Document:

EXHIBIT 4.1

 

PROTECTIVE LIFE CORPORATION

 

to

 

THE BANK OF NEW YORK MELLON TRUST COMPANY,
N.A., as Trustee

 

SUPPLEMENTAL INDENTURE NO. 14

 

Dated as of October 9, 2009

 

8.00% Senior Notes due October 15, 2024

 

$100,000,000

 

 

PROTECTIVE LIFE CORPORATION

 

SUPPLEMENTAL INDENTURE NO. 14

 

$100,000,000

 

8.00% Senior Notes due October 15, 2024

 

SUPPLEMENTAL INDENTURE NO. 14, dated as of October 9, 2009, from
PROTECTIVE LIFE CORPORATION, a Delaware corporation (the “Company”), to THE
BANK OF NEW YORK MELLON TRUST COMPANY, N.A., a national banking association, as
trustee (the “Trustee”).

 

The Company has heretofore executed and
delivered to The Bank of New York a Senior Indenture, dated as of June 1,
1994 (the “Indenture”), providing for the issuance from time to time of series
of the Company’s Securities.

 

The Company, The Bank of New York and the
Trustee have heretofore entered into that certain Agreement of Resignation,
Appointment and Acceptance effective as of August 25, 2006, providing for
the resignation of The Bank of New York as Trustee under the Indenture and the
appointment of the Trustee as successor to The Bank of New York as Trustee
under the Indenture.

 

The Trustee changed its name to The Bank of
New York Mellon Trust Company, N.A. effective October 1, 2006.

 

Section 3.1 of the Indenture provides
for various matters with respect to any series of Securities issued under the
Indenture to be established in an indenture supplemental to the Indenture.

 

Section 8.1(7) of the Indenture
provides for the Company and the Trustee to enter into an indenture
supplemental to the Indenture to establish the form or terms of Securities of
any series as provided by Sections 2.1 and 3.1 of the Indenture.

 

For and in consideration of the premises and
the issuance of the series of Securities provided for herein, it is mutually
covenanted and agreed as follows for the equal and ratable benefit of the
Holders of the Securities of such series:

 

ARTICLE I

 

RELATION TO INDENTURE; DEFINITIONS

 

Section 1.1.                                   This Supplemental Indenture No. 14
constitutes an integral part of the Indenture.

 

Section 1.2.                                   For all purposes of this
Supplemental Indenture No. 14:

 

 

Section 1.2.1.                          Capitalized
terms used herein without definition shall have the meanings specified in the
Indenture;

 

Section 1.2.2.                          All references
herein to Articles and Sections, unless otherwise specified, refer to the
corresponding Articles and Sections of this Supplemental Indenture No. 14;
and

 

Section 1.2.3.                          The terms “herein,”
“hereof,” “hereunder” and other words of similar import refer to this
Supplemental Indenture No. 14.

 

ARTICLE II

 

THE SERIES 2009C SENIOR NOTES

 

Section 2.1.                                   TITLE OF THE
SECURITIES.  There shall be a series of
Securities designated the  8.00% Senior
Notes due October 15, 2024 (the “Series 2009C Notes”).

 

Section 2.2.                                   LIMITATION ON AGGREGATE
PRINCIPAL AMOUNT; DATE OF SERIES 2009C NOTES. 
The aggregate principal amount of the Series 2009C Notes shall be
limited to $100,000,000 or such higher principal amount as shall be outstanding
as a result of the issuance of Additional Notes (as defined herein).  Each Series 2009C Note shall be dated
the date of its authentication.

 

Section 2.3.                                   PRINCIPAL PAYMENT
DATES.  The principal on the Series 2009C
Notes Outstanding (together with any accrued and unpaid interest thereon) shall
be payable in a single installment on October 15, 2024.

 

Section 2.4.                                   INTEREST AND INTEREST
RATES.  The rate of interest on each Series 2009C
Note shall be 8.00% per annum, accruing from October 9, 2009 or from the
most recent Interest Payment Date to which interest on such Series 2009C
Note has been paid or duly provided for. 
Interest shall be payable in arrears on each Series 2009C Note
quarterly on January 15, April 15, July 15 and October 15
of each year (each an “Interest Payment Date”), commencing on January 15,
2010.  The interest so payable on any Series 2009C
Note which is punctually paid or duly provided for on any Interest Payment Date
shall be paid to the Person in whose name such Series 2009C Note is
registered at the close of business on the January 1, April 1, July 1
or October 1, as the case may be, preceding such January 15, April 15,
July 15 or October 15 (each a “Regular Record Date”).  The interest so payable on a Series 2009C
Note which is not punctually paid or duly provided for on any Interest Payment
Date shall forthwith cease to be payable to the Person in whose name such Series 2009C
Note is registered on the relevant Regular Record Date, and such defaulted
interest shall instead be payable to the Person in whose name such Series 2009C
Note is registered on the Special Record Date or other specified date
determined in accordance with the Indenture.

