leases covering any assets used by Seller in the course of the Business, including any remaining equity in existing leases. 

             f.    The Inventory valued at Seller’s cost not to exceed $7,000.

             g.     Any rights Seller has in the name L.A. Juice Company.

             h.     All customer relationships, contact information, and customer lists.

 

 

 

 

 
             i.     Seller’s Accounts Receivables from customer sales and ACH payments incurred, but not collected on or following the Closing hereof.

 2.  
ASSETS EXCLUDED FROM PURCHASE.  The Asset to be sold to Buyer specifically excludes the following:

 Any liability not expressly assumed by Buyer herein for the Assets that accrue before Closing are the sole liabilities and responsibility of the Seller, and Seller shall continue to be responsible for those liabilities that accrue for activity prior to Closing.

 This Agreement constitutes a sale of certain assets of Seller only and is not a sale of any stock in any entity comprising all or any part of the Seller.  Buyer is not assuming and shall not be responsible for the payment of any liabilities or obligations of the Seller or the shareholders of Seller whatsoever, including but not limited to any collective bargaining agreement or other agreement, benefits, plans or arrangements affecting employees or suppliers.

 3.  
SELLER’S WARRANTIES AND REPRESENTATIONS.  Seller represents and warrants that as of the Closing Date:

 a. That all known issues relating to the equipment , Inventory, furniture, and trade fixtures sold to Buyer, including those listed on “Exhibit A”, have been disclosed to Buyer. 

 b. That there are no claims or causes of action against the Business or the Assets, or claims or causes of action that may affect the ability of Seller to convey good and clear title to all of the Assets enumerated herein.  To the extent the Assets are encumbered or pledged, those encumbrances or pledges will be released as of the Closing.

 c. All books and figures relative to the Business and shown to the Buyer are true, accurate and correct.  Seller hereby acknowledges and agrees that notwithstanding the fact that Seller does not convey or transfer title to the financial information described in Paragraph 2(a) above, Seller, at Closing, shall delivered copies of each of the following, certified to be true and accurate by Seller’s certified public account:

 (i)

Form 1120 of Seller for the tax years ending 2006, 2007 and 2008;

(ii)

Detailed year end income and loss statement of Seller for the tax years ending 2006, 2007 and 2008; and

(iii)

Detailed Balance Sheet and Reconciliation Summary of Seller for the tax years ending 2006, 2007 and 2008.

 d.    Seller is in compliance with all applicable statutes, rules, regulations and requirements of federal, state or local agencies, and has timely filed such reports, data or information where a failure to file timely would have a material adverse effect on the Business or 

 

 

 

 
 the Assets to be sold hereby.  Seller warrants that any failure to comply, file or follow relevant requirements that precede the Closing Date and that later becomes apparent to either party will be rectified by Seller at Seller’s sole cost and expense.

 
 e. All employee salaries, benefits, or other paid compensation will be paid in full for work completed through Closing within 7 days of Closing.

 f. Seller agrees to satisfy all tax liabilities of the Business upon their due date for Seller’s pro-rata share as of the Closing Date.  Seller agrees that it is alone responsible for all tax liabilities, regardless of nature, as to the Business for activity prior to Closing.  Buyer will notify Seller within 15 days of its notification of any tax related claim for liabilities incurred before the Closing.  Seller is holding Buyer harmless of all tax liabilities related to the Business occurring on or before the date of Closing.  Seller will provide a “No Tax Due” statement from all applicable jurisdictions.

 g. Should any of the leases or contracts to be transferred hereunder be non-assignable by its terms, Seller will use commercially reasonable efforts to obtain consent of the lessor or party to a contract.  For leases that are assigned, Buyer
 will assume the remainder of the lease and will hold Seller harmless against any amounts due after Closing.  Seller has right to void this contract if he cannot obtain a termination or assignment of this lease to Buyer and/or a release of any personal guarantees related thereto.

 h.   At the Closing, Seller will provide to Buyer copies of all leases, contracts, licenses, permits, employment contracts, purchase agreements and all other contracts, documents, files and records which are pertinent to this sale of the Assets and the Business.

 4.  
PRE-CLOSING INDEMNIFICATION.   Except as otherwise expressly provided herein, Seller shall indemnify, defend and hold Buyer and its partners, agents, attorneys and legal assigns (collectively the "Buyer Indemnified Parties") harmless from and against any losses, damages and expenses (including reasonable attorneys fees) resulting from third-party claims arising out any misrepresentations of Seller related to the Business, except to the extent cause by buyer or its agents.  Seller acknowledges that all of the Buyer Indemnified Parties that are not signatories to the Agreement are intended to be third-party beneficiaries of the promises made by it in this section. 

 Buyer shall deliver written notice to Seller of any claim hereunder and its assertion that such claim is covered by this indemnification, promptly after first receiving knowledge of it.  Seller shall have the right to defend such claim with counsel of its own choice, at its sole expense, on condition that Seller: (1) acknowledges its duty to indemnify such claim; (2) promptly commences, and thereafter continues, exercising best efforts diligently to defend the claim; and (3) delivers written notice to Buyer of all material developments in such proceeding and copies of all pleadings and other documents reasonably related thereto.  In the event Seller fails to do any of the foregoing, Buyer shall have the right, but not the obligation, to take over the 

 

 

 

 
 defense of such claim by counsel of its own choosing, subject to the reasonable approval of Seller and at the expense of Seller, without limitation of Buyer’s rights of indemnification hereunder.  In such event Buyer shall exercise its best efforts to defend such claim.   

 5.  
FURTHER ACTIONS FOR CONVEYANCE.  Seller shall execute all legal documents necessary to convey clear title to Buyer of the Assets transferred, and shall take such other actions as Buyer may reasonably require for Buyer to more fully and effectively take title to or assume the Assets described herein.

