Document:

Letter Loan Agreement

 EXHIBIT 10.1 
  

							
	 

  
	 		 		 	 Branch Banking & Trust Co.
  

	  

		 		 		 	 Correspondent Banking
  
 P.O. Box 628
  
 Monroe, NC 28111-0628

 LETTER LOAN AGREEMENT - LINE OF CREDIT 
 June 25, 2008 
 Mr. Greg Gibson 
 Chief Executive Officer 
 1st Financial Services Corporation 
 101 Jack
Street 
 Hendersonville, NC 28792 
  

	RE:	Line of Credit 

 Dear Greg: 
 This letter sets forth the terms and conditions under which Branch Banking and Trust Company (“Bank”)
shall make to 1st Financial Services Corporation (“Borrower”) the following loan: 
 A revolving line of credit (“Line”) up to the maximum principal amount outstanding of ten million dollars ($10,000,000) subject to the terms and conditions of
this agreement. 
 Borrower and Bank hereby further agree as follows: 
  

	1.	Promissory Note. All advances made to Borrower under the Line shall be evidenced by Borrower’s Promissory Note dated of even date herewith in the face amount of
$10,000,000, which shall bear interest, prior to default, at the one Month LIBOR Rate, adjusted monthly on the first day of each month for each LIBOR interest period, as defined in Bank’s Note, plus one and one halve percent (1.50%) per
annum (including all extensions, renewals, modifications and substitutions thereof, the “Note”). From and after the occurrence of an event of default hereunder, Bank shall be entitled to charge interest at the default rate, as set forth in
the Note, at its option. 

  

	2.	Advances and Repayment. Prior to maturity on June 25, 2009, or an occurrence of an event of default hereunder, Bank shall make advances at the request of the authorized
officers of Borrower up to an aggregate principal amount not to exceed $10,000,000 at any time. Borrower may borrow, repay, and re-borrow any time through maturity. Accrued interest only shall be repayable quarterly beginning on September 25,
2008. One final payment of the entire unpaid principal balance then outstanding with accrued interest thereon shall be due in full at maturity or it may be repaid over a period of five years in equal annual installments. 

 Bank shall not be obligated to make advances after an event of default hereunder, but may do so in its sole discretion. 

	3.	Collateral. To secure payment of the Line, Borrower shall grant, pledge, assign and/or convey to Bank the following: 

 A first and prior security interest in the securities, securities account(s), mutual fund account(s), or other investment property or
financial asset(s) of 1st Financial services Corporation, pursuant to appropriate pledge, security and control agreements. 
  

	4.	Fees and Taxes. If not previously paid, Borrower shall pay a commitment/origination fee in the amount of $5,000 at closing. In addition, Borrower shall pay all legal fees and
all other costs and expenses incurred by Bank in connection with the making, documenting and closing of the Loan. 

 OTHER
TERMS AND CONDITIONS: 
 Representations and Warranties. Borrower represents and warrants to Bank (which shall survive the execution hereof)
that: (i) it is a corporation duly organized and validly existing in good standing under the laws of North Carolina, having the legal name set forth in the first paragraph hereof; (ii) Borrower owns the Collateral free and clear of all
liens, security interests, and encumbrances except for those granted to Bank; (iii) Borrower has paid all income and property taxes due and owing by Borrower; (iv) there is no pending or threatened litigation against Borrower or the
Collateral which, if adversely decided, would materially and adversely affect the financial condition of Borrower; (v) all financial reports, statements, and related information furnished to Bank on Borrower accurately reflect its financial
condition on the dates thereof, and no material adverse change has occurred in such financial conditions since the date of the most recently furnished thereof; (vi) it has all necessary and appropriate authority to borrow money and pledge
assets under its Articles of Incorporation and no consents are required of its shareholders to be obtained or, if required, such consent has been obtained; (vii) this agreement, the Note, the Security Agreement, and all other security documents
and agreements executed by Borrower in connection therewith constitutes the valid and legally binding obligation of Borrower enforceable against Borrower in accordance with their terms; and (viii) authorized officers of Borrower have read this
agreement, the Note, and the accompanying security documents and fully understands and accept each of their respective terms. 
 Covenants.