 

Section 2.5.                                   PLACE OF PAYMENT.  The Place of Payment where the Series 2009C
Notes may be presented or surrendered for payment, where the Series 2009C
Notes may be surrendered for registration of transfer or exchange and where
notices and demands to and upon the Company in respect of the Series 2009C
Notes and the Indenture may be served shall be in the Borough of Manhattan, The
City of New York, New York, and the office or agency

 

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maintained by the Company for such purpose shall initially be the
Corporate Trust Office of the Trustee.

 

Section 2.6.                                   ADDITIONAL COVENANTS.  For the benefit of the Holders from time to
time of the Series 2009C Notes and in addition to the covenants set forth
in Article 9 of the Indenture, the Company further covenants and agrees as
follows:

 

Section 2.6.1.                          Limitations
on Disposition of Capital Stock of Restricted Subsidiaries. The Company
will not, and will not permit any Subsidiary to, sell, assign, transfer or
otherwise dispose of any shares of the capital stock of any Restricted
Subsidiary unless the entire capital stock of such Restricted Subsidiary at the
time owned directly or indirectly by the Company and its Subsidiaries shall be
disposed of at the same time for a consideration consisting of cash or other
property which the Board of Directors, as evidenced in a Board Resolution, has
determined to be at least equal to the fair value thereof.  Notwithstanding the foregoing provision, (i) the
Company shall be permitted to sell, assign, transfer or otherwise dispose of
shares of the capital stock of a Restricted Subsidiary (A) to any director
(or any individual nominated to become a director) of such Restricted
Subsidiary but only to the extent ownership of such shares is required as
directors’ qualifying shares for such director or individual and (B) to
any Subsidiary; and (ii) any Restricted Subsidiary shall be permitted to
sell, assign, transfer or otherwise dispose of shares of its capital stock or
the capital stock of any other Restricted Subsidiary (A) to any director
(or any individual nominated to become a director) of such Restricted Subsidiary
but only to the extent ownership of such shares is required as directors’
qualifying shares for such director or individual, or (B) to the Company
or any Subsidiary.

 

Section 2.6.2.                          Limitations
upon Creation of Liens on Capital Stock of Restricted Subsidiaries.

 

(a)                                  The Company
will not, and will not permit any Restricted Subsidiary to, at any time
directly or indirectly, issue, assume, guarantee or permit to exist any
indebtedness secured by a Lien on the capital stock of any Restricted
Subsidiary without making effective provision whereby the Series 2009C
Notes then outstanding (and if the Company so elects, any other indebtedness
ranking on a parity with the Series 2009C Notes) shall be equally and
ratably secured with such indebtedness as to such property so long as such
other indebtedness shall be so secured; provided, however, that the covenant
set forth in this Section 2.6.2. will not be applicable to Liens (i) on
the shares of stock of a subsidiary of a Person that is merged with or into the
Company or a Subsidiary securing debt of such Person, which debt was
outstanding prior to such merger, but only if such pledge and debt were not
incurred in anticipation of such merger, (ii) in favor of the Company
securing debt of a Restricted Subsidiary owed to the Company, (iii) for
taxes or assessments or governmental charges or levies not then due and
delinquent or the validity of which are being contested in good faith or which
are less than $30,000,000, or (iv) created by or resulting from any
litigation or legal proceeding being contested in good faith or which are less
than $30,000,000.

 

(b)                                 If the Company
shall hereafter be required to secure the Series 2009C Notes equally and
ratably with any other indebtedness pursuant to this Section 2.6.2., (i)

 

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the Company will promptly deliver to the
Trustee an Officers’ Certificate stating that the foregoing covenant has been
complied with and an Opinion of Counsel stating that in the opinion of such
counsel the foregoing covenant has been complied with and that any instruments
executed by the Company or any Restricted Subsidiary in the performance of the
foregoing covenant comply with the requirements of the foregoing covenant and (ii) the
Trustee is hereby authorized to enter into an indenture or agreement
supplemental hereto and to take such action, if any, as it may deem advisable
to enable it to enforce the rights of the Holders of the Series 2009C
Notes.

