Document:

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                                                                  Exhibit 10.48

                                                     March 6, 2002

Mr. George A. Eldridge
Curis, Inc.
61 Moulton Street
Cambridge, MA  02138

Dear George,

     The purpose of this letter is to confirm our discussions with respect to
your transition of duties and separation from employment with Curis, Inc. (the
"Company"). As you know, the Company would like your continued assistance in the
capacity of Chief Financial Officer for a set period of time to achieve certain
specific objectives that are important to the Company. As such, if you remain
employed by the Company until May 16, 2002 or until the date when the Company
requests your departure following commencement of employment with the Company by
the Company's new Chief Financial Officer, whichever is earlier, the Company
will provide you with the severance pay and benefits described in the letter
agreement below (the "Agreement") if you sign the Agreement and return it
no later than March 20, 2002 and, on your last day of employment with the
----------------------------
Company, sign and return the release attached to the Agreement as Attachment A.
If you resign your employment with the Company prior to May 16, 2002, or if you
choose not to timely sign and return both this Agreement and Attachment A to
this Agreement, you will not receive any severance pay and benefits from the
Company

                                    AGREEMENT
                                    ---------

     1.  Separation of Employment. Your employment with the Company will end as
         ------------------------
of the date of your resignation, which is to be no sooner than the close of
business on May 16, 2002, or on the date when the Company requests your
departure following commencement of employment with the Company by the Company's
new Chief Financial Officer, whichever is earlier (the "Separation Date"), at
which time you will be terminated from all positions and offices held by you
with the Company. You acknowledge that, following the Separation Date, you will
have no authority to act on behalf of the Company, will not represent yourself
as an employee or agent of the Company and will not make or attempt to make any
commitments of any nature on behalf of, or otherwise bind, the Company. Further,
as of the Separation Date, all salary payments from the Company will cease and
any benefits you may have had under Company-provided benefit plans, programs, or
practices will terminate, except as required by federal or state law, or as
otherwise described in Section 2 below.

<PAGE>

     2.  Severance Pay and Benefits. In return for your timely execution of this
         --------------------------
Agreement, Attachment A as described above, the Company will provide you with
the following severance benefits (collectively, the "Severance Benefits"):

         (a) Severance Pay. The Company will provide you with severance pay in
             -------------
the form of salary continuation at your current base rate of pay ($8,076.92 per
bi-weekly pay period) for a six-month (6 month) period following the Separation
Date (the "Salary Continuation"). The Salary Continuation will be subject to all
applicable local, state and federal taxes and withholdings and will be paid to
you in equal installments in accordance with the Company's regular payroll
practices. In no event will the first installment of the Salary Continuation be
paid to you prior to the later of: (i) the first regular pay period following
the Separation Date and (ii) your compliance with the provisions of Section 5 of
this Agreement. You will not be eligible for, nor will you have a right to
receive, any payments from the Company following the Separation Date other than
the Salary Continuation.

         (b) Medical and Dental Insurance Continuation Coverage. The Separation
             --------------------------------------------------
Date will be the date of the "qualifying event" under COBRA (the Consolidated
Omnibus Budget Reconciliation Act of 1985). If you are eligible for and elect to
continue group health insurance coverage under COBRA, the Company will reimburse
you for the full costs of health insurance premium payments from the Separation
Date through the six-month period thereafter upon your presentation to the
Company of reports documenting such premium payments. Thereafter, you will be
solely responsible for any and all premium payments during the elected period of
health insurance coverage under COBRA. You will be required to pay 102% of the
COBRA premium rate if you elect COBRA coverage. You will be provided with an
application form. You understand and agree that any participation by you in any
group medical or dental insurance plan pursuant to this section will be in
accordance with the applicable plan terms and generally applicable policies, and
nothing contained herein will obligate the Company to continue any employee
benefit plan or restrict in any way the right of the Company to modify or amend
said plans.

         (c) Purchase of Company Property. The Company agrees that you may lease
             ----------------------------
through December 31, 2002 from the Company the Company-provided laptop computer
(Curis Serial # 10380) for SEVEN HUNDRED DOLLARS ($700.00) and purchase as
personal property the Company-provided cellular telephone used by you during
your employment for FIFTY DOLLARS ($50.00), provided, however, that you first
return and do not retain, any and all Company property stored in the
Company-provided laptop computer, pursuant to the provisions of Section 5 below.
The Company-provided laptop computer and cellular telephone will be leased and
purchased, respectively, by you strictly on an "as is" basis, and you will
assume responsibility for all costs related to such items after the Separation
Date.