  

	 	a.	Borrower shall: (I) maintain its existence in good standing as a corporation; (ii) maintain its current management and ownership; (iii) maintain insurance covering
the risks usually carried by companies in the same business with an insurance company acceptable to Bank; (iv) furnish, in addition to an annual financial statement within 120 days after the end of each fiscal year, a quarterly financial
statement within 30 days after the end of such period consistently prepared in accordance with GAAP and in a form satisfactory to Bank; (v) furnish information and documentation as required by the Bank sufficient to verify the identify of the
Borrower as required under the USA Patriot Act; (vi) furnish notice to Bank of any event of default under this agreement, of any law suit against Borrower involving any claim of $10,000 or more, or of any complaint involving a violation of
environmental law; and (vii) comply with applicable law including without limitation payment of all taxes due (including withholding taxes). 

  

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	 	b.	Borrower shall not, without the prior written consent of Bank: (i) grant or permit a security interest, lien or encumbrance of any kind on the Collateral; (ii) incur or
guarantee any significant debt except to Bank and except for debt showing on its most recent financial statement preceding this agreement, other than trade accounts payable incurred in the ordinary course of business or purchase money loans which
are secured only by the asset purchased; (iii) sell all or substantially all of its assets to any person or entity. 

 Key Financial
Ratios and Limitations. Borrower shall at all times maintain the following financial covenants and ratios all in accordance with GAAP unless otherwise specified: 
  

	 	a.	Minimum equity of $45 million; 

  

	 	b.	Minimum return on assets (ROA) of .50%; 

  

	 	c.	Minimum loan loss reserve of 1.00%; 

  

	 	d.	Maximum nonperforming assets to total assets of 1.25%. 

 Events of
Default. Borrower shall be in default under this agreement upon the occurrence of any of the following events: (i) failure to pay within five (5) days of the date due any installment of principal or interest under the Note;
(ii) should any representation or warranty made herein or in any security document, or should any financial statement furnished, be false or misleading in any material respect; (iii) failure to comply with any covenant or requirement set
forth in this agreement, the Note, or any security document; (iv) failure to maintain its existence as a corporation, (v) should Borrower become a “debtor”, as defined in the U.S. Bankruptcy Code, whether voluntarily or
otherwise; (vi) should the liens and security interests granted to Bank in the Collateral fail to have the priority expected or should the security instruments be invalid or unenforceable for any reason, or (vii) should Bank in good faith
deem itself insecure or believe that the prospect of payment or performance by Borrower is impaired. 
 Remedies. Upon the occurrence of any one or
more events of default listed above, Bank may, at its option, take all or any number of the following actions: (i) declare the outstanding balance of the Note to be immediately due and payable together with accrued interest without demand
presentment, protest or notice thereof of any kind, all of which are hereby waived by Borrower; (ii) take immediate possession of the Collateral and foreclose upon the same; (iii) exercise all rights of offset against Borrower’s
accounts with Bank; (iv) exercise all rights and remedies of a secured party under the North Carolina Uniform Commercial Code, and (v) exercise all other legal rights and remedies. 
 Miscellaneous Covenants. Borrower and Bank further agree as follows: 
  

	 	a.	This agreement is made in and shall be construed in accordance with the laws of the State of North Carolina and shall bind Borrower and its successors and assigns.

  

	 	b.	This agreement may not be modified or supplemented except by a written instrument signed by Borrower and Bank. 

  

	 	c.	Should Borrower default in the payment or performance of its obligations hereunder, and Bank believes it necessary to employ an attorney to assist in the enforcement hereof or
collection of the debt, or to defend Bank in a law suit or other legal proceeding, Borrower hereby agrees to pay all attorneys’ fees, related fees and expenses, and all court costs that may be reasonably incurred by Bank, whether or not any
suit or proceeding actually commences. 

  

 3 

	 	d.	This agreement, the Note(s), and the security documents executed in connection herewith constitute the entire agreement among the parties hereto and no oral agreements or unwritten
understandings with respect to the indebtedness and obligations described in this agreement exist as of the date hereof. 

  

	 	e.	Borrower shall indemnify and hold Bank harmless from, and shall reimburse Bank for, all obligations, suits, judgments, claims, demands, damages, proceedings, expenses (including all
attorneys’ fees), or liabilities whatsoever which may be asserted against Bank or which may be incurred by Bank arising out of or relating to a breach of Borrower’s representations and warranties made in Paragraph 3 hereof, or arising out
of or relating to a breach or non-performance by Borrower of any covenant or provision of this agreement. 

