Document:

exhibit10_2.htm

     

     

    Exhibit
      10.2

    PROMISSORY
      NOTE

    (Revolving)

    

    $2,250,000.00                                                          Dallas,
      Texas                                                            August
      29, 2007

    

    FOR
      VALUE RECEIVED, each of the undersigned DOUGHERTY’S PHARMACY, INC., a Texas
      corporation, ALVIN MEDICINE MAN, LP, a Texas limited partnership, ANGLETON
      MEDICINE MAN, LP, a Texas limited partnership, SANTA FE MEDICINE MAN, LP, a
      Texas limited partnership (herein called “Maker,” whether one or more), hereby
      jointly and severally promises to pay to the order of AMEGY BANK NATIONAL
      ASSOCIATION, a national banking association (“Payee”), at its offices at 1807
      Ross Avenue, Suite 400, Dallas, Dallas County, Texas  75201, in lawful
      money of the United States of America, the principal sum of TWO MILLION TWO
      HUNDRED FIFTY THOUSAND AND NO/100 DOLLARS ($2,250,000.00), or so much thereof
      as
      may be advanced and outstanding hereunder, together with interest on the
      outstanding principal balance from day to day remaining, at a varying rate
      per
      annum which shall from day to day be equal to the lesser of (a) the Maximum
      Rate
      (hereinafter defined), or (b) the Prime Rate (hereinafter defined) of Payee
      in
      effect from day to day, each such change in the rate of interest charged
      hereunder to become effective, without notice to Maker, on the effective date
      of
      each change in the Prime Rate or the Maximum Rate, as the case may be; provided,
      however, if at any time the rate of interest specified in clause (b) preceding
      shall exceed the Maximum Rate, thereby causing the interest rate hereon to
      be
      limited to the Maximum Rate, then any subsequent reduction in the Prime Rate
      shall not reduce the rate of interest hereon below the Maximum Rate until the
      total amount of interest accrued hereon equals the amount of interest which
      would have accrued hereon if the rate specified in clause (b) preceding had
      at
      all times been in effect.  Accrued and unpaid interest on this Note
      shall be due and payable in monthly installments commencing on
      September 20, 2007, with additional payments of all accrued and unpaid
      interest due on the 20th day of each
      calendar month thereafter until February 20, 2009 (“Maturity Date”), when all
      outstanding principal hereunder plus all accrued and unpaid interest is due
      and
      payable in full.

    

    Interest
      on the indebtedness evidenced by this Note shall be computed on the basis of
      a
      year of 360 days and the actual number of days elapsed (including the first
      day
      but excluding the last day) unless such calculation would result in a usurious
      rate, in which case interest shall be calculated on the basis of a year of
      365
      or 366 days, as the case may be.

    

    As
      used in this Note, the following terms shall have the respective meanings
      indicated below:

    

    “Agreement”
      means that certain Loan Agreement dated February 20, 2007 between Maker and
      Payee, as the same has been and may hereafter be amended or modified from time
      to time.

    

    “Default
      Rate” means the Maximum Rate or, if no Maximum Rate exists, the sum of the
      Prime Rate in effect from day to day plus three percent (3.0%).

    

     “Maximum
      Rate” means the maximum rate of nonusurious interest permitted from day to
      day by applicable law, including the Texas Finance Code, as supplemented by
      the
      Texas Credit Title, but otherwise without limitation, that rate based upon
      the
“Weekly Ceiling” and calculated after taking into account any and all relevant
      fees, payments, and other charges in respect of this Note which are deemed
      to be
      interest under applicable law.

    

    “Prime
      Rate” means, at any time, the rate of interest per annum then most recently
      established by Payee as its Prime Rate.  The Prime Rate is not
      necessarily the lowest rate charged by Payee on its loans.

    

    This
      Note is the Revolving Note provided for in the Agreement.  Maker may
      prepay the principal of this Note upon the terms and conditions specified in
      the
      Agreement.  Maker may borrow, repay, and reborrow hereunder upon the
      terms and conditions specified in the Agreement.  A Borrowing Base is
      provided in the Agreement and the maximum amount outstanding under this Note
      shall not exceed the Borrowing Base.  If the amount outstanding
      exceeds the Borrowing Base, Maker shall make a principal payment in an amount
      sufficient to reduce the outstanding principal amount to the amount of the
      Borrowing Base as provided in the Agreement.