 6.  
PERSONAL AND BUSINESS TAX APPORTIONMENT.  Seller shall pay all business, personal property, income, payroll taxes (however designated) assessed against the Business for activity through the Closing Date.   If applicable, Buyer shall notify Seller within 10 days after receipt of such taxes or tax assessment for periods prior to Closing.  Seller agrees to pay such sums due within 30 days of notice.  Buyer is responsible for all taxes assessed against the Assets or the Business for activity after the Closing Date.

 7.  
TRAINING.    Starting the day after the Closing and for two weeks thereafter, Seller or its designated agent(s) will provide Buyer or its’ designated agent(s) 40 hours per week of training and familiarization in the Business at no additional cost to the Buyer.   Thereafter, Seller will provide reasonable phone consultations for one month to Buyer at no additional cost to Buyer.  The time and place of this training will be as mutually agreed upon by the parties. After the one month training period, buyer will pay the seller $20.00 per phone consultation.  

 8.  
PRORATIONS.  All monthly recurring charges, including rent, utilities, advertising contracts, prepaid maintenance, and fees, deposits and like payments associated with or arising from the Assets or the Business shall be prorated between the Seller and Buyer as of the Closing Date.   

 9.  
PAYMENT DUE FROM BUYER.  Buyer shall pay Seller the total sum of $60,000 for the Assets.  The Purchase Price will be paid at Closing, plus or minus any prorated amounts, less payoff amounts to creditors of Seller, and less the earnest money already deposited by Buyer, as follows:

 ·

$5,000 deposited with ABMI as an escrow after the Offer to Purchase was signed; and  

·

$55,000 in guaranteed funds at Closing.

 As part of the Closing, the parties will execute a closing statement that will reflect the Purchase Price plus or minus any prorations, pay off amounts or expenses.  

 10.  
BUYER’S WARRANTIES AND REPRESENTATIONS.  Buyer represents and warrants that:
 

 

 

 

 

 
 a. Buyer has the right, power and legal capacity to consummate Buyer’s obligations under the Agreement, and that no third-party consents are required.

 b. Buyer is holding Seller harmless and will defend and indemnify Seller for any tax liabilities for activity on or after the date of Closing.

 c. Buyer represents that it is a sophisticated entity that has received legal and financial advice to the extent it deemed necessary in connection with this Agreement.  

 11.  
CLOSING; POSSESSION.  The Buyer shall take possession of the Assets as of 12:00 A.M. (central time) February, 21, 2009.  At this time, all liabilities and expenses newly occurred after this time will be the responsibility of the Buyer.

 12.  
POST-CLOSING INDEMNIFICATION  Except as otherwise expressly provided herein, Buyer shall indemnify, defend and hold Seller and its partners, agents, attorneys and legal assigns (collectively the "Seller Indemnified Parties") harmless from and against any losses, damages and expenses (including reasonable attorneys fees) resulting from third-party claims arising out of or incurred with respect to any conduct, inaction, or misrepresentations of Buyer relating to the Business, except to the extent caused by Seller. Buyer acknowledges that all of the Seller Indemnified Parties that are not signatories to the Agreement are intended to be third-party beneficiaries of the promises made by it in this section.

 
 Seller shall deliver written notice to Buyer of any claim hereunder and its assertion that such claim is covered by this indemnification, promptly after first receiving knowledge of it.  Buyer shall have the right to defend such claim with counsel of its own choice, at its sole expense, on condition that Buyer: (1) acknowledges its duty to indemnify such claim; (2) promptly commences, and thereafter continues, exercising best efforts diligently to defend the claim; and (3) delivers written notice to Seller of all material developments in such proceeding and copies of all pleadings and other documents reasonably related thereto.  In the event Buyer fails to do any of the foregoing, Seller shall have the right, but not the obligation, to take over the defense of such claim by counsel of its own choosing, subject to the reasonable approval of Buyer and at the expense of Buyer, without limitation of Seller's rights of indemnification hereunder.  In such event Seller shall exercise its best efforts to defend such claim. 

   13.  
CHOICE OF LAW AND FORUM.  This agreement shall be governed by the laws of the State of Kansas, without regard to its conflict of laws provisions.  Any dispute arising out of this Asset Purchase Agreement shall be bought in the District Court of Johnson County, Kansas and no where else.

 14.  
SURVIVAL.  The warranties and covenants made by the parties herein shall survive the execution of this agreement and any closing or possession date set forth herein.

 15.  
TIMING OF ESSENCE.  Time is of the essence herein.
 

 

 

 

 

 16.  
PAYMENT OF LEGAL FEES.  Buyer and Seller shall each pay their own professional or other third-party fees incurred in the preparation, revision or modification of this Agreement.
   The parties agree that the cost of the preparation of this document will be paid out of the funds before they are distributed to the Seller.

 17.  
PAYMENT OF BROKERS FEES.  Seller is responsible for any and all fees, commissions, payments or “buyer search” charges due to any Broker, and Seller agrees to indemnify and defend Buyer from all claims, judgments or settlements for broker fees and commissions.

 18.  
TERMS BINDING/ASSIGNMENT.  The terms and provisions of this Agreement shall be binding upon and inure to the benefit of the respective parties, their heirs, officers, employees, successors, executors, personal representatives and assigns, to the maximum extent permitted by law. The Agreement can not be assigned without the agreement of both parties.

 19.  
ENTIRE AGREEMENT.  This Agreement constitutes the entire agreement of the parties and any amendments, changes or addendums hereto shall have effect only if made in writing and executed by the parties hereto.

 20.  
NOTICE.  Any notice required or permitted hereunder shall be conclusively deemed properly given upon delivery of the same in writing, in person, by facsimile transmission or by mailing the same by certified mail to the party to be notified at such party's address of record as noted herein.

 21.  
SEVERABILITY.  If any provision of this Agreement is declared by a court of competent jurisdiction to be invalid or unenforceable, or if any provision hereof is or becomes impracticable, the remaining provisions and the Agreement as a whole shall nevertheless continue in full force and effect without being impaired or invalidated in any way, and the parties shall replace the invalid, unenforceable or impracticable provision with a valid, enforceable or practical provision.

