Document:

<PAGE>

                                                                  EXHIBIT 10(ad)

                              FIRST AMENDMENT TO
                   REVOLVING MULTICURRENCY CREDIT AGREEMENT

     THIS FIRST AMENDMENT TO REVOLVING MULTICURRENCY CREDIT AGREEMENT (this
"First Amendment to Credit Agreement" or this "Amendment") dated as of March 29,
 -----------------------------------           ---------
1999 is entered into among Johns Manville Corporation, a Delaware corporation
(the "Company"), Johns Manville International, Inc., a Delaware corporation
      -------
("JMII"), the several financial institutions party to the Credit Agreement
  ----
referred to below (collectively, the "Banks"), and Bank of America National
                                      -----
Trust and Savings Association, as Issuing Bank, Swingline Bank and as
administrative agent for itself and the other Banks (in such capacity, the
"Agent").
 -----

                                   RECITALS

     A.  The parties hereto have entered into a Revolving Multicurrency Credit
Agreement dated as of May 15, 1998 (as extended, renewed, amended or restated
from time to time, the "Credit Agreement"), pursuant to which the Agent and the
Banks agreed to make available to the Company and JMII a revolving multicurrency
credit facility with a letter of credit subfacility and a swingline subfacility,
under the terms and conditions set forth in the Credit Agreement.

     B.  The Company, JMII, the Agent and the Banks, subject to the terms and
conditions of this Amendment, have agreed to amend certain language contained in
Annex I to the Credit Agreement which heretofore did not, and in its unamended
form does not now, reflect the intent of the parties to the Credit Agreement.

                                   AGREEMENTS

     NOW, THEREFORE, in consideration of the premises and the mutual promises
herein contained, the parties hereto agree as follows:

     1.  Capitalized Terms.  Capitalized terms used in this Amendment (including
         -----------------
in the Recitals hereof and in the Consent and Agreement of Guarantors attached
hereto) and not otherwise defined shall have the respective meanings set forth
in the Credit Agreement.

     2.  Amendment.  The second paragraph of text located on Annex I to the
         ---------
Credit Agreement is hereby amended and restated in its entirety as follows:

         "If on any date (including any date during the 6-month period following
     the Closing Date) the Effective Amount of all Revolving Loans plus the
                                                                   ----
     Effective Amount of all Swingline Loans plus the Effective Amount of all
                                             ----
     L/C Obligations exceeds 50% of the Aggregate Commitment then in effect, the
     Applicable Margin then in effect shall be increased by 0.10% for such
     date."

                                       1
<PAGE>

     3.  Representations and Warranties.  The Company and JMII hereby represent
         ------------------------------
and warrant to the Agent and each Bank as follows:

         a.  The execution, delivery and performance by the Company and by JMII
of this Amendment have been duly authorized by all necessary action, including
any necessary authorizations by the board of directors of the Company and by the
board of directors of JMII and do not and will not require any registration
with, consent or approval of, notice to or action by, any Person (including any
Governmental Authority) in order to be effective and enforceable.

         b.  This Amendment and the Loan Documents to which the Company and/or
JMII is a party constitute the legal, valid and binding obligations of the
Company and/or JMII, as the case may be, enforceable against the Company and/or
JMII in accordance with their respective terms except to the extent that the
enforceability thereof may be limited by applicable bankruptcy, insolvency,
reorganization, moratorium or other similar laws affecting creditors' rights
generally or by equitable principles relating to enforceability.

         c.  The Company and JMII are each entering into this Amendment on the
basis of its own investigations and for its own reasons, without reliance upon
the Agent, the Banks or any other Person.

     4.  Effective Date.  This Amendment will become effective retroactively to
         --------------
May 15, 1998; provide that the Agent has received from the Company, JMII and all
of the Banks an executed counterpart of this Amendment and the Consent and
Agreement of Guarantors executed by each of the Guarantors.

     5.  Reservation of Right.  The Company and JMII each acknowledges and
         --------------------
agrees that the execution and delivery by the Agent and the Banks of this
Amendment shall not be deemed to create a course of dealing or an obligation to
execute similar waivers or amendments under the same or similar circumstances in
the future.