    
      
        
        

      

      
        -15-

        
          

        

      

      
        
        

      

    

    

    Notwithstanding
      anything to the contrary contained herein, no provisions of this Note shall
      require the payment or permit the collection of interest in excess of the
      Maximum Rate.  If any excess of interest in such respect is herein
      provided for, or shall be adjudicated to be so provided, in this Note or
      otherwise in connection with this loan transaction, the provisions of this
      paragraph shall govern and prevail, and neither Maker nor the sureties,
      guarantors, successors or assigns of Maker shall be obligated to pay the excess
      amount of such interest, or any other excess sum paid for the use, forbearance
      or detention of sums loaned pursuant hereto.  If for any reason
      interest in excess of the Maximum Rate shall be deemed charged, required or
      permitted by any court of competent jurisdiction, any such excess shall be
      applied as a payment and reduction of the principal of indebtedness evidenced
      by
      this Note; and, if the principal amount hereof has been paid in full, any
      remaining excess shall forthwith be paid to Maker.  In determining
      whether or not the interest paid or payable exceeds the Maximum Rate, Maker
      and
      Payee shall, to the extent permitted by applicable law, (i) characterize any
      non-principal payment as an expense, fee, or premium rather than as interest,
      (ii) exclude voluntary prepayments and the effects thereof, and (iii) amortize,
      prorate, allocate, and spread in equal or unequal parts the total amount of
      interest throughout the entire contemplated term of the indebtedness evidenced
      by this Note so that the interest for the entire term does not exceed the
      Maximum Rate.

    

    This
      Note is secured by all security agreements, assignments and other writings
      of
      every kind and nature heretofore, now or hereafter executed by Maker or any
      other person to secure any indebtedness of Maker which is now or hereafter
      owing
      to any holder of this Note, whether or not any of such writings describe, cover,
      pertain or affect any property, rights or interests which are similar or
      dissimilar to any of the following described property, rights or interests,
      and
      whether or not such writings were originally executed or delivered to of for
      the
      benefit of any holder of this Note or executed or delivered to or for the
      benefit of any other person and acquired by purchase or otherwise by any holder
      of this Note, and whether or not any such lien or security interest or other
      interest was created by any then owner of any interest in or to any of the
      property, rights or interests which are described in or covered by any such
      writing or to which any such writing may pertain or affect.  Maker
      further hereby agrees and consents to all of the terms, provisions, agreements,
      covenants and warranties set forth or contained in all of the security
      agreements, assignments and other writings now or hereafter securing or
      pertaining to the loan evidenced by this Note and agrees that all of the
      writings now or hereafter securing or pertaining to the loan evidenced by this
      Note (and all terms, provisions, agreements, covenants and warranties contained
      in such writings) shall be binding in all respects on Maker of this Note
      (whether or not Maker has executed such writings) and on the heirs, successors,
      legal representatives and assigns of Maker.

    

    Upon
      the occurrence of any Event of Default, as such term is defined in the
      Agreement, the holder hereof may, at its option, declare the entire unpaid
      principal of and accrued interest on this Note immediately due and payable
      without notice, demand or presentment, all of which are hereby waived, and
      upon
      such declaration, the same shall become and shall be immediately due and
      payable, and the holder hereof shall have the right to foreclose or otherwise
      enforce all liens or security interests securing payment hereof, or any part
      hereof, and offset against this Note any sum or sums owed by the holder hereof
      to Maker. Failure of the holder hereof to exercise this option shall not
      constitute a waiver of the right to exercise the same upon the occurrence of
      a
      subsequent Event of Default.  During the continuance of an Event of
      Default, this Note shall bear interest at the Default Rate.

    

    If
      the holder hereof expends any effort in any attempt to enforce payment of all
      or
      any part or installment of any sum due the holder hereunder, or if this Note
      is
      placed in the hands of an attorney for collection, or if it is collected through
      any legal proceedings, Maker agrees to pay all reasonable collection costs,
      expenses, and fees incurred by the holder, including reasonable attorneys’
fees.