  

22.   EXHIBITS.  All Exhibits attached hereto are incorporated herein by reference and all blanks in any such Exhibits, if any, will be filled in as required in order to consummate the transactions contemplated herein in accordance with this Agreement.

 23.  
SELLER’S DELIVERIES AT CLOSING.  At the Closing, Seller shall deliver or cause to be delivered:  (i)  Bill of Sale and Assignment in form and content sufficient to convey all the Assets to Buyer, with warranties against all liens, encumbrances and other adverse matters of all kinds;  and (ii) any additional documents that would provide evidence of the performance of all covenants and the satisfaction of all conditions required of Seller by this Agreement at or prior to the closing, as Buyer or its counsel may reasonably require.

 

 

 

 

 
 24.  
BUYER’S DELIVERIES AT CLOSING.  At the Closing, Buyer shall deliver or cause to be delivered:  (i) The Purchase Price; and (ii) such other evidence of performance of all covenants and the satisfaction of all conditions required of Buyer by this Agreement at or prior to the closing, as Seller or its counsel may reasonably require.

 25.  
NOTICE TO VENDORS.  No effort has been made to notify Seller’s vendors of the sale.  Seller is responsible for payment to all vendors and others that performed services or provided goods to Seller prior to Closing.

 26.
ALLOCATION OF PURCHASE PRICE.  The parties agree that they shall allocate the purchase price for the Assets in accordance with an agreed upon schedule.  The parties agree that they shall each file Form 8594 with the Internal Revenue Service confirming such agreed upon allocation.  

 27.
NONCOMPETITION AND NONSOLICITATION.  In consideration of this Agreement, Seller and Nicolas Baum each agrees not to own any similar business entity that provides goods and services similar to what the Business provides as of the date of this agreement in any form, including another smoothie company, within 15 miles of the current Business location for a period of 2 years from the Closing. This excludes Nicholas Baum’s participation in a fast food restaurant.  Further, Seller and Nicholas Baum each agrees not to solicit the customers of the Business for any business purpose that is the same or similar to what the Business does as of the date of this agreement for the same restriction period.  
The parties understand and acknowledge that this non-compete agreement is material to this Agreement.  

 Seller and Nicholas Baum each represents that this non-compete agreement will not substantially or unreasonably affect his ability to earn a livelihood.  The parties further acknowledge that the restrictions contained herein with respect to time and distance are reasonable considering the nature of the business.  The parties specifically acknowledge that violation of this provision shall entitle Buyer to injunctive relief from a court of competent jurisdiction plus recovery of any and all expenses, costs and attorneys fees reasonably expended in pursuit of injunctive relief.  Any injunctive relief will be in addition to any other remedies and damages to which Buyer might be entitled.  Buyer and Seller each acknowledge that any breach of this covenant shall entitle Buyer to recoup
 any and all damages incurred for the loss in profits, clients or business or prospective profits, clients or business or any other damages recoverable at law or equity, as and for damages for breach of this covenant in recognition of the tantamount importance placed upon this covenant.  Nothing herein shall restrict any other remedial rights Buyer might otherwise have available at law or in equity.

 Seller and Nicholas Baum each further agrees not to solicit for employment for the restriction period described above any of the employees of the Business for employment in any other job or business. If an action is taken by Buyer to enforce this agreement, then Buyer is entitled to its reasonable attorney fees if it is the prevailing party in any action.

 

 

 

 
 The parties have executed this agreement on the day and year first written above.  

 Buyer:  City Juice Systems KS, LLC

 
By: /s/ Kinta Dixon________
     Kinta L. Dixon, Manager

 Address:  2000 Mallory Lane, Ste 130-301

    Franklin, TN 37067__________

 STATE OF KANSAS

) ss.
 COUNTY OF JOHNSON

)
 

 Before me, a notary public, appeared Kinta L. Dixon, both known to me to be the persons described herein who executed this Asset Purchase Agreement as authorized representatives of Buyer, and the acts were free acts.

IN WITNESS, I set my hand and affix my official seal on the day and year written above.

 SEAL

_________________________________________

My commission expires:

Notary Public

 Seller: L.A. Juice Company, Inc.

 
By: /s/ Nicholas Baum______
      Nicholas Baum, authorized representative

 Address:  3605 W. 71
st St._______
     
Prairie Village, KS 66208
 

 
Nicholas Baum Individually for Section 27
 

       
/s/ Nicholas Baum________
 

 Address:  ____________________

    ____________________

    

STATE OF KANSAS

) ss.
 COUNTY OF JOHNSON

)
 

 Before me, a notary public, appeared Nicholas Baum known to me to be the person described in and who executed this Asset Purchase Agreement as a representative of the Seller, and individually where noted, and that the act was a free act.

IN WITNESS, I set my hand and affix my official seal on the day and year written above.

 SEAL

_________________________________________

My commission expires: 10/21/12

Notary Public
 

 

 

 

 

 
 Exhibit A

Asset List
 Blenders - 4 Blendtec Motors and Jars

Cash Register – NCR 2170 
 Chocolate Pump

Credit Card Machine – Omni 
 Dipping Cabinet – Masterbilt DC-8D

Fax Machine - Panasonic
 Infrared Thermometer

Microwave – Magic Chet
 Nutrifaster Juicer – N450

Security Equipment – Alarm System Hardware

Stereo - Sherwood
 Computer - Emachine

Coffee Machine - Sunbeam
 Undercounter ref. – True Undercounter

Walk-in Cooler
 Wheatgrass Machine – Wheateena 

Push Cart
 VitaMix Blenders Jar

Fruit Juice Machine – Wilshire MJ40-6

Orange Juice Machine – Orangfresh Espressa

Register Software – For NCR 2170
 Stainless Steel Cooler

Compartment Sink
 Cabinets

Chairs
 Counters

Deep Sink
 Ice Bin

One Way Mirror
 Open Sign

Shelving
 Outdoor Sign

Sneeze Guards
 Tables

Cup Dispensers
 Walk-in Freezer

Security Monitor (TV)exhibit41.htm

    EXHIBIT
4.1

     

    PATHFINDER
BANCORP, INC.