     6.  Miscellaneous.
         -------------

         a.  Except as expressly waived herein, all terms, covenants and
provisions of the Loan Documents are and shall remain in full force and effect.

         b.  This Amendment shall be binding upon and inure to the benefit of
the Company, JMII, the Agent and the Banks and their respective successors and
assigns. No third party beneficiaries are intended in connection with this
Amendment.

         c.  This Amendment shall be governed by and construed in accordance
with the law of the State of California.

         d.  This Amendment may be executed in any number of counterparts, each
of which shall be deemed an original, but all such counterparts together shall
constitute but one and the same instrument. Each of the parties hereto
understands and agrees that this Amendment (and any other document required
herein) may be delivered by any party thereto either in the

                                       2
<PAGE>

form of an executed original or an executed original sent by facsimile
transmission to be followed promptly by mailing of a hard copy original, and
that receipt by the Agent of a facsimile transmitted document purportedly
bearing the signature of the Company, JMII or any Bank will have the same force
and effect as the delivery of a hard copy original. Any failure by the Agent to
receive the hard copy executed original of such document shall not diminish the
binding effect of receipt of the facsimile transmitted executed original of such
document of the party whose hard copy page was not received by the Agent.

         e.  This Amendment contains the entire and exclusive agreement of the
parties hereto with reference to the matters discussed herein.  This Amendment
supersedes all prior drafts and communications with respect hereto or thereto.
This Amendment may not be amended except in accordance with the provisions of
Section 11.1 of the Credit Agreement.

         f.  If any term or provision of this Amendment shall be deemed
prohibited by or invalid under any applicable law, such provision shall be
invalidated without affecting the remaining provisions of this Amendment or the
Loan Documents.

         g.  The Company and JMII covenant to pay or reimburse the Agent, within
30 days after demand, for all reasonable costs and expenses incurred by the
Agent in connection with the development, preparation, negotiation, execution
and delivery of this Amendment.

                             [Signatures follow.]

                                       3
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have caused this First Amendment to
Revolving Multicurrency Credit Agreement to be executed and delivered in San
Francisco, California, by their duly authorized officers as of the day and year
first written above.

                              JOHNS MANVILLE CORPORATION

                              By: /s/ W. S. Bullock
                                 -----------------------------------------------
                              Title:  Treasurer

                              JOHNS MANVILLE INTERNATIONAL, INC.

                              By: /s/ W. S. Bullock
                                 -----------------------------------------------
                              Title:  Treasurer

                              BANK OF AMERICA NATIONAL TRUST AND SAVINGS
                              ASSOCIATION, as Agent, Issuing
                              Bank, Swingline Bank and a Bank

                              By: /s/ Dan Killian
                                 -----------------------------------------------
                              Title:  Vice President

                              THE BANK OF NOVA SCOTIA, as Co-Agent and a Bank

                              By: /s/ Relationship Manager
                                 -----------------------------------------------
                              Title:  Relationship Manager

                              THE BANK OF NEW YORK

                              By: /s/ Robert Louk
                                 -----------------------------------------------
                              Title:  Vice President

                                       4
<PAGE>

                              BANK ONE COLORADO, N.A.

                              By: /s/ William F. Walker
                                 -----------------------------------------------
                              Title:  Vice President

                              By: /s/ Mariel Keane Hirugh
                                 -----------------------------------------------
                              Title:  Vice President

                              BANQUE NATIONALE DE PARIS

                              By: /s/ Senior Vice President & Manager
                                 -----------------------------------------------
                              Title:  Senior Vice President & Manager

                              By: /s/ Vice President
                                 -----------------------------------------------
                              Title:  Vice President

                              THE LONG-TERM CREDIT BANK OF JAPAN, LTD.

                              By: /s/ DGM
                                 -----------------------------------------------
                              Title:  DGM

                              MELLON BANK, N.A.