    
      
        
        

      

      
        -16-

        
          

        

      

      
        
        

      

    

    

    This
      Note shall be governed by and construed in accordance with the laws of the
      State
      of Texas and the applicable laws of the United States of
      America.  This Note is performable in Dallas County,
      Texas.  Any action or proceeding under or in connection with this Note
      against Maker or any other party ever liable for payment of any sums of money
      payable on this Note may be brought in any state or federal court in Dallas
      County, Texas.  Maker and each such other party hereby irrevocably (i)
      submits to the nonexclusive jurisdiction of such courts, and (ii) waives any
      objection it may now or hereafter have as to the venue of any such action or
      proceeding brought in such court or that such court is an inconvenient
      forum.  Nothing herein shall affect the right of Payee to bring any
      action or proceeding against Maker or any other party liable hereunder or with
      respect to any collateral in any state or federal court in any other
      Jurisdiction.  Any action or proceeding by Maker or any other party
      liable hereunder against Payee shall be brought only in a court located in
      Dallas County, Texas.

    

    Maker
      and each surety, guarantor, endorser, and other party ever liable for payment
      of
      any sums of money payable on this Note jointly and severally waive notice,
      presentment, demand for payment, protest, notice of protest and non-payment
      or
      dishonor, notice of acceleration, notice of intent to accelerate, notice of
      intent to demand, diligence in collecting, grace, and all other formalities
      of
      any kind, and consent to all extensions without notice for any period or periods
      of time and partial payments, before or after maturity, and any impairment
      of
      any collateral securing this Note, all without prejudice to the
      holder.  The holder shall similarly have the right to deal in any way,
      at any time, with one or more of the foregoing parties without notice to any
      other party, and to grant any such party any extensions of time for payment
      of
      any of said indebtedness, or to release or substitute part or all of the
      collateral securing this Note, or to grant any other indulgences or forbearances
      whatsoever, without notice to any other party and without in any way affecting
      the personal liability of any party hereunder.

    

    Maker
      hereby authorizes the holder hereof to record in the records of holder hereof
      all advances made to Maker hereunder and all payments made on account of the
      principal thereof, which records shall be prima facie evidence as to the
      outstanding principal amount of this Note; provided, however, any failure by
      the
      holder hereof to make any recordation shall not limit or otherwise affect the
      obligations of Maker under the Agreement or this Note.

    

    This
      Note is in renewal, extension and modification of that certain Promissory Note
      dated February 20, 2007, executed by Maker and payable to the order of
      Payee in the original principal amount of $2,000,000.00.

    

    (Remainder
      of this page intentionally left blank; signature page follows)

    

    
      
        
        

      

      
        -17-

        
          

        

      

      
        
        

      

    

    

    MAKER:

    

    DOUGHERTY’S
      PHARMACY, INC.,

    a
      Texas corporation

    

    

    By:
      /s/ David E. Bowe

    Name:                      David
      E. Bowe

    Title:           President
      and Chief Executive Officer

    

    

    ALVIN
      MEDICINE MAN, LP,

    a
      Texas limited partnership

    

    By:           Alvin
      Medicine Man GP, LLC,

    a
      Texas limited liability
      company,

    its
      General Partner

    

    

    By:
/s/
      David E.
      Bowe

    Name:                      David
      E. Bowe

    Title:           President
      and Chief Executive Officer

    

    

    ANGLETON
      MEDICINE MAN, LP,

    a
      Texas limited partnership

    

    By:           Angleton
      Medicine Man GP, LLC,

    a
      Texas limited liability
      company,

    its
      General Partner

    

    

    By:
/s/
      David E.
      Bowe

    Name:                      David
      E. Bowe

    Title:           President
      and Chief Executive Officer

    

    

    

    (Signatures
      continue on the following page)

    

    

    
      
        
        

      

      
        -18-

        
          

        

      

      
        
        

      

    

    SANTA
      FE MEDICINE MAN, LP,

    a
      Texas limited partnership

    

    By:           Santa
      Fe Medicine Man GP, LLC,

    a
      Texas limited liability
      company,

    its
      General Partner

    

    

    By:
/s/
      David E.
      Bowe

    Name:                      David
      E. Bowe

    Title:           President
      and Chief Executive Officer

    
 

    -19-exhibit10_3.htm

    

    Exhibit
      10.3

    PROMISSORY
      NOTE

    (Advance)

    

    $250,000.00                                      
                              Dallas,
      Texas                                          
            August 29,
      2007

    

    