  

	 	f.	The failure or delay of Bank to exercise any right under this agreement, the Note(s), or the security documents, shall not operate as a waiver thereof, and any single or partial
exercise of any such right shall not preclude the exercise of any other right or remedy which Bank may have hereunder or by law. 

  

	 	g.	Borrower shall furnish to Bank upon Bank’s request any additional financial information, reports on the Collateral, and any information or documentation, including but not
limited to Borrower’s legal name, address, and tax identification number sufficient for the Bank to verify the identify of the Borrower in accordance with the USA Patriot Act. Borrower shall notify Bank promptly of any change in such
information. 

 Upon Borrower’s acceptance of the terms and provisions of this agreement, the Note and the accompanying security
documents, please so indicate by having the duly authorized officer of Borrower sign below on its behalf. We appreciate the opportunity to offer this commitment to your company and look forward to establishing a continued, mutually beneficial
relationship. 
 Sincerely, 
 BRANCH BANKING AND TRUST COMPANY

  

			
	By:	 	 /s/ Clegg E. Sell, Jr.

	Title:	 	SVP
	Phone:	 	704 239 7438

 Read and accepted this 25 day of June, 2008. 
  

					
	1st Financial Services Corporation	 	(SEAL)
	 (Name of Borrower)
	 	
			
	By:	 	 /s/ Gregory Gibson
	 	
	Title:	 	CEO	 	

  

 4Promissory Note

 EXHIBIT 10.2 
  

			
	Borrower:	 	 1st FINANCIAL
SERVICES CORPORATION

													
	Account Number:	 	[REDACTED]	  	 BB&T
 PROMISSORY NOTE
	  	Note Number: 00001	  		  	
	Address:	 	101 JACK STREET	  	  	Monroe, North Carolina	  		  	
		 	HENDERSONVILLE, NC 28792	  	  	Date: June 25, 2008	  	

 THE UNDERSIGNED BORROWER REPRESENTS THAT THE LOAN EVIDENCED HEREBY IS BEING OBTAINED FOR BUSINESS/COMMERCIAL OR
AGRICULTURAL PURPOSES AND NOT FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES. For value received, the undersigned, jointly and severally, if more than one, promises to pay to BRANCH BANKING AND TRUST COMPANY, a North Carolina banking corporation
(the “Bank”), or order, at any of Bank’s offices in the above referenced city (or such other place or places that may be hereafter designated by Bank), the sum of Ten Million Dollars ($10,000,000), in immediately
available coin or currency of the United States of America. 
  

	 ̈	Borrower shall pay a prepayment fee as set forth in the Prepayment Fee Addendum attached to this Promissory Note (this “Note”). 

 Interest shall accrue from the date hereof on the unpaid balance outstanding from time to time at the: 
  

	 ̈	Fixed rate of             % per annum. 

  

	 ̈	Variable rate of the Bank’s Prime Rate plus              % per annum to be adjusted
             as the Bank’s Prime Rate changes. If checked here   ̈, the interest rate will not exceed a(n)   ̈ fixed   ̈ average maximum rate of             % or a   ̈ floating maximum rate of the greater of              % or the Bank’s Prime Rate; and the interest rate will not decrease below a fixed
minimum rate of              %. If an average maximum rate is specified, a determination of any required reimbursement of interest by Bank will be made:  ̈
 when Note is repaid in full by Borrower  ̈ annually beginning on             . 

  

	 ̈	Fixed rate of              % per annum through
             which automatically converts on              to a variable rate equal to the Bank’s Prime Rate
plus              % per annum which shall be adjusted              as such Prime Rate changes.

  

	x	Adjusted LIBOR Rate, as defined on the attached Addendum to Promissory Note and incorporated herein by reference. 

 Principal and interest are payable as follows: 
  

							
	 x       Principal (plus any accrued interest not otherwise
scheduled herein)
	 	 }
	 	is due in full at maturity on June 25, 2009.
	  ̈        Principal plus accrued
interest
	 	 	
	  ̈        Payable in consecutive
             installments of
	 	 ̈ Principal	 		 	
				
		 	 ̈ Principal and Interest	 	 }
	 	commencing on             

 and continued on the same day of each calendar period thereafter, in
             equal payments of $            , with one final payment of all remaining principal and accrued
interest due on             . 
  

	x	Accrued interest is payable quarterly commencing on September 25, 2008 and continuing on the same day of each calendar period thereafter, with one final payment of all
remaining interest due on June 25, 2009. 