     

    CERTIFICATE
OF DESIGNATIONS

     

    FOR

     

    FIXED
RATE CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A

     

    Pathfinder
Bancorp, Inc., a corporation organized and existing under the laws of the United
States of America (the “Issuer”), in accordance with the provisions of 12 C.F.R.
§ 575.14(c) and Section 5.B. of its Charter does hereby certify:

    

    WHEREAS, in accordance with 12
C.F.R. § 575.14(c) and Section 5.B. of the Charter of the Issuer, the Board of
Directors of the Issuer adopted the following resolution at a meeting duly
called and held on September 1, 2009:

    

    RESOLVED, that pursuant to the
provisions of the Charter of the Issuer and applicable law, a series of
Preferred Stock par value $0.01 per share, of the Issuer be and hereby is
created, and that the designation and number of shares of such series, and the
voting and other powers, preferences and relative, participating, optional or
other rights, and the qualifications, limitations and restrictions thereof, of
the shares of such series, are as follows:

    

    Part1.  Designation and Number of
Shares. There is hereby created out of the authorized and unissued shares
of preferred stock of the Issuer a series of preferred stock designated as the
“Fixed Rate Cumulative Perpetual Preferred Stock, Series A” (the “Designated Preferred
Stock”). The authorized number of shares of Designated Preferred Stock
shall be 6,771.

    

    Part
2.  Standard
Provisions. The Standard Provisions contained in Schedule A attached
hereto are incorporated herein by reference in their entirety and shall be
deemed to be a part of this Certificate of Designations to the same extent as if
such provisions had been set forth in full herein.

    

    Part
3.  Definitions. The
following terms are used in this Certificate of Designations (including the Standard
Provisions in Annex A hereto) as defined below:

    

    (a)           “Common Stock” means
the common stock, par value $0.01 per share, of the Issuer.

    

    (b)           “Dividend Payment
Date” means February 15, May 15, August 15 and November 15 of each
year.

    

    (c)           “Junior Stock” means
the Common Stock and any other class or series of stock of the Issuer the terms
of which expressly provide that it ranks junior to Designated Preferred Stock as
to dividend rights and/or as to rights on liquidation, dissolution or winding up
of the Issuer.

    

    (d)           “Liquidation Amount”
means $1,000 per share of Designated Preferred Stock.

    

    (e)           “Parity Stock” means
any class or series of stock of the Issuer (other than Designated Preferred
Stock) the terms of which do not expressly provide that such class or series
will rank senior or junior to Designated Preferred Stock as to dividend rights
and/or as to rights on liquidation, dissolution or winding up of the Issuer (in
each case without regard to whether dividends accrue cumulatively or
non-cumulatively).

    

    (f)           “Signing Date” means
the Original Issue Date.

    

    Part
4.  Certain
Voting Matters. Holders of shares of Designated Preferred Stock will be
entitled to one vote for each such share on any matter on which holders of
Designated Preferred Stock are entitled to vote, including any action by written
consent.

    

    [Remainder
of Page Intentionally Left Blank]

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    IN
WITNESS WHEREOF, Pathfinder Bancorp, Inc. has caused this Certificate of
Designations to be signed by Thomas W. Schneider, President and Chief Executive
Officer, and witnessed by Edward A. Mervine, Senior Vice President, General
Counsel and Corporate Secretary, this 11th  day
of September, 2009.

    

    WITNESS                                                                                          
 PATHFINDER BANCORP,
INC.

     

    By: /s/: Edward A.
Mervine                                                               By: /s/: Thomas W.
Schneider

    Name:   Edward
A.
Mervine                                                               Name:
Thomas W. Schneider

    Title:
   Senior Vice
President,                                                             Title:   President
and Chief Executive Officer

              
  General Counsel & Secretary

     

    
 

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    Schedule
A

    
       

       

       

    

    Standard
Provisions

    

    Section
1. General Matters.
Each share of Designated Preferred Stock shall be identical in all
respects to every other share of Designated Preferred Stock. The Designated
Preferred Stock shall be perpetual, subject to the provisions of Section 5 of
these Standard Provisions that form a part of the Certificate of Designations.
The Designated Preferred Stock shall rank equally with Parity Stock and shall
rank senior to Junior Stock with respect to the payment of dividends and the
distribution of assets in the event of any dissolution, liquidation or winding
up of the Issuer.

    

    Section
2. Standard
Definitions. As used herein with respect to Designated Preferred
Stock:

    

    (a)
“Applicable Dividend
Rate” means (i) during the period from the Original Issue Date to, but
excluding, the first day of the first Dividend Period commencing on or after the
fifth anniversary of the Original Issue Date, 5% per annum and (ii) from and
after the first day of the first Dividend Period commencing on or after the
fifth anniversary of the Original Issue Date, 9% per annum.

    

    (b)
“Appropriate Federal
Banking Agency” means the “appropriate Federal banking agency” with
respect to the Issuer as defined in Section 3(q) of the Federal Deposit
Insurance Act (12 U.S.C. Section 1813(q)), or any successor
provision.

    

    (c)
“Business
Combination” means a merger, consolidation, statutory share exchange or
similar transaction that requires the approval of the Issuer’s
stockholders.

    

    (d) “Business Day” means
any day except Saturday, Sunday and any day on which banking institutions in the
State of New York generally are authorized or required by law or other
governmental actions to close.

    

    (e) “Bylaws” means the
bylaws of the Issuer, as they may be amended from time to time.

    

    (f) “Certificate of
Designations” means the Certificate of Designations or comparable
instrument relating to the Designated Preferred Stock, of which these Standard
Provisions form a part, as it may be amended from time to time.

    

    (g) “Charter” means the
Issuer’s certificate or articles of incorporation, articles of association, or
similar organizational document.