                          FOR
      VALUE RECEIVED, each of the undersigned DOUGHERTY’S PHARMACY, INC., a Texas
      corporation, ALVIN MEDICINE MAN, LP, a Texas limited partnership, ANGLETON
      MEDICINE MAN, LP, a Texas limited partnership, SANTA FE MEDICINE MAN, LP, a
      Texas limited partnership (herein called “Maker,” whether one or more), hereby
      jointly and severally promises to pay to the order of AMEGY BANK NATIONAL
      ASSOCIATION, a national banking association (“Payee”), at its offices at 1807
      Ross Avenue, Suite 400, Dallas, Dallas County, Texas  75201, in lawful
      money of the United States of America, the principal sum of TWO HUNDRED FIFTY
      THOUSAND AND NO/100 DOLLARS ($250,000.00), or so much thereof as may be advanced
      and outstanding hereunder, together with interest on the outstanding principal
      balance from day to day remaining as herein specified, in monthly payments
      as
      follows:

    

               (a)           Interest
      only shall be due and payable monthly as it accrues on the 20th day of each
      and
      every calendar month, commencing September 20, 2007 until September 20,
      2008;

    

               (b)           Thereafter,
      principal under this Note shall be due and payable in equal monthly payments
      sufficient to fully amortize the outstanding principal balance hereof as of
      August 29, 2008 over forty-eight (48) months, such payments commencing on
      October 20, 2008, and continuing to be due and payable on the 20th day of each
      calendar month thereafter, until August 29, 2012 (“Maturity Date”), when the
      entire amount hereof, principal and interest then remaining unpaid, shall be
      then due and payable.  Interest, computed on the unpaid principal
      balance hereof, shall be due and payable monthly as it accrues, on the same
      dates as, but in addition to, said payments of principal; interest being
      calculated on the unpaid principal each day principal is outstanding and all
      payments made credited to any collection costs and late charges, to the
      discharge of interest accrued and to the reduction of principal, in such order
      as Payee shall determine.

    

               (c)           If
      a payment is made 10 days or more late, Maker will be charged, in addition
      to
      interest, a delinquency charge of 5% of the unpaid portion of the regularly
      scheduled payment.  Maker agrees with Payee that the charges set forth
      herein are reasonable compensation to Payee for the handling of such late
      payments.

    
      
         

      

      
        -20-

        
          

        

      

      
         

      

    

    

                          The
      outstanding principal balance hereof shall bear interest prior to maturity
      at a
      varying rate per annum which shall from day to day be equal to the lesser of
      (a)
      the Maximum Rate (hereinafter defined), or (b) a rate equal to the Prime Rate
      (hereinafter defined) of Payee in effect from day to day plus one quarter of
      one
      percent (0.25%), each such change in the rate of interest charged hereunder
      to
      become effective, without notice to Maker, on the effective date of each change
      in the Prime Rate; provided, however, if at any time the rate of interest
      specified in clause (b) preceding shall exceed the Maximum Rate, thereby causing
      the interest rate hereon to be limited to the Maximum Rate, then any subsequent
      reduction in the Prime Rate will not reduce the rate of interest hereon below
      the Maximum Rate until the total amount of interest accrued hereon equals the
      amount of interest which would have accrued hereon if the rate specified in
      clause (b) preceding had at all times been in effect.  All past due
      principal and interest shall bear interest at the Default Rate (hereinafter
      defined).

    

                          Interest
      on the indebtedness evidenced by this Note shall be computed on the basis of
      a
      year of 360 days and the actual number of days elapsed (including the first
      day
      but excluding the last day) unless such calculation would result in a usurious
      rate, in which case interest shall be calculated on the basis of a year of
      365
      or 366 days, as the case may be.

    

                          As
      used in this Note, the following terms shall have the respective meanings
      indicated below:

    

               “Agreement”
      means, that certain Loan Agreement dated February 20, 2007 between Maker and
      Payee, as the same has been and may hereafter be amended or modified from time
      to time.

    

    “Default
      Rate” means the Maximum Rate or, if no Maximum Rate exists, the sum of the
      Prime Rate in effect from day to day plus three percent (3.0%).

    

    “Maximum
      Rate” means the maximum rate of nonusurious interest permitted from day to
      day by applicable law, including the Texas Finance Code, as supplemented by
      the
      Texas Credit Title, but otherwise without limitation, that rate based upon
      the
“Weekly Ceiling” and calculated after taking into account any and all relevant
      fees, payments, and other charges in respect of this Note which are deemed
      to be
      interest under applicable law.