                              By: /s/ First Vice President
                                 -----------------------------------------------
                              Title:  First Vice President

                              THE FIRST NATIONAL BANK OF CHICAGO, as Co-Agent
                              and a Bank

                              By: /s/ Kandis A. Jaffrey
                                 -----------------------------------------------
                              Title:  Assistant Vice President

                                       5
<PAGE>

                              FIRST UNION NATIONAL BANK, as Co- Agent
                              and a Bank

                              By: /s/ Paul L. Menconi
                                 -----------------------------------------------
                              Title:  Vice President

                              KEYBANK NATIONAL ASSOCIATION, as
                              Co-Agent and a Bank

                              By: /s/ Mary K. Young
                                 -----------------------------------------------
                              Title:  Assistant Vice President

                              MORGAN GUARANTY TRUST COMPANY OF
                              NEW YORK, as Co-Agent and a Bank

                              By: /s/ Robert Bottamedi
                                 -----------------------------------------------
                              Title:  Vice President

                              NATIONSBANK, N.A., as Co-Agent and a Bank

                              By: /s/ Dan Killian
                                 -----------------------------------------------
                              Title:  Vice President

                                       6
<PAGE>

                              NORWEST BANK COLORADO, N.A.

                              By: /s/ Darlene A. Evans
                                 -----------------------------------------------
                              Title:  Vice President

                              PNC BANK, NATIONAL ASSOCIATION

                              By: /s/ Vice President
                                 -----------------------------------------------
                              Title:  Vice President

                              SUNTRUST BANK, CENTRAL FLORIDA, N.A.

                              By: /s/ Officer
                                 -----------------------------------------------
                              Title:  Officer

                              By: /s/ D. Armstrong
                                 -----------------------------------------------
                              Title:  Vice President

                              UNION BANK OF CALIFORNIA, N.A.

                              By: /s/ Hagop V. Jazmadarian
                                 -----------------------------------------------
                              Title:  Vice President

                              U.S. BANK NATIONAL ASSOCIATION

                              By: /s/ Vice President
                                 -----------------------------------------------
                              Title:  Vice President

                                       7
<PAGE>

                              ABN AMRO BANK N.V.

                              By: /s/ Brian M. Sharpe
                                 -----------------------------------------------
                              Title:  Vice President

                              By: /s/ Steven M. Buehler
                                 -----------------------------------------------
                              Title:  Assistant Vice President

                              FLEET NATIONAL BANK

                              By: /s/ SVP
                                 -----------------------------------------------
                              Title:  SVP

                              BW CAPITAL MARKETS, INCORPORATED

                              By: /s/ Robert B. Herber
                                 -----------------------------------------------
                              Title:  Managing Director

                              By: /s/ Thomas A. Lowe
                                 -----------------------------------------------
                              Title:  Vice President

                                       8
<PAGE>

                      CONSENT AND AGREEMENT OF GUARANTORS

     Each of the undersigned, in its capacity as a Guarantor, acknowledges that
its consent to the foregoing First Amendment to Revolving Multicurrency Credit
Agreement is not required, but each of the undersigned nevertheless does hereby
consent, in its capacity as a Guarantor, to the foregoing First Amendment to
Revolving Multicurrency Credit Agreement and to the documents and agreements
referred to therein.  Nothing herein shall in any way limit any of the terms or
provisions of the Guaranty or Additional Guarantor Assumption Agreement, if any,
of the undersigned executed by the undersigned in the Agent's and the Banks'
favor, or any other Loan Document executed by the undersigned (as the same may
be amended from time to time), all of which are hereby ratified and affirmed in
all respects.

Guarantors:

JOHNS MANVILLE CORPORATION,
as a Guarantor

By: /s/ W. S. Bullock
   ------------------------------------------
Title:  Treasurer

JOHNS MANVILLE INTERNATIONAL, INC.,
as a Guarantor

By: /s/ W. S. Bullock
   ------------------------------------------
Title:  Treasurer

JOHNS MANVILLE INTERNATIONAL GROUP,
INC., as a Guarantor

By: /s/ W. S. Bullock
   ------------------------------------------
Title:  Treasurer

                                       9<PAGE>

                                                                  EXHIBIT 10(ae)

                              SECOND AMENDMENT TO
                   REVOLVING MULTICURRENCY CREDIT AGREEMENT

     THIS SECOND AMENDMENT TO REVOLVING MULTICURRENCY CREDIT AGREEMENT (this
"Second Amendment to Credit Agreement" or this "Amendment") dated as of November
 ------------------------------------           ---------
30, 1999, is entered into among Johns Manville Corporation, a Delaware
corporation (the "Company"), Johns Manville International, Inc., a Delaware
                  -------
corporation ("JMII"), the several financial institutions party to the Credit
              ----
Agreement referred to below (collectively, the "Banks"), and Bank of America,
                                                -----
N.A. (successor to Bank of America National Trust and Savings Association), as
Issuing Bank, Swingline Bank and as administrative agent for itself and the
other Banks (in such capacity, the "Agent").
                                    -----

                                   RECITALS

     A.   The parties hereto have entered into a Revolving Multicurrency Credit
Agreement dated as of May 15, 1998 (as extended, renewed, amended or restated
from time to time, the "Credit Agreement"), pursuant to which the Agent and the
                        ----------------
Banks agreed to make available to the Company and JMII a revolving multicurrency
credit facility with a letter of credit subfacility and a swingline subfacility,
under the terms and conditions set forth in the Credit Agreement.