    

    (h) “Dividend Period” has
the meaning set forth in Section 3(a).

    

    (i) “Dividend Record Date”
has the meaning set forth in Section 3(a).

    

    (j) “Liquidation Preference”
has the meaning set forth in Section 4(a).

    

    (k) “Original Issue Date”
means the date on which shares of Designated Preferred Stock are first
issued.

    

    

    (l) “Preferred Director”
has the meaning set forth in Section 7(b).

    

    (m) “Preferred Stock”
means any and all series of preferred stock of the Issuer, including the
Designated Preferred Stock.

    

    (n) “Standard Provisions”
mean these Standard Provisions that form a part of the Certificate of
Designations relating to the Designated Preferred Stock.

    

    (o) “Successor Preferred Stock”
has the meaning set forth in Section 5(a).

    

    (p) “Voting Parity Stock”
means, with regard to any matter as to which the holders of Designated
Preferred Stock are entitled to vote as specified in Sections 7(a) and 7(b) of
these Standard Provisions that form a part of the Certificate of Designations,
any and all series of Parity Stock upon which like voting rights have been
conferred and are exercisable with respect to such matter.

    

    Section
3. Dividends.

    

    (a) Rate. Holders of
Designated Preferred Stock shall be entitled to receive, on each share of
Designated Preferred Stock if, as and when declared by the Board of Directors or
any duly authorized committee of the Board of Directors, but only out of assets
legally available therefor, cumulative cash dividends with respect to each
Dividend Period (as defined below) at a rate per annum equal to the Applicable
Dividend Rate on (i) the Liquidation Amount per share of Designated Preferred
Stock and (ii) the amount of accrued and unpaid dividends for any prior Dividend
Period on such share of Designated Preferred Stock, if any. Such dividends shall
begin to accrue and be cumulative from the Original Issue Date, shall compound
on each subsequent Dividend Payment Date (i.e., no dividends shall accrue on
other dividends unless and until the first Dividend Payment Date for such other
dividends has passed without such other dividends having been paid on such date)
and shall be payable quarterly in arrears on each Dividend Payment Date,
commencing with the first such Dividend Payment Date to occur at least 20
calendar days after the Original Issue Date. In the event that any Dividend
Payment Date would otherwise fall on a day that is not a Business Day, the
dividend payment due on that date will be postponed to the next day that is a
Business Day and no additional dividends will accrue as a result of that
postponement. The period from and including any Dividend Payment Date to, but
excluding, the next Dividend Payment Date is a “Dividend Period,”
provided that the initial Dividend Period shall be the period from and including
the Original Issue Date to, but excluding, the next Dividend Payment
Date.

    Dividends
that are payable on Designated Preferred Stock in respect of any Dividend Period
shall be computed on the basis of a 360-day year consisting of twelve 30-day
months. The amount of dividends payable on Designated Preferred Stock on any
date prior to the end of a Dividend Period, and for the initial Dividend Period,
shall be computed on the basis of a 360-day year consisting of twelve 30-day
months, and actual days elapsed over a 30-day month.

    

    A-2

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    Dividends
that are payable on Designated Preferred Stock on any Dividend Payment Date will
be payable to holders of record of Designated Preferred Stock as they appear on
the stock register of the Issuer on the applicable record date, which shall be
the 15th calendar day immediately preceding such Dividend Payment Date or such
other record date fixed by the Board of Directors or any duly authorized
committee of the Board of Directors that is not more than 60 nor less than 10
days prior to such Dividend Payment Date (each, a “Dividend Record
Date”). Any such day that is a Dividend Record Date shall be a Dividend
Record Date whether or not such day is a Business Day.

    

    Holders
of Designated Preferred Stock shall not be entitled to any dividends, whether
payable in cash, securities or other property, other than dividends (if any)
declared and payable on Designated Preferred Stock as specified in this Section
3 (subject to the other provisions of the Certificate of
Designations).

    

    (b) Priority of Dividends.
So long as any share of Designated Preferred Stock remains outstanding,
no dividend or distribution shall be declared or paid on the Common Stock or any
other shares of Junior Stock (other than dividends payable solely in shares of
Common Stock) or Parity Stock, subject to the immediately following paragraph in
the case of Parity Stock, and no Common Stock, Junior Stock or Parity Stock
shall be, directly or indirectly, purchased, redeemed or otherwise acquired for
consideration by the Issuer or any of its subsidiaries unless all accrued and
unpaid dividends for all past Dividend Periods, including the latest completed
Dividend Period (including, if applicable as provided in Section 3(a) above,
dividends on such amount), on all outstanding shares of Designated Preferred
Stock have been or are contemporaneously declared and paid in full (or have been
declared and a sum sufficient for the payment thereof has been set aside for the
benefit of the holders of shares of Designated Preferred Stock on the applicable
record date). The foregoing limitation shall not apply to (i) redemptions,
purchases or other acquisitions of shares of Common Stock or other Junior Stock
in connection with the administration of any employee benefit plan in the
ordinary course of business and consistent with past practice; (ii) the
acquisition by the Issuer or any of its subsidiaries of record ownership in
Junior Stock or Parity Stock for the beneficial ownership of any other persons
(other than the Issuer or any of its subsidiaries), including as trustees or
custodians; and (iii) the exchange or conversion of Junior Stock for or into
other Junior Stock or of Parity Stock for or into other Parity Stock (with the
same or lesser aggregate liquidation amount) or Junior Stock, in each case,
solely to the extent required pursuant to binding contractual agreements entered
into prior to the Signing Date or any subsequent agreement for the accelerated
exercise, settlement or exchange thereof for Common Stock.