                                       2

<PAGE>

         (d) Electronic Mail and Voice Mail. The Company agrees that you may
             ------------------------------
submit to the Company a forwarding message which, upon approval by the Company,
will be installed on your former electronic mail (eldridge@curis.com) and voice
mail (617-503-6515) accounts until six months after the Separation Date. You
agree that the message will indicate where you can be contacted with respect to
personal calls and refer business-related calls to the employees specified by
the Company.

         (e) Vacation Pay. Your final paycheck will include payment for any
             ------------
accrued but unused vacation time as of the Separation Date.

         (f) Stock Options. The Company agrees, subject to approval by the Board
             -------------
of Directors, that all stock options granted to you will be vested as of the
Separation Date to the extent they would have been vested if you had remained an
employee through July 31, 2002. Your stock options will not be exercisable and
will not vest as to any other shares. In addition, a stock option grant to you
on August 18, 2000 exercisable for 200,000 shares of the Company's common stock
at an exercise price of $14.50 will expire and no longer be exercisable as of
the Separation Date. Further and subject to approval by the Board of Directors,
you will have until May 16, 2003 to exercise all stock options that are vested
as of the Separation Date. You acknowledge that the provisions of this paragraph
2(f) may affect the tax treatment of exercised stock options.

         (g) Unemployment Compensation. In the event that you elect to file a
             -------------------------

claim for unemployment benefits, the Company will not oppose your receipt of
benefits.

         (h) Acknowledgement. By signing this Agreement and accepting the
             ---------------

Severance Benefits provided in this Section 2, you acknowledge and agree that
the Severance Benefits provided in this Section 2 are not intended to and do not
constitute a severance plan and will confer no benefit on anyone other than the
parties to this Agreement.

         (i) No Further Amounts Owed. You acknowledge and agree that the
             -----------------------

Company's promises, payments and obligations contained in this Agreement are
in consideration of, and in full satisfaction for, all amounts of any kind,
if any, the Company does owe, might owe or could owe to you, and the promises,
representations, and warranties made by you in this Agreement. You further
acknowledge and agree that, except for the Severance Benefits set forth in this
Agreement, you are not and will not in the future be owed or entitled to any
additional payments, compensation or benefits of any kind, including, but not
limited to, wages, salary, commissions, vacation time or pay, holiday pay,
notice pay, expenses, profit sharing, bonuses, participation payments, stock,
stock options, reimbursements, or back or front pay.

     3.  Non-Disparagement. You agree that you will not make any statements that
         -----------------

are professionally or personally disparaging about, or adverse to, the interests
of the Company or its officers, directors, managers or employees, including but
not limited to any statements that disparage any individual associated with the
Company, any product

                                       3

<PAGE>

or service of the Company, the Company's finances, financial condition or
capability, or any other aspect of the business of the Company, and you will not
engage in any conduct which is intended to harm professionally or personally the
reputation of the Company, its officers, directors, managers or employees.

     4.  Confidentiality of this Agreement. You agree that you will keep all
         ---------------------------------
information relating in any way to this Agreement, including the terms and
amount of financial consideration provided for in this Agreement, completely
confidential, and that you will not disclose any information concerning this
Agreement or the circumstances of your separation from the Company to anyone
except your immediate family, your attorney who is assisting you in negotiating
this Agreement and your financial advisor, provided they agree to keep said
information confidential and not to disclose it to others; in response to a
lawful subpoena, provided that you notify the Company immediately upon receipt
of the subpoena and prior to disclosing such information; or as otherwise
required by law, the Equal Employment Opportunity Commission ("EEOC") or the
Massachusetts Commission Against Discrimination ("MCAD"). You further agree to
give the Company seven (7) days notice before making any disclosures barred by
this to allow it the opportunity to assent or seek injunctive relief. You agree
that neither this Agreement nor any part of it is to be construed, used or
admitted into evidence in any kind of legal proceeding, except one brought for
the purpose of enforcing this Agreement, or as otherwise required by law.