     B.   The Company, JMII, the Agent and the Banks, subject to the terms and
conditions of this Amendment, have agreed to amend certain provisions of the
Credit Agreement to modify the Company's Minimum Consolidated Net Worth
covenant.

                                  AGREEMENTS

     NOW, THEREFORE, in consideration of the premises and the mutual promises
herein contained, the parties hereto agree as follows:

     1.   Capitalized Terms. Capitalized terms used in this Amendment (including
          -----------------
in the Recitals hereof and in the Consent and Agreement of Guarantors attached
hereto) and not otherwise defined shall have the respective meanings set forth
in the Credit Agreement.

     2.   Amendments.
          ----------

          a.   Amendment to Section 1.1:  Section 1.1 of the Credit Agreement is
               ------------------------
          hereby amended by adding thereto in its proper alphabetical order a
          new definition of "Trust Tax Benefits" to read in its entirety as
          follows:

               "Trust Tax Benefits means, for any fiscal period, the amount of
               tax benefits attributable during such fiscal period (or if such
               fiscal period is a fiscal quarter, to be attributable during the
               fiscal year of which such fiscal period is a part) resulting from
               (a) purchases by
<PAGE>

               the Company during such fiscal year of its common stock from the
               Trust, and/or (b) purchases by the Company during previous fiscal
               years of its common stock from the Trust, if such benefits could
               not be realized during previous fiscal years, each as determined
               on a consolidated basis in accordance with GAAP.

          b.   Amendment to Section 8.12:  Section 8.12 of the Credit Agreement
               -------------------------
          is hereby amended to read in its entirety as follows:

               "8.12  Minimum Consolidated Net Worth. The Company shall not
                      ------------------------------
               permit, as of the last day of any fiscal quarter, Consolidated
               Net Worth to be less than the sum of:

                      (a)  $560,100,000, plus
                                         ----

                      (b)  50% of Consolidated Net Income after September 30,
               1999, through the end of each fiscal quarter thereafter,
               determined on a quarterly basis with no reduction for any
               Consolidated Net Loss, plus
                                      ----

                      (c)  75% of the Net Securities Proceeds arising after
               September 30, 1999, to the date of determination, minus
                                                                 -----

                      (d)  the amount of Trust Tax Benefits for periods after
               September 30, 1999, to the date of determination.

               As used herein, "Net Securities Proceeds" means, with respect to
                                ----------------------
               any sale or issuance of equity securities (whether common or
               preferred, options, warrants or capital appreciation rights, but
               excluding any sales or issuances of stock pursuant to employee
               stock purchase plans, employee stock options plans or other
               employee benefit plans), the excess of (A) the gross cash and
               noncash proceeds received or receivable by the Company or any
               Subsidiary from such issuance minus (B) the sum of (i) all
                                             -----
               Attorney Costs and underwriting and accounting fees and
               disbursements and government fees actually paid (or reasonably
               expected to be paid during the fiscal year in which such sale or
               issuance occurs) in connection with such sale or issuance which
               are not payable to the Company or to any Affiliate of the Company
               or any Subsidiary; and (ii) all taxes actually paid in connection
               with such sale or issuance."