    

    When
dividends are not paid (or declared and a sum sufficient for payment thereof set
aside for the benefit of the holders thereof on the applicable record date) on
any Dividend Payment Date (or, in the case of Parity Stock having dividend
payment dates different from the Dividend Payment Dates, on a dividend payment
date falling within a Dividend Period related to such Dividend Payment Date) in
full upon Designated Preferred Stock and any shares of Parity Stock, all
dividends declared on Designated Preferred Stock and all such Parity Stock and
payable on such Dividend Payment Date (or, in the case of Parity Stock having
dividend payment dates different from the Dividend Payment Dates, on a dividend
payment date falling within the Dividend Period related to such Dividend Payment
Date) shall be declared pro rata so

    

    A-3

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    that the
respective amounts of such dividends declared shall bear the same ratio to each
other as all accrued and unpaid dividends per share on the shares of Designated
Preferred Stock (including, if applicable as provided in Section 3(a) above,
dividends on such amount) and all Parity Stock payable on such Dividend Payment
Date (or, in the case of Parity Stock having dividend payment dates different
from the Dividend Payment Dates, on a dividend payment date falling within the
Dividend Period related to such Dividend Payment Date) (subject to their having
been declared by the Board of Directors or a duly authorized committee of the
Board of Directors out of legally available funds and including, in the case of
Parity Stock that bears cumulative dividends, all accrued but unpaid dividends)
bear to each other. If the Board of Directors or a duly authorized committee of
the Board of Directors determines not to pay any dividend or a full dividend on
a Dividend Payment Date, the Issuer will provide written notice to the holders
of Designated Preferred Stock prior to such Dividend Payment Date.

    

    Subject
to the foregoing, and not otherwise, such dividends (payable in cash, securities
or other property) as may be determined by the Board of Directors or any duly
authorized committee of the Board of Directors may be declared and paid on any
securities, including Common Stock and other Junior Stock, from time to time out
of any funds legally available for such payment, and holders of Designated
Preferred Stock shall not be entitled to participate in any such
dividends.

    

    Section
4. Liquidation
Rights.

    

    (a) Voluntary or Involuntary
Liquidation. In the event of any liquidation, dissolution or winding up
of the affairs of the Issuer, whether voluntary or involuntary, holders of
Designated Preferred Stock shall be entitled to receive for each share of
Designated Preferred Stock, out of the assets of the Issuer or proceeds thereof
(whether capital or surplus) available for distribution to stockholders of the
Issuer, subject to the rights of any creditors of the Issuer, before any
distribution of such assets or proceeds is made to or set aside for the holders
of Common Stock and any other stock of the Issuer ranking junior to Designated
Preferred Stock as to such distribution, payment in full in an amount equal to
the sum of (i) the Liquidation Amount per share and (ii) the amount of any
accrued and unpaid dividends (including, if applicable as provided in Section
3(a) above, dividends on such amount), whether or not declared, to the date of
payment (such amounts collectively, the “Liquidation
Preference”).

    

    (b) Partial Payment. If
in any distribution described in Section 4(a) above the assets of the Issuer or
proceeds thereof are not sufficient to pay in full the amounts payable with
respect to all outstanding shares of Designated Preferred Stock and the
corresponding amounts payable with respect of any other stock of the Issuer
ranking equally with Designated Preferred Stock as to such distribution, holders
of Designated Preferred Stock and the holders of such other stock shall share
ratably in any such distribution in proportion to the full respective
distributions to which they are entitled.

    

    (c) Residual Distributions.
If the Liquidation Preference has been paid in full to all holders of
Designated Preferred Stock and the corresponding amounts payable with respect of
any other stock of the Issuer ranking equally with Designated Preferred Stock as
to such distribution has been paid in full, the holders of other stock of the
Issuer shall be entitled to

    

    A-4

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    receive
all remaining assets of the Issuer (or proceeds thereof) according to their
respective rights and preferences.

    

    (d) Merger, Consolidation and
Sale of Assets Not Liquidation. For purposes of this Section 4, the
merger or consolidation of the Issuer with any other corporation or other
entity, including a merger or consolidation in which the holders of Designated
Preferred Stock receive cash, securities or other property for their shares, or
the sale, lease or exchange (for cash, securities or other property) of all or
substantially all of the assets of the Issuer, shall not constitute a
liquidation, dissolution or winding up of the Issuer.

    

    Section
5. Redemption.

    

    (a) Optional Redemption.
The Issuer, at its option, subject to the approval of the Appropriate
Federal Banking Agency, may redeem, in whole or in part, at any time and from
time to time, out of funds legally available therefor, the shares of Designated
Preferred Stock at the time outstanding, upon notice given as provided in
Section 5(c) below, at a redemption price equal to 100% of the issue price plus
any accrued and unpaid dividends (including, if applicable as provided in
Section 3(a) above, dividends on such amount) (regardless of whether any
dividends are actually declared) to, but excluding, the date fixed for
redemption; provided,
however, that if less than all of the outstanding Designated Preferred
Stock is then being redeemed, the Liquidation Amount of the shares of Designated
Preferred Stock being redeemed shall not be less than 25% of the aggregate
Liquidation Amount for all shares of Designated Preferred Stock as of the
Original Issue Date.

    

    The
redemption price for any shares of Designated Preferred Stock shall be payable
on the redemption date to the holder of such shares against surrender of the
certificate(s) evidencing such shares to the Issuer or its agent. Any declared
but unpaid dividends payable on a redemption date that occurs subsequent to the
Dividend Record Date for a Dividend Period shall not be paid to the holder
entitled to receive the redemption price on the redemption date, but rather
shall be paid to the holder of record of the redeemed shares on such Dividend
Record Date relating to the Dividend Payment Date as provided in Section 3
above.

    

    (b) No Sinking Fund. The
Designated Preferred Stock will not be subject to any mandatory redemption,
sinking fund or other similar provisions. Holders of Designated Preferred Stock
will have no right to require redemption or repurchase of any shares of
Designated Preferred Stock.