     5.  Company Property. Except as provided in Section 2(c), you have returned
         ----------------
or will immediately return to the Company following the Separation Date all
Company property, including but not limited to all documents, reports, files,
memoranda, records, computer software, credit cards, door and file keys, laptop
computers, cellular telephones, computer access codes, disks and instructional
manuals, and any and all other physical, tangible or personal property that you
received, prepared or helped prepare in connection with your employment with the
Company; and you will not retain any copies, duplicates, reproductions, or
excerpts of any of this material, nor show or give any of the above to any third
party who is not an employee or consultant of the Company.

     6.  Nondisclosure of Confidential or Proprietary Information. You
         --------------------------------------------------------
acknowledge that in the course of your employment with the Company, you have
become acquainted with and/or developed certain confidential or proprietary
information belonging to the Company and its customers, that this confidential
or proprietary information is not generally known outside of the Company, and
that the protection of such confidential or proprietary information is necessary
to the successful conduct of the Company's business and the preservation of the
integrity of its relationships with its customers. Therefore, you agree that
you will comply fully with the terms and conditions of your (i) Invention,
Non-Disclosure and Non-Competition Agreement, dated August 1, 2000, and (ii)
Invention and Non-Disclosure Agreement, dated April 23, 1996, (together, the
"Non-Disclosure Agreements") relating to inventions and confidential information
between you and the Company, that the terms of the Non-Disclosure Agreements
will survive the signing of this Agreement, and that you will comply fully with
any and all common law and/or statutory obligations relating to protection and
non-disclosure of the Company's trade secrets and/or confidential and
proprietary documents and information.

                                       4

<PAGE>

     7.  General Release of Claims. In consideration of the Severance Benefits,
         -------------------------
which you acknowledge you would not otherwise be entitled to receive, you hereby
fully, forever, irrevocably and unconditionally release, remise and discharge
the Company, including, but not limited to, its current and former officers,
directors, stockholders, corporate affiliates, subsidiaries, parent companies,
agents and employees (each in their individual and corporate capacities)
(hereinafter, the "Released Parties") from any and all claims, charges,
complaints, demands, actions, causes of action, suits, rights, debts, sums of
money, costs, accounts, covenants, contracts, agreements, promises, doings,
omissions, damages, executions, obligations, liabilities, and expenses
(including attorneys' fees and costs) of every kind and nature which you ever
had or now have against the Released Parties arising out of your employment with
and/or separation from the Company, including, but not limited to, all
employment discrimination claims under Title VII of the Civil Rights Act of
1964, 42 U.S.C. ss.2000e et seq., the Americans With Disabilities Act of 1990,
                         -- ---
42 U.S.C., ss.12101 et seq., the Age Discrimination in Employment Act, 29 U.S.C.
                    -- ---
ss.621 et seq.; the Family and Medical Leave Act of 1993, 29 U.S.C. ss.2601
       -- ---
et seq., the Massachusetts Fair Employment Practices Act, M.G.L. c.151B, ss.1
-- ---
et seq.; and any and all other similar applicable federal and state statutes,
-- ---
all as amended; all claims arising out of the Fair Credit Reporting Act, 15
U.S.C. ss.1681 et seq.; the Worker Adjustment and Retraining Notification Act,
               -- ---
29 U.S.C. ss.2101 et seq.; the Massachusetts Civil Rights Act, M.G.L. c.12
                  -- ---
ss.11H and 11I; the Massachusetts Equal Rights Act, M.G.L. c.93 ss.102 and
M.G.L. c.214, ss.1C; the Massachusetts Labor and Industries Act, M.G.L. c. 149,
ss.1 et seq.; and the Massachusetts Privacy Act, M.G.L. c.214, ss.1B, all as
     -- ---
amended; all common law claims including, but not limited to, actions in tort,
defamation and breach of contract (including, without limitation, any claims
arising out of or related to the Offer Letter); all claims to any non-vested
ownership interest in the Company, contractual or otherwise, including, but not
limited to, claims to stock or stock options; and any claim or damage arising
out of your employment with or separation from the Company (including a claim
for retaliation) under any common law theory or any federal, state or local
statute or ordinance not expressly referenced above; provided, however, that
nothing in this Agreement prevents you from filing, cooperating with, or
participating in any proceeding before the EEOC or a state Fair Employment
Practices Agency (except that you acknowledge that you may not be able to
recover any monetary benefits in connection with any such claim, charge or
proceeding). Further, nothing in this section is intended to release the Company
from any unperformed obligations of the Company expressly set forth in this
Agreement, including any claim by you for payment under Section 2 of this
Agreement and including the Company's obligation to indemnify you to the fullest
extent provided in the Company's By-Laws and Certificate of Incorporation, or
things that cannot be released by law.