  

	 ̈	Bank reserves the right in its sole discretion to adjust the fixed payment due hereunder              on
             and continuing on the same day of each calendar period thereafter, in order to maintain an amortization period of no more than
             months from the date of this Note. Borrower understands the payment may increase if interest rates increase. 

  

	x	Prior to an event of default, Borrower may borrow, repay, and reborrow hereunder pursuant to the terms of the Loan Agreement, hereinafter defined. 

  

	 ̈	             

  

	 ̈	Borrower hereby authorizes Bank to automatically draft from its demand, deposit, or savings account(s) with Bank or other bank, any payment(s) due under this Note on the date(s)
due. Borrower shall provide appropriate account number(s) for account(s) at Bank or other bank. 

 Borrower shall pay to Bank,
or order, a late fee in the amount of four percent (4%) of any installment past due for fifteen (15) or more days. When any installment payment is past due for fifteen (15) or more days, subsequent payments shall first be applied to
the past due balance. In addition, the undersigned shall pay to Bank a returned payment fee if the undersigned or any other obligor hereon makes any payment at any time by check or other instrument, or by any electronic means, which is returned to
Bank because of nonpayment due to nonsufficient funds. 
 All interest shall be computed and charged for the actual number of days elapsed on
the basis of a year consisting of three hundred sixty (360) days. In the event periodic accruals of interest shall exceed any periodic fixed payment amount described above, the fixed payment amount shall be immediately increased, or additional
supplemental interest payments required on the same periodic basis as specified above (increased fixed payments or supplemental payments to be determined in the Bank’s sole discretion), in such amounts and at such times as shall be necessary to
pay all accruals of interest for the period and all accruals of unpaid interest from previous periods. Such adjustments to the fixed payment amount or supplemental payments shall remain in effect for so long as any interest accruals shall exceed the
original fixed payment amount and shall be further adjusted upward or downward to reflect changes in any variable interest rate; provided that unless elected otherwise above, the fixed payment amount shall not be reduced below the original fixed
payment amount. However, Bank shall have the right, in its sole discretion, to lower the fixed payment amount below the original payment amount. Notwithstanding any other provision contained in this Agreement, in no event shall the provisions of
this paragraph be applicable to any Promissory Note which requires disclosures pursuant to the Consumer Protection Act (Truth-In-Lending Act), 15 USC § 1601, et seq., as implemented by Regulation Z. 
  

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 This Note is given by the undersigned in connection with the following agreements (if any) between the
undersigned and the Bank: 
 Deed(s) of Trust / S.C. Mortgage(s) granted in favor of Bank as beneficiary / mortgagee: 
  

	 ̈	dated              in the maximum principal amount of
$             

 granted by
              
  

	 ̈	dated              in the maximum principal amount of
$             

 granted
by              
 Security Agreement(s) conveying a security interest to Bank:

  

	 ̈	dated              given by             

  

	 ̈	dated              given by             

  

	 ̈	Securities Account Pledge and Security Agreement dated           , executed by
          . 

  

							
	 ̈ Control Agreement(s) dated             , covering	 	 ̈ Deposit Account(s)	 	 ̈ Investment Property	 	
				
		 	 ̈ Letter of Credit Rights	 	 ̈ Electronic Chattel Paper	 	

  

	 ̈	Assignment of Certificate of Deposit, Security Agreement, and Power of Attorney (for Certificated Certificates of Deposit) dated
            , executed by             . 

  

	 ̈	Pledge and Security Agreement for Publicly Traded Certificated Securities dated
                        , executed by
                    . 

  

	 ̈	Assignment of Life Insurance Policy as Collateral dated
                            , executed by
            . 

  

	x	Letter Loan Agreement dated June 25, 2008, executed by  x Borrower and   ̈ Guarantor(s). 

  

	x	Pledge and Security Agreement dated June 25, 2008. 