     3.   Representations and Warranties.  The Company and JMII hereby represent
          ------------------------------
and warrant to the Agent and each Bank as follows:

          a.   The execution, delivery and performance by the Company and by
          JMII of this Amendment have been duly authorized by all necessary
          action, including any necessary authorizations by the board of
          directors of

                                       2
<PAGE>

          the Company and by the board of directors of JMII, and do not and will
          not require any registration with, consent or approval of, notice to
          or action by, any Person (including any Governmental Authority) in
          order to be effective and enforceable.

          b.   This Amendment and the Loan Documents to which the Company and/or
          JMII is a party constitute the legal, valid and binding obligations of
          the Company and/or JMII, as the case may be, enforceable against the
          Company and/or JMII in accordance with their respective terms except
          to the extent that the enforceability thereof may be limited by
          applicable bankruptcy, insolvency, reorganization, moratorium or other
          similar laws affecting creditors' rights generally or by equitable
          principles relating to enforceability.

          c.   The Company and JMII are each entering into this Amendment on the
          basis of its own investigations and for its own reasons, without
          reliance upon the Agent, the Banks or any other Person.

     4.   Effective Date.  This Amendment will become effective on November 30,
          --------------
1999; provided that the Agent has received from the Company, JMII and Majority
      --------
Banks an executed counterpart of this Amendment and the Consent and Agreement of
Guarantors executed by each of the Guarantors and the Company has paid an
amendment fee of 2 basis points to each consenting Bank based on such Bank's
Commitment.

     5.   Reservation of Rights.  The Company and JMII each acknowledges and
          ---------------------
agrees that the execution and delivery by the Agent and the Banks of this
Amendment shall not be deemed to create a course of dealing or an obligation to
execute similar waivers or amendments under the same or similar circumstances in
the future.

     6.   Miscellaneous.
          -------------

          a.   Except as expressly waived herein, all terms, covenants and
          provisions of the Loan Documents are and shall remain in full force
          and effect.

          b.   This Amendment shall be binding upon and inure to the benefit of
          the Company, JMII, the Agent and the Banks and their respective
          successors and assigns. No third party beneficiaries are intended in
          connection with this Amendment.

          c.   This Amendment shall be governed by and construed in accordance
          with the law of the State of California.

          d.   This Amendment may be executed in any number of counterparts,
          each of which shall be deemed an original, but all such counterparts
          together shall constitute but one and the same instrument. Each of the
          parties hereto understands and agrees that this Amendment (and any
          other document required herein) may be delivered by any party thereto
          either in

                                       3
<PAGE>

          the form of an executed original or an executed original sent by
          facsimile transmission to be followed promptly by mailing of a hard
          copy original, and that receipt by the Agent of a facsimile
          transmitted document purportedly bearing the signature of the Company,
          JMII or any Bank will have the same force and effect as the delivery
          of a hard copy original. Any failure by the Agent to receive the hard
          copy executed original of such document shall not diminish the binding
          effect of receipt of the facsimile transmitted executed original of
          such document of the party whose hard copy page was not received by
          the Agent.

          e.   This Amendment contains the entire and exclusive agreement of the
          parties hereto with reference to the matters discussed herein. This
          Amendment supersedes all prior drafts and communications with respect
          hereto or thereto. This Amendment may not be amended except in
          accordance with the provisions of Section 11.1 of the Credit
          Agreement.

          f.   If any term or provision of this Amendment shall be deemed
          prohibited by or invalid under any applicable law, such provision
          shall be invalidated without affecting the remaining provisions of
          this Amendment or the Loan Documents.

          g.   The Company and JMII covenant to pay or reimburse the Agent,
          within 30 days after demand, for all reasonable costs and expenses
          incurred by the Agent in connection with the development, preparation,
          negotiation, execution and delivery of this Amendment.

                             [Signatures follow.]

     IN WITNESS WHEREOF, the parties hereto have caused this Second Amendment to
Revolving Multicurrency Credit Agreement to be executed and delivered in Dallas,
Texas, by their duly authorized officers as of the day and year first written
above.

                              JOHNS MANVILLE CORPORATION

                              By:  /s/ Mary K. Rhinehart
                                   --------------------------------
                              Title:  VP & Treasurer

                              JOHNS MANVILLE INTERNATIONAL, INC.