    

               “Prime
      Rate” means, at any time, the rate of interest per annum then most recently
      established by Payee as its Prime Rate.  The Prime Rate is not
      necessarily the lowest rate charged by Payee on its loans.

    

                          This
      Note is the Advance Note provided for in the Agreement.  Maker shall
      have the right to prepay, at any time and from time to time without premium
      or
      penalty, the entire unpaid principal balance of this Note or any portion
      thereof, any such partial prepayments to be applied in inverse order of maturity
      to the last maturing installment(s) of principal.

    
      
         

      

      
        -21-

        
          

        

      

      
         

      

    

    

                          Notwithstanding
      anything to the contrary contained herein, no provisions of this Note shall
      require the payment or permit the collection of interest in excess of the
      Maximum Rate.  If any excess of interest in such respect is herein
      provided for, or shall be adjudicated to be so provided, in this Note or
      otherwise in connection with this loan transaction, the provisions of this
      paragraph shall govern and prevail, and neither Maker nor the sureties,
      guarantors, successors or assigns of Maker shall be obligated to pay the excess
      amount of such interest, or any other excess sum paid for the use, forbearance
      or detention of sums loaned pursuant hereto.  If for any reason
      interest in excess of the Maximum Rate shall be deemed charged, required or
      permitted by any court of competent jurisdiction, any such excess shall be
      applied as a payment and reduction of the principal of indebtedness evidenced
      by
      this Note; and, if the principal amount hereof has been paid in full, any
      remaining excess shall forthwith be paid to Maker.  In determining
      whether or not the interest paid or payable exceeds the Maximum Rate, Maker
      and
      Payee shall, to the extent permitted by applicable law, (i) characterize any
      nonprincipal payment as an expense, fee, or premium rather than as interest,
      (ii) exclude voluntary prepayments and the effects thereof, and (iii) amortize,
      prorate, allocate, and spread in equal or unequal parts the total amount of
      interest throughout the entire contemplated term of the indebtedness evidenced
      by this Note so that the interest for the entire term does not exceed the
      Maximum Rate.

    

               This
      Note is secured by all security agreements, assignments and other writings
      of
      every kind and nature heretofore, now or hereafter executed by Maker or any
      other person to secure any indebtedness of Maker which is now or hereafter
      owing
      to any holder of this Note, whether or not any of such writings describe, cover,
      pertain or affect any property, rights or interests which are similar or
      dissimilar to any of the following described property, rights or interests,
      and
      whether or not such writings were originally executed or delivered to of for
      the
      benefit of any holder of this Note or executed or delivered to or for the
      benefit of any other person and acquired by purchase or otherwise by any holder
      of this Note, and whether or not any such lien or security interest or other
      interest was created by any then owner of any interest in or to any of the
      property, rights or interests which are described in or covered by any such
      writing or to which any such writing may pertain or affect.  Maker
      further hereby agrees and consents to all of the terms, provisions, agreements,
      covenants and warranties set forth or contained in all of the security
      agreements, assignments and other writings now or hereafter securing or
      pertaining to the loan evidenced by this Note and agrees that all of the
      writings now or hereafter securing or pertaining to the loan evidenced by this
      Note (and all terms, provisions, agreements, covenants and warranties contained
      in such writings) shall be binding in all respects on Maker of this Note
      (whether or not Maker has executed such writings) and on the heirs, successors,
      legal representatives and assigns of Maker.

    

                          Upon
      the occurrence of any Event of Default, as such term is defined in the
      Agreement, the holder hereof may, at its option, declare the entire unpaid
      principal of and accrued interest on this Note immediately due and payable
      without notice, demand or presentment, all of which are hereby waived, and
      upon
      such declaration, the same shall become and shall be immediately due and
      payable, and the holder hereof shall have the right to foreclose or otherwise
      enforce all liens or security interests securing payment hereof, or any part
      hereof, and offset against this Note any sum or sums owed by the holder hereof
      to Maker.  Failure of the holder hereof to exercise this option shall
      not constitute a waiver of the right to exercise the same upon the occurrence
      of
      a subsequent Event of Default.  During the continuance of an Event of
      Default, this Note shall bear interest at the Default Rate.