 All of the terms, conditions and covenants of the above described agreements (the “Agreements”) are expressly made a part of this Note by reference in the same manner and with the same effect as if set forth herein at length, and
any holder of this Note is entitled to the benefits of and remedies provided in the Agreements and any other agreements by and between the undersigned and the Bank. In addition to Bank’s right of set-off and to any liens and security interests
granted to Bank in the Agreements, the undersigned hereby grants to Bank a security interest in all of its deposit accounts with and investment property held by Bank, which shall serve as collateral for the indebtedness and obligations evidenced by
this Note. 
 No delay or omission on the part of the holder in exercising any right hereunder shall operate as a waiver of such right or of
any other right of such holder, nor shall any delay, omission or waiver on any one occasion be deemed a bar to or waiver of the same or of any other right on any future occasion. Every one of the undersigned and every endorser or guarantor of this
note regardless of the time, order or place of signing waives presentment, demand, protest and notices of every kind and assents to any one or more extensions or postponements of the time of payment or any other indulgences, to any substitutions,
exchanges or releases of collateral if at any time there be available to the holder collateral for this Note, and to the additions or releases of any other parties or persons primarily or secondarily liable. 
 The failure to pay any part of the principal or interest when due on this Note or to fully perform any covenant, obligation or warranty on this or
on any other liability to the Bank by any one or more of the undersigned, by any affiliate of the undersigned (as defined in 11 USC Section (101)(2)), or by any guarantor or surety of this Note (said affiliate, guarantor, and surety are herein
called “Obligor”); or if any financial statement or other representation made to the Bank by any of the undersigned or any Obligor shall be found to be materially incorrect or incomplete; or if any of the undersigned shall fail to furnish
information and documentation to the Bank sufficient to verify the identity of the undersigned as required under the USA Patriot Act; or in the event of a default under any of the Agreements or any other obligation of any of the undersigned or any
Obligor; or should the Bank demand that the undersigned secure or provide additional security for its obligations under this Note and security deemed adequate and sufficient by the Bank is not given when demanded; or in the event one or more of the
undersigned or any Obligor shall die, terminate its existence, allow the appointment of a receiver for any part of its property, make an assignment for the benefit of creditors, or should a proceeding under bankruptcy or insolvency laws be initiated
by or against any of the undersigned or any Obligor; or should the Bank otherwise deem itself, its security interests, or any collateral unsafe or insecure; or should the Bank in good faith believe that the prospect of payment or other performance
is impaired; or if there is an attachment, execution, or other judicial seizure of all or any portion of the Borrower’s or any Obligor’s assets, including an action or proceeding to seize any funds on deposit with the Bank, and such
seizure is not discharged within 20 days; or if final judgment for the payment of money shall be rendered against the Borrower or any Obligor which is not covered by insurance or debt cancellation contract and shall remain undischarged for a period
of 30 days unless such judgment or execution thereon is effectively stayed; or should any guarantor terminate any guaranty agreement given in connection with this Note, then any one of the same shall be a material default hereunder and this Note and
other debts due the Bank by any one or more of undersigned shall immediately become due and payable at the option of the Bank without notice or demand of any kind, which is hereby waived. From and after any event of default hereunder, interest shall
accrue on the sum of the principal balance and accrued interest then outstanding at the variable rate equal to the Bank’s Prime Rate plus 5% per annum (“Default Rate”) until such principal and interest have been paid in full,
provided that such rate shall not exceed at any time the highest rate of interest permitted by the laws of the State of North Carolina; and further provided that such rate shall apply after judgment. In addition, upon default, the Bank may pursue
its full legal remedies at law or equity, and the balance due hereunder may be charged against any obligation of the Bank to any party including any Obligor. Bank shall not be obligated to accept any check, money order, or other payment
instrument marked “payment in full” on any disputed amount due hereunder, and Bank expressly reserves the right to reject all such payment instruments. Borrower agrees that tender of its check or other payment instrument so marked will not
satisfy or discharge its obligation under this Note, disputed or otherwise, even if such check or payment instrument is inadvertently processed by Bank unless in fact such payment is in fact sufficient to pay the amount due hereunder. 