                                       5

<PAGE>

     8.  Entire Agreement. You acknowledge and agree that, with the exception of
         ----------------
(i) the Non-Disclosure Agreements referenced in Section 6 above, (ii) any stock
option agreement(s) and (iii) any amendment to your stock option agreement(s),
the terms of which are hereby incorporated by reference and will survive the
signing of this Agreement, this Agreement contains and constitutes the entire
understanding and agreement between the Company with respect to severance
benefits and settlement of claims against the Company and supersedes and cancels
all previous written or verbal negotiations, understandings, agreements,
commitments, and writings in connection herewith. However, nothing contained in
this Agreement is intended to be or should be construed as abrogating any of the
Company's obligations to you as a former employee that specifically are provided
in Company benefit plans. You do not release the Company from any obligations to
indemnify you to the fullest extent provided in the Company's By-Laws and
Certificate of Incorporation.

     9.  Amendment. This Agreement may not be released, discharged, abandoned,
         ---------
supplemented, amended, changed, or modified in any manner, orally or otherwise,
except in writing concurrently or subsequent to its execution date, signed by a
duly-authorized officer or representative of you and the Company.

     10. Assignment. You may not assign this Agreement or any interest herein,
         ----------
by operation of law or otherwise, without the prior written consent of the
Company. This Agreement will be binding upon and will inure to the benefit of
you and the Company and any successor to the Company, which successor will be
deemed substituted for the Company under the provisions of this Agreement. For
the purposes of this Agreement, the term "successor" will mean any person, firm,
corporation or other business entity which at any time, whether by merger,
purchase, liquidation or otherwise, will acquire all or substantially all of the
assets or business of the Company.

     11. Governing Law and Construction. The terms of this Agreement are
         ------------------------------
contractual in nature, and it will take effect as a sealed document. This
Agreement will be governed by and construed in accordance with the laws of The
Commonwealth of Massachusetts without reference to conflicts of laws rules, and
this Agreement will be deemed to have been executed and performed in The
Commonwealth of Massachusetts and will be enforceable only in a court of
competent jurisdiction located in Massachusetts. Captions herein are inserted
for convenience, do not constitute a part of this Agreement, and will not be
admissible for the purpose of proving the intent of the parties to this
Agreement.

     12. Execution. This Agreement may be executed in two (2) or more duplicate
         ---------
counterparts, each of which will be deemed an original, but all of which
together will constitute one and the same instrument, and in pleading or proving
any provision of this Agreement it will not be necessary to produce more than
one such counterpart.

     13. Waiver. Failure by either you or the Company to insist upon strict
         ------
compliance with any of the terms of this Agreement, in whole or in part,
in any one instance, will not be deemed a waiver of such terms or of any other
term in another instance.

                                       6

<PAGE>

     14. Validity. Should any provision of this Agreement be declared or be
         --------
determined by any court of competent jurisdiction to be illegal or invalid, the
validity of the remaining parts, terms or provisions will not be affected
thereby and said illegal or invalid part, term or provision will be deemed not
to be a part of this Agreement.

     15. Breach. It is agreed that in the event one party to this Agreement
         ------
breaches any part or parts of this Agreement, legal proceedings may be
instituted against that party for breach of contract. However, the breach of
Section 3, 4, 5, 6 or 7 by you will constitute a material breach of this
Agreement and will relieve the Company of any further obligations hereunder and,
in addition to any other legal or equitable remedy available to the Company,
will entitle the Company to accelerate your Separation Date and/or to recover
any severance pay and the cost of benefits already paid to you pursuant to
Section 2 of this Agreement.

     16. EEOC or MCAD Investigation. Nothing in this Agreement will prohibit or
         --------------------------
restrict, or be construed as prohibiting or restricting, you from cooperating
with, or disclosing information or this Agreement to the EEOC or MCAD, and this
section will override any provision to the contrary in this Agreement.