                              By:   /s/ Mary K. Rhinehart
                                    --------------------------------
                              Title:  VP & Treasurer

                                       4
<PAGE>

                              BANK OF AMERICA, N.A., as Agent, Issuing
                              Bank, Swingline Bank and a Bank

                              By:   /s/ Dan Killian
                                    -----------------------------
                              Title:  Principal

                              THE BANK OF NEW YORK, as Syndication
                              Agent and a Bank

                              By:   /s/ Vice President
                                    -----------------------------
                              Title:  Vice President

                              THE BANK OF NOVA SCOTIA, as Co-Agent
                              and a Bank

                              By:   /s/ Director
                                    -----------------------------
                              Title:  Director

                              BANQUE NATIONALE DE PARIS

                              By:   /s/ C. Bettles
                                    -----------------------------
                              Title:  Sr. V.P. & Manager

                              By:   /s/ Tjalling Terpstra
                                    -----------------------------
                              Title:  Vice President

                              GENERAL ELECTRIC CAPITAL
                              CORPORATION

                              By:   /s/ Gregory Hong
                                    -----------------------------
                              Title:  Duly Authorized SIgnatory

                              MELLON BANK, N.A.

                              By:   /s/ Vice President
                                    -----------------------------
                              Title:  Vice President

                              BANK ONE, N.A., as Co-Agent and a Bank

                              By:   /s/ First Vice President
                                    -----------------------------
                              Title:  First Vice President

                                       5
<PAGE>

                              FIRST UNION NATIONAL BANK, as Co- Agent
                              and a Bank

                              By:  /s/ Peter D. Steffen
                                   -----------------------------
                              Title:  Senior Vice President

                              KEYBANK NATIONAL ASSOCIATION, as
                              Co-Agent and a Bank

                              By:  /s/ Mary K. Young
                                   -----------------------------
                              Title:  Assistant Vice President

                              MORGAN GUARANTY TRUST COMPANY OF
                              NEW YORK, as Co-Agent and a Bank

                              By:  /s/ Robert Bottamedi
                                   -----------------------------
                              Title:  Vice President

                              NORWEST BANK OF COLORADO, N.A.

                              By:  /s/ Darlene A. Evans
                                   -----------------------------
                              Title:  Vice President

                              PNC BANK, NATIONAL ASSOCIATION

                              By:   /s/ Vice President
                                   -----------------------------
                              Title:  Vice President

                              SUNTRUST BANK, N.A.

                              By:   /s/ V. P. & Director
                                    -----------------------------
                              Title:  V. P. & Director

                              UNION BANK OF CALIFORNIA, N.A.

                              By:  /s/ Hagop V. Jazmadarian
                                   -----------------------------
                              Title:  Vice President

                                       6
<PAGE>

                              U.S. BANK NATIONAL ASSOCIATION

                              By:   /s/ Vice President
                                    -----------------------------
                              Title:  Vice President

                              ABN AMRO BANK N.V.

                              By:  /s/ Mary L. Honda
                                   -----------------------------
                              Title:  Vice President

                              By:  /s/ Bernard J. McGuigan
                                   -----------------------------
                              Title:  Group Vice President and Director

                              FLEET NATIONAL BANK

                              By:   /s/ SVP
                                    -----------------------------
                              Title:  SVP

                              BW CAPITAL MARKETS, INCORPORATED

                              By:  /s/ Thomas A. Lowe
                                   -----------------------------
                              Title:  Vice President

                                       7
<PAGE>

                      CONSENT AND AGREEMENT OF GUARANTORS

          Each of the undersigned, in its capacity as a Guarantor, acknowledges
that its consent to the foregoing Second Amendment to Revolving Multicurrency
Credit Agreement is not required, but each of the undersigned nevertheless does
hereby consent, in its capacity as a Guarantor, to the foregoing Second
Amendment to Revolving Multicurrency Credit Agreement and to the documents and
agreements referred to therein. Nothing herein shall in any way limit any of the
terms or provisions of the Guaranty or Additional Guarantor Assumption
Agreement, if any, of the undersigned executed by the undersigned in the Agent's
and the Banks' favor, or any other Loan Document executed by the undersigned (as
the same may be amended from time to time), all of which are hereby ratified and
affirmed in all respects.

Guarantors:

JOHNS MANVILLE CORPORATION,
as a Guarantor

By:     /s/ Mary K. Rhinehart
   -----------------------------------
Title:  VP & Treasurer

JOHNS MANVILLE INTERNATIONAL, INC.,
as a Guarantor

By:     /s/ Mary K. Rhinehart
   -----------------------------------
Title:  VP & Treasurer

JOHNS MANVILLE INTERNATIONAL
GROUP, INC.,
as a Guarantor

By:     /s/ Mary K. Rhinehart
   -----------------------------------
Title:  VP & Treasurer

                                       8

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