 Unless otherwise required under a Loan Agreement, if applicable, and as long as any indebtedness evidenced by this Note remains
outstanding or as long as Bank remains obligated to make advances, the undersigned shall furnish annually an updated financial statement in a form satisfactory to Bank, which, when delivered shall be the property of the Bank. 
 The term “Prime Rate,” if used herein, means the rate of interest per annum announced by the Bank from time to time and adopted as its Prime
Rate at its executive offices in Winston-Salem, North Carolina. The Prime Rate is one of several rate indexes employed by the Bank when extending credit, and not necessarily the lowest rate. Any change in the interest rate resulting from a change in
the Bank’s Prime Rate shall become effective as of the opening of business on the effective date of the change. If this Note is placed with an attorney for collection, the undersigned agrees to pay, in addition to principal, interest, and late
fees, if any, all costs of collection, including but not limited to reasonable attorneys’ fees. All obligations of 

  

 Page 2 of 4 

 
the undersigned and of any Obligor shall bind his heirs, executors, administrators, successors, and/or assigns. Use of the masculine pronoun herein shall
include the feminine and the neuter, and also the plural. If more than one party shall execute this Note, the term “undersigned” as used herein shall mean all the parties signing this Note and each of them, and all such parties shall be
jointly and severally obligated hereunder. Wherever possible, each provision of this Note shall be interpreted in such a manner to be effective and valid under applicable law, but if any provision of this Note shall be prohibited by or invalid under
such law, such provision shall be ineffective but only to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions of this Note. All of the undersigned hereby waive all exemptions
and homestead laws. The proceeds of the loan evidenced by this Note may be paid to any one or more of the undersigned. 
 From time to time the maturity date
of this Note may be extended, or this Note may be renewed in whole or in part, or a new note of different form may be substituted for this Note, or the rate of interest may be modified, or changes may be made in consideration of loan extensions, and
the holder hereof, from time to time may waive or surrender, either in whole or in part any rights, guaranties, secured interest, or liens, given for the benefit of the holder in connection with the payment and the securing the payment of this Note;
but no such occurrence shall in any manner affect, limit, modify, or otherwise impair any rights, guaranties or security of the holder not specifically waived, released, or surrendered in writing, nor shall the undersigned makers, or any obligor,
either primarily or contingently, be released by reason of the occurrence of any such event. The holder hereof, from time to time, shall have the unlimited right to release any person who might be liable hereon, and such release shall not affect or
discharge the liability of any other person who is or might be liable hereon. No waivers and modifications shall be valid unless in writing and signed by the Bank. The Bank may, at its option, charge any fees for the modification, renewal,
extension, or amendment of any of the terms of the Note permitted by N.C.G.S.§ 24-1.1. In case of a conflict between the terms of this Note and the Loan Agreement or Commitment Letter issued in connection herewith, the priority of controlling
terms shall be first this Note, then the Loan Agreement, and then the Commitment Letter. This Note shall be governed by and construed in accordance with the laws of North Carolina. 
 (SIGNATURES ON FOLLOWING PAGE) 
  

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 BB&T 
 PROMISSORY NOTE SIGNATURE PAGE 
  

							
	Borrower:	  	   1st FINANCIAL SERVICES CORPORATION

	Account Number:	  	  [REDACTED]	  	Note Number:	  	  00001
	Note Amount:	  	  $10,000,000.00	  	Date:	  	  June 25, 2008

 Notice of Right to Copy of Appraisal: If a 1-4 family residential dwelling is pledged as collateral
for this Note, you, the undersigned, have a right to a copy of the real estate appraisal report used in connection with your application for credit. If you wish to receive a copy, please notify in writing the branch office where you applied for
credit. You must forward your request to the Bank no later than 90 days after the date of this Note. In your request letter, please provide your name, mailing address, appraised property address, the date of this Note, and the Account and Note
Numbers shown on the front of this Note. 
 IN WITNESS WHEREOF, the undersigned, on the day and year first written above, has caused this note to be executed
under seal. 
 If Borrower is a Corporation: 
  

							
	 	 	 	 	 1st FINANCIAL SERVICES CORPORATION

	 WITNESS:
	 		 	Name of Corporation
				
	 /s/ Clegg E. Sell, Jr.
	 		 	By:	 	 /s/ Gregory Gibson

		 		 		 	GREG GIBSON
		 		 	Title:	 	CHIEF EXECUTIVE OFFICER
				
		 		 	By:	 	  

		 		 		 	Enter Name
		 		 	Title:	 	Title

  

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