     17. REPRESENTATIONS AND ACKNOWLEDGEMENTS. BY EXECUTING THIS AGREEMENT, YOU
         ------------------------------------
ARE REPRESENTING AND ACKNOWLEDGING THAT:

         (a) THE ONLY CONSIDERATION FOR SIGNING THIS AGREEMENT IS THE TERMS
STATED HEREIN AND NO OTHER PROMISES OR AGREEMENTS OF ANY KIND HAVE BEEN MADE TO
OR WITH YOU BY ANY PERSON OR ENTITY WHATSOEVER TO CAUSE YOU TO SIGN THIS
AGREEMENT.

         (b) NEITHER THE COMPANY NOR ITS AGENTS OR REPRESENTATIVES HAVE MADE ANY
REPRESENTATIONS TO YOU INCONSISTENT WITH THE PROVISIONS OF THIS AGREEMENT.

         (c) YOU HAVE CAREFULLY READ THIS AGREEMENT, HAVE HAD AN OPPORTUNITY TO
CONSULT WITH AND REVIEW THIS AGREEMENT WITH AN ATTORNEY OF YOUR CHOICE AND HAVE
BEEN AFFORDED SUFFICIENT TIME TO UNDERSTAND THE TERMS AND EFFECTS OF THIS
AGREEMENT.

         (d) YOU UNDERSTAND THE CONTENTS, MEANING, INTENT AND FINAL AND BINDING
EFFECT OF THIS AGREEMENT, AND YOU FREELY, VOLUNTARILY, KNOWINGLY AND WITHOUT
DURESS ASSENT TO ALL OF ITS TERMS AND CONDITIONS, AND SIGN THE AGREEMENT AS YOU
OWN FREE ACT WITH THE FULL INTENT OF RELEASING THE COMPANY FROM ALL CLAIMS.

                                       7

<PAGE>

     If the foregoing correctly sets forth our understanding and you accept
the terms of this Agreement, please acknowledge your agreement by signing and
dating both copies of the Agreement and returning one copy of this Agreement to
Ms. Claudia McNair, Executive Director, Human Resources, 61 Moulton Street,
Cambridge, MA 02138.

         Sincerely,

         CURIS, Inc.

By:  /s/ Daniel R. Passeri
     -----------------------------------
     Daniel R. Passeri, J.D.
     President and Chief Executive Officer

     In consideration of the promises, conditions and representations set forth
in the above Agreement. I hereby CONFIRM, ACCEPT AND AGREE to the terms of the
Agreement set forth in this letter on this 19 day of March, 2002:

     /s/ George A. Eldridge
------------------------------------
       George A. Eldridge

                                       8

<PAGE>

                                  ATTACHMENT A

                                     RELEASE

     In consideration of the Severance Benefits, which you acknowledge you would
not otherwise be entitled to receive, you hereby fully, forever, irrevocably and
unconditionally release, remise and discharge the Company, including, but not
limited to, its current and former officers, directors, stockholders, corporate
affiliates, subsidiaries, parent companies, agents and employees (each in their
individual and corporate capacities) (hereinafter, the "Released Parties") from
any and all claims, charges, complaints, demands, actions, causes of action,
suits, rights, debts, sums of money, costs, accounts, covenants, contracts,
agreements, promises, doings, omissions, damages, executions, obligations,
liabilities, and expenses (including attorneys' fees and costs) of every kind
and nature which you ever had or now have against the Released Parties arising
out of your employment with and/or separation from the Company, including, but
not limited to, all employment discrimination claims under Title VII of the
Civil Rights Act of 1964, 42 U.S.C. ss.2000e et seq., the Americans With
                                             -- ---
Disabilities Act of 1990, 42 U.S.C., ss.12101 et seq., the Age Discrimination in
                                              -- ---
Employment Act, 29 U.S.C. ss.621 et seq.; the Family and Medical Leave Act of
                                 -- ---
1993, 29 U.S.C. ss.2601 et seq., the Massachusetts Fair Employment Practices
                        -- ---
Act, M.G.L. c.151B, ss.1 et seq.; and any and all other similar applicable
                         -- ---
federal and state statutes, all as amended; all claims arising out of the Fair
Credit Reporting Act, 15 U.S.C. ss.1681 et seq.; the Worker Adjustment and
                                        -- ---
Retraining Notification Act, 29 U.S.C. ss.2101 et seq.; the Massachusetts Civil
                                               -- ---
Rights Act, M.G.L. c.12 ss.11H and 11I; the Massachusetts Equal Rights Act,
M.G.L. c.93 ss.102 and M.G.L. c.214, ss.1C; the Massachusetts Labor and
Industries Act, M.G.L. c. 149, ss.1 et seq.; and the Massachusetts Privacy Act,
                                    -- ---
M.G.L. c.214, ss.1B, all as amended; all common law claims including, but not
limited to, actions in tort, defamation and breach of contract (including,
without limitation, any claims arising out of or related to the Offer Letter);
all claims to any non-vested ownership interest in the Company, contractual or
otherwise, including, but not limited to, claims to stock or stock options; and
any claim or damage arising out of your employment with or separation from the
Company (including a claim for retaliation) under any common law theory or any
federal, state or local statute or ordinance not expressly referenced above;
provided, however, that nothing in this Agreement prevents you from filing,
cooperating with, or participating in any proceeding before the EEOC or a state
Fair Employment Practices Agency (except that you acknowledge that you may not
be able to recover any monetary benefits in connection with any such claim,
charge or proceeding). Further, nothing in this section is intended to release
the Company from any unperformed obligations of the Company expressly set forth
in the Agreement, including any claim by you for payment under Section 2 of the
Agreement, or not permitted to be released by law.