    

    (c) Notice of Redemption.
Notice of every redemption of shares of Designated Preferred Stock shall
be given by first class mail, postage prepaid, addressed to the holders of
record of the shares to be redeemed at their respective last addresses appearing
on the books of the Issuer. Such mailing shall be at least 30 days and not more
than 60 days before the date fixed for redemption. Any notice mailed as provided
in this Subsection shall be conclusively presumed to have been duly given,
whether or not the holder receives such notice, but failure duly to give such
notice by mail, or any defect in such notice or in the mailing thereof, to any
holder of shares of Designated Preferred Stock designated for redemption shall
not affect the validity of the proceedings for the redemption of any other
shares of Designated Preferred

    

    A-5

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    Stock.
Notwithstanding the foregoing, if shares of Designated Preferred Stock are
issued in book-entry form through The Depository Trust Company or any other
similar facility, notice of redemption may be given to the holders of Designated
Preferred Stock at such time and in any manner permitted by such facility. Each
notice of redemption given to a holder shall state: (1) the redemption date; (2)
the number of shares of Designated Preferred Stock to be redeemed and, if less
than all the shares held by such holder are to be redeemed, the number of such
shares to be redeemed from such holder; (3) the redemption price; and (4) the
place or places where certificates for such shares are to be surrendered for
payment of the redemption price.

    

    (d) Partial Redemption.
In case of any redemption of part of the shares of Designated Preferred
Stock at the time outstanding, the shares to be redeemed shall be selected
either pro rata or in such other manner as the Board of Directors or a duly
authorized committee thereof may determine to be fair and equitable. Subject to
the provisions hereof, the Board of Directors or a duly authorized committee
thereof shall have full power and authority to prescribe the terms and
conditions upon which shares of Designated Preferred Stock shall be redeemed
from time to time. If fewer than all the shares represented by any certificate
are redeemed, a new certificate shall be issued representing the unredeemed
shares without charge to the holder thereof.

    

    (e) Effectiveness of Redemption.
If notice of redemption has been duly given and if on or before the
redemption date specified in the notice all funds necessary for the redemption
have been deposited by the Issuer, in trust for the pro rata benefit of the
holders of the shares called for redemption, with a bank or trust company doing
business in the Borough of Manhattan, The City of New York, and having a capital
and surplus of at least $500 million and selected by the Board of Directors, so
as to be and continue to be available solely therefor, then, notwithstanding
that any certificate for any share so called for redemption has not been
surrendered for cancellation, on and after the redemption date dividends shall
cease to accrue on all shares so called for redemption, all shares so called for
redemption shall no longer be deemed outstanding and all rights with respect to
such shares shall forthwith on such redemption date cease and terminate, except
only the right of the holders thereof to receive the amount payable on such
redemption from such bank or trust company, without interest. Any funds
unclaimed at the end of three years from the redemption date shall, to the
extent permitted by law, be released to the Issuer, after which time the holders
of the shares so called for redemption shall look only to the Issuer for payment
of the redemption price of such shares.

    

    (f) Status of Redeemed Shares.
Shares of Designated Preferred Stock that are redeemed, repurchased or
otherwise acquired by the Issuer shall revert to authorized but unissued shares
of Preferred Stock (provided that any such cancelled shares of Designated
Preferred Stock may be reissued only as shares of any series of Preferred Stock
other than Designated Preferred Stock).

    

    Section
6. Conversion.
Holders of Designated Preferred Stock shares shall have no right to
exchange or convert such shares into any other securities.

    

    A-6

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    Section
7. Voting
Rights.

    

    (a) General. The holders
of Designated Preferred Stock shall not have any voting rights except as set
forth below or as otherwise from time to time required by law.

    

    (b) Preferred Stock Directors.
Whenever, at any time or times, dividends payable on the shares of
Designated Preferred Stock have not been paid for an aggregate of six quarterly
Dividend Periods or more, whether or not consecutive, the authorized number of
directors of the Issuer shall automatically be increased by two and the holders
of the Designated Preferred Stock shall have the right, with holders of shares
of any one or more other classes or series of Voting Parity Stock outstanding at
the time, voting together as a class, to elect two directors (hereinafter the
“Preferred
Directors” and each a “Preferred Director”)
to fill such newly created directorships at the Issuer’s next annual meeting of
stockholders (or at a special meeting called for that purpose prior to such next
annual meeting) and at each subsequent annual meeting of stockholders until all
accrued and unpaid dividends for all past Dividend Periods, including the latest
completed Dividend Period (including, if applicable as provided in Section 3(a)
above, dividends on such amount), on all outstanding shares of Designated
Preferred Stock have been declared and paid in full at which time such right
shall terminate with respect to the Designated Preferred Stock, except as herein
or by law expressly provided, subject to revesting in the event of each and
every subsequent default of the character above mentioned; provided that it
shall be a qualification for election for any Preferred Director that the
election of such Preferred Director shall not cause the Issuer to violate any
corporate governance requirements of any securities exchange or other trading
facility on which securities of the Issuer may then be listed or traded that
listed or traded companies must have a majority of independent directors. Upon
any termination of the right of the holders of shares of Designated Preferred
Stock and Voting Parity Stock as a class to vote for directors as provided
above, the Preferred Directors shall cease to be qualified as directors, the
term of office of all Preferred Directors then in office shall terminate
immediately and the authorized number of directors shall be reduced by the
number of Preferred Directors elected pursuant hereto. Any Preferred Director
may be removed at any time, with or without cause, and any vacancy created
thereby may be filled, only by the affirmative vote of the holders a majority of
the shares of Designated Preferred Stock at the time outstanding voting
separately as a class together with the holders of shares of Voting Parity
Stock, to the extent the voting rights of such holders described above are then
exercisable. If the office of any Preferred Director becomes vacant for any
reason other than removal from office as aforesaid, the remaining Preferred
Director may choose a successor who shall hold office for the unexpired term in
respect of which such vacancy occurred.