    

                          If
      the holder hereof expends any effort in any attempt to enforce payment of all
      or
      any part or installment of any sum due the holder hereunder, or if this Note
      is
      placed in the hands of an attorney for collection, or if it is collected through
      any legal proceedings, Maker agrees to pay all reasonable collection costs,
      expenses and fees incurred by the holder, including reasonable attorneys’
fees.

    

                          This
      Note shall be governed by and construed in accordance with the laws of the
      State
      of Texas and the applicable laws of the United States of
      America.  This Note is performable in Dallas County,
      Texas.  Any action or proceeding under or in connection with this Note
      against Maker or any other party ever liable for payment of any sums of money
      payable on this Note may be brought in any state or federal court in Dallas
      County, Texas.  Maker and each such other party hereby irrevocably (i)
      submits to the nonexclusive jurisdiction of such courts, and (ii) waives any
      objection it may now or hereafter have as to the venue of any such action or
      proceeding brought in such court or that such court is an inconvenient
      forum.  Nothing herein shall affect the right of Payee to bring any
      action or proceeding against Maker or any other party liable hereunder or with
      respect to any collateral in any state or federal court in any other
      Jurisdiction.  Any action or proceeding by Maker or any other party
      liable hereunder against Payee shall be brought only in a court located in
      Dallas County, Texas.

    
      
         

      

      
        -22-

        
          

        

      

      
         

      

    

    

    

                          Maker
      and each surety, guarantor, endorser, and other party ever liable for payment
      of
      any sums of money payable on this Note jointly and severally waive notice,
      presentment, demand for payment, protest, notice of protest and non-payment
      or
      dishonor, notice of acceleration, notice of intent to accelerate, notice of
      intent to demand, diligence in collecting, grace, and all other formalities
      of
      any kind, and consent to all extensions without notice for any period or periods
      of time and partial payments, before or after maturity, and any impairment
      of
      any collateral securing this Note, all without prejudice to the
      holder.  The holder shall similarly have the right to deal in any way,
      at any time, with one or more of the foregoing parties without notice to any
      other party, and to grant any such party any extensions of time for payment
      of
      any of said indebtedness, or to release or substitute part or all of the
      collateral securing this Note, or to grant any other indulgences or forbearances
      whatsoever, without notice to any other party and without in any way affecting
      the personal liability of any party hereunder.

    

                          Maker
      hereby authorizes the holder hereof to record in the records of holder hereof
      all advances made to Maker hereunder and all payments made on account of the
      principal thereof, which records shall be prima facie evidence as to the
      outstanding principal amount of this Note; provided, however, any failure by
      the
      holder hereof to make any recordation shall not limit or otherwise affect the
      obligations of Maker under the Agreement or this Note.

    

    (Remainder
      of page intentionally left blank; signature page follows)

    

    

    

    
      
         

      

      
        -23-

        
          

        

      

      
         

      

    

    BORROWER:

    

    DOUGHERTY’S
      PHARMACY, INC.,

    a
      Texas corporation

    

    

    By:
      /s/David E. Bowe

    Name:                      David
      E. Bowe

    Title:           President
      and Chief Executive Officer

    

    

    ALVIN
      MEDICINE MAN, LP,

    a
      Texas limited partnership

    

    By:         Alvin
      Medicine Man GP, LLC,

             a
      Texas limited liability company,

             its
      General Partner

    

    

          By:
      /s/David E. Bowe

          Name:  David
      E. Bowe

          Title:    President
      and Chief Executive Officer

    

    

    ANGLETON
      MEDICINE MAN, LP,

    a
      Texas limited partnership

    

    By:              Angleton
      Medicine Man GP, LLC,

             a
      Texas limited liability company,

             its
      General Partner

    

    

             By:
      /s/David E. Bowe

             Name:  David
      E. Bowe

             Title:    President
      and Chief Executive Officer

    

    

    

    (Signatures
      continue on the following page)

    
      
         

      

      
        -24-

        
          

        

      

      
         

      

    

    

    SANTA
      FE MEDICINE MAN, LP,

    a
      Texas limited partnership

    

    By:           Santa
      Fe Medicine Man GP, LLC,

             a
      Texas limited liability company,

             its
      General Partner

    

    

             By:
      /s/David E. Bowe

             Name:  David
      E. Bowe

             Title:    President
      and Chief Executive Officer

    
      
         

      

      
        -25-

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