     You acknowledge that you have been given at least seven (7) days to
consider the Agreement and Attachment A and that the Company provided you with
the opportunity to consult with an attorney of your choosing prior to signing
the Agreement and this Attachment A.

                                       9

<PAGE>

     I hereby provide this release of claims as of the current date and
acknowledge that the execution of this Release is part of the consideration for
the Severance Benefits provided by the Company under the Agreement, to which I
acknowledge I would not be entitled if I did not sign this Release.

________________________________            Date:  _______________, 2002
George A. Eldridge

11<PAGE>

                                                                  Exhibit 10.6.5

                                     WAIVER

     This WAIVER dated as of May 15, 2001 (this "Waiver") is among Geerlings &
Wade, Inc. (the "Company") and Citizens Bank of Massachusetts (the "Lender").
Capitalized terms not defined herein shall have the meanings provided in the
Credit Agreement, as defined below.

     WHEREAS, the Company and the Lender have entered into the Credit Agreement
dated as of April 13, 2000, as amended as of December 4, 2000 and as of March 5,
2001 (the "Credit Agreement"); and

     WHEREAS, the Company and the Lender have entered into the First Amended and
Restated Post-Closing Agreement dated as of December 4, 2000; and

     WHEREAS, the parties hereto desire to execute this Waiver in connection
with an Event of Default under the Credit Agreement;

     NOW, THEREFORE, the parties hereto agree as follows:

     1. Waiver. The Lender hereby waives (a) the requirement set forth in the
First Amended and Restated Post-Closing Agreement that the Company deliver to
the Lender the Acknowledgement and Consent attached to the Collateral Assignment
of Lease for the Canton, Massachusetts real estate, as executed by the Landlord
of such real estate and (b) any Event of Default under the Credit Agreement
which has occurred as a result of the Company's failure to deliver such
Acknowledgement and Consent. The Company hereby acknowledges that the Lender
shall have the right to exclude from the borrowing base any eligible inventory
which is stored or otherwise kept on the Canton, Massachusetts real estate until
such time, if ever, as the Company delivers such Acknowledgement and Consent.

     2. No Default. In order to induce the Lender to enter into this Waiver, the
Company hereby represents and warrants that after giving effect to the Waiver,
no Default under the Credit Agreement shall exist.

     3. Miscellaneous. Except to the extent expressly set forth herein, the
provisions of the Credit Agreement shall remain unmodified and the Credit
Agreement is hereby confirmed as being in full force and effect. This Waiver may
be executed in any number of counterparts which together shall constitute one
instrument, shall be governed by and construed in accordance with the laws of
The Commonwealth of Massachusetts (other than conflict of laws rules), and shall
bind and inure to the benefit of the parties hereto and their respective
successors and assigns.

<PAGE>

     IN WITNESS WHEREOF, the parties have caused this Waiver to be executed and
delivered by their duly authorized officers as of the date first above written.

                              GEERLINGS & WADE, INC.

                              By /s/ David R. Pearce
                                 --------------------------------
                                 David R. Pearce
                                 President and Chief Executive Officer

                              CITIZENS BANK OF MASSACHUSETTS

                              By /s/ Michael Bulman
                                 --------------------------------
                                 Title: Senior Vice President

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