    

    (c) Class Voting Rights as
to Particular Matters. So long as any shares of Designated Preferred
Stock are outstanding, in addition to any other vote or consent of stockholders
required by law or by the Charter, the vote or consent of the holders of at
least 66 2/3% of the shares of Designated Preferred Stock at the time
outstanding, voting as a separate class, given in person or by proxy, either in
writing without a meeting or by vote at any meeting called for the purpose,
shall be necessary for effecting or validating:

    

    (i) Authorization of Senior
Stock. Any amendment or alteration of the Certificate of Designations for
the Designated Preferred Stock or the Charter to authorize or create or increase
the authorized amount of, or any issuance of, any shares of, or any securities
convertible into or exchangeable or exercisable for shares of, any class or
series of capital stock of the Issuer ranking

    A-7

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    senior to
Designated Preferred Stock with respect to either or both the payment of
dividends and/or the distribution of assets on any liquidation, dissolution or
winding up of the Issuer;

    

    (ii)
Amendment of
Designated Preferred Stock. Any amendment, alteration or repeal of any
provision of the Certificate of Designations for the Designated Preferred Stock
or the Charter (including, unless no vote on such merger or consolidation is
required by Section 7(c)(iii) below, any amendment, alteration or repeal by
means of a merger, consolidation or otherwise) so as to adversely affect the
rights, preferences, privileges or voting powers of the Designated Preferred
Stock; or

    

    (iii)
Share Exchanges,
Reclassifications, Mergers and Consolidations. Any consummation of a
binding share exchange or reclassification involving the Designated Preferred
Stock, or of a merger or consolidation of the Issuer with another corporation or
other entity, unless in each case (a) the shares of Designated Preferred Stock
remain outstanding or, in the case of any such merger or consolidation with
respect to which the Issuer is not the surviving or resulting entity, are
converted into or exchanged for preference securities of the surviving or
resulting entity or its ultimate parent, and (b) such shares remaining
outstanding or such preference securities, as the case may be, have such rights,
preferences, privileges and voting powers, and limitations and restrictions
thereof, taken as a whole, as are not materially less favorable to the holders
thereof than the rights, preferences, privileges and voting powers, and
limitations and restrictions thereof, of Designated Preferred Stock immediately
prior to such consummation, taken as a whole; provided, however, that for all
purposes of this Section 7(c), any increase in the amount of the authorized
Preferred Stock, including any increase in the authorized amount of Designated
Preferred Stock necessary to satisfy preemptive or similar rights granted by the
Issuer to other persons prior to the Signing Date, or the creation and issuance,
or an increase in the authorized or issued amount, whether pursuant to
preemptive or similar rights or otherwise, of any other series of Preferred
Stock, or any securities convertible into or exchangeable or exercisable for any
other series of Preferred Stock, ranking equally with and/or junior to
Designated Preferred Stock with respect to the payment of dividends (whether
such dividends are cumulative or non-cumulative) and the distribution of assets
upon liquidation, dissolution or winding up of the Issuer will not be deemed to
adversely affect the rights, preferences, privileges or voting powers, and shall
not require the affirmative vote or consent of, the holders of outstanding
shares of the Designated Preferred Stock.

    

    (d) Changes after Provision for
Redemption. No vote or consent of the holders of Designated Preferred
Stock shall be required pursuant to Section 7(c) above if, at or prior to the
time when any such vote or consent would otherwise be required pursuant to such
Section, all outstanding shares of the Designated Preferred Stock shall have
been redeemed, or shall

    

    A-8

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    have been
called for redemption upon proper notice and sufficient funds shall have been
deposited in trust for such redemption, in each case pursuant to Section 5
above.

    

    (e) Procedures for Voting and
Consents. The rules and procedures for calling and conducting any meeting
of the holders of Designated Preferred Stock (including, without limitation, the
fixing of a record date in connection therewith), the solicitation and use of
proxies at such a meeting, the obtaining of written consents and any other
aspect or matter with regard to such a meeting or such consents shall be
governed by any rules of the Board of Directors or any duly authorized committee
of the Board of Directors, in its discretion, may adopt from time to time, which
rules and procedures shall conform to the requirements of the Charter, the
Bylaws, and applicable law and the rules of any national securities exchange or
other trading facility on which Designated Preferred Stock is listed or traded
at the time.

    

    Section
8. Record Holders.
To the fullest extent permitted by applicable law, the Issuer and the
transfer agent for Designated Preferred Stock may deem and treat the record
holder of any share of Designated Preferred Stock as the true and lawful owner
thereof for all purposes, and neither the Issuer nor such transfer agent shall
be affected by any notice to the contrary.

    

    Section
9. Notices. All
notices or communications in respect of Designated Preferred Stock shall be
sufficiently given if given in writing and delivered in person or by first class
mail, postage prepaid, or if given in such other manner as may be permitted in
this Certificate of Designations, in the Charter or Bylaws or by applicable law.
Notwithstanding the foregoing, if shares of Designated Preferred Stock are
issued in book-entry form through The Depository Trust Company or any similar
facility, such notices may be given to the holders of Designated Preferred Stock
in any manner permitted by such facility.

    

    Section
10. No Preemptive
Rights. No share of Designated Preferred Stock shall have any rights of
preemption whatsoever as to any securities of the Issuer, or any warrants,
rights or options issued or granted with respect thereto, regardless of how such
securities, or such warrants, rights or options, may be designated, issued or
granted.

    

    Section
11. Replacement
Certificates. The Issuer shall replace any mutilated certificate at the
holder’s expense upon surrender of that certificate to the Issuer. The Issuer
shall replace certificates that become destroyed, stolen or lost at the holder’s
expense upon delivery to the Issuer of reasonably satisfactory evidence that the
certificate has been destroyed, stolen or lost, together with any indemnity that
may be reasonably required by the Issuer.

    

    Section
12. Other Rights.
The shares of Designated Preferred Stock shall not have any rights,
preferences, privileges or voting powers or relative, participating, optional or
other special rights, or qualifications, limitations or restrictions thereof,
other than as set forth herein or in the Charter or as provided by applicable
law.

     

     

     

     

     

     

    A-9

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00163-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00163-of-00352.parquet"}]]