 

Section 2.6.3.                          For purposes of
this Section 2.6., “Restricted Subsidiary” shall mean any Subsidiary of
the Company with assets greater than or equal to 20% of all assets of the
Company and its Subsidiaries, computed and consolidated in accordance with
generally accepted accounting principles.

 

Section 2.6.4.                          For purposes of
this Section 2.6., “Lien” shall mean any mortgage, pledge, lien, charge,
security interest, conditional sale or other title retention agreement or other
encumbrance of any nature whatsoever.

 

Section 2.7.                                   MODIFICATION OF EVENTS OF
DEFAULT.  For the benefit of the Holders
from time to time of the Series 2009C Notes, clause 4 of Section 5.1
of the Indenture is hereby modified by deleting such clause 4 in its entirety
and replacing it with the following:

 

A default under any mortgage, agreement,
indenture or instrument under which there may be issued, or by which there may
be secured, guaranteed or evidenced any Debt of the Company (including this
Indenture) whether such Debt now exists or shall hereafter be created, in an
aggregate principal amount then outstanding of $25,000,000 or more, which
default (a) shall constitute a failure to pay any portion of the principal
of such Debt when due and payable or (b) shall result in such Debt
becoming or being declared due and payable prior to the date on which it would
otherwise become due and payable, and such acceleration shall not be rescinded
or annulled, or such Debt shall not be paid in full, within a period of 30 days
after there has been given, by registered or certified mail, to the Company by the
Trustee or to the Company and the Trustee by the Holders of at least 25% in
aggregate principal amount of the Outstanding Securities of the Series 2009C
Notes, a written notice specifying such event of default and requiring the
Company to cause such acceleration to be rescinded or annulled or to pay in
full such Debt and stating that such notice is a “Notice of Default” hereunder;
(it being understood, however, that the Trustee shall not be deemed to have
knowledge of such default under such agreement or instrument unless either (A) a
Responsible Officer of the Trustee shall have actual knowledge of such default
or (B) a Responsible Officer of the Trustee shall have received written
notice thereof from the Company, from any Holder, from the holder of any such
indebtedness or from the trustee under any such agreement or other instrument);
PROVIDED, HOWEVER, that if such default under such mortgage, agreement,
indenture or instrument is remedied or cured by the Company or waived by the
holders of such indebtedness, then the Event of Default hereunder by reason
thereof shall be deemed likewise to have been thereupon remedied, cured or
waived without further action upon the part of either the Trustee or any of
such Holders; PROVIDED, FURTHER, that the foregoing shall not apply to any
secured Debt under which the obligee has recourse (exclusive of recourse for
ancillary matters such as environmental indemnities, 

 

4

 

misapplication of funds, costs of enforcement
and the like) only to the collateral pledged for repayment so long as the fair
market value of such collateral does not exceed 2% of Total Assets at the time
of the “default.”

 

Section 2.8.                                   REDEMPTION AT THE OPTION OF
THE COMPANY.

 

Section 2.8.1.                          Redemption
Right at Company’s Option.  The
Company has the right to redeem the Series 2009C Notes, in whole or in
part, on or after October 15, 2014, at its sole option, at any time and
from time to time, prior to October 15, 2024 at a “Redemption Price” equal
to 100% of their principal amount, plus accrued and unpaid interest to the date
of redemption, subject to the terms and conditions set forth in this Section 2.8.

 

Section 2.8.2.                          Notice
to Trustee.  If the
Company wishes to redeem Series 2009C Notes pursuant to the terms hereof
and of the Series 2009C Notes, it shall notify the Trustee of the
redemption date and the principal amount of Series 2009C Notes to be
redeemed.  The Company shall give the
notice provided for in this Section not less than 45 nor more than 60 days
prior to the redemption date.

 

Section 2.8.3.                          Selection
of Series 2009C Notes to be Redeemed.  If less than all the Series 2009C Notes
are to be redeemed, the Trustee shall select the Series 2009C Notes to be
redeemed by lot or by any other method the Trustee shall deem fair and
reasonable.  The Trustee shall make the
selection not more than 60 days before the redemption date from Series 2009C
Notes then outstanding that have not been previously called for
redemption.  The Trustee shall promptly
notify the Company in writing of the Series 2009C Notes selected for
redemption and, in the case of any Series 2009C Note selected for partial
purchase or redemption, the principal amount thereof to be purchased or
redeemed.  Series 2009C Notes and
portions of Series 2009C Notes that the Trustee selects shall be in
amounts of $20 or in integral multiples thereof.  Provisions of this Indenture that apply to Series 2009C
Notes called for redemption also apply to portions of Series 2009C Notes
called for redemption.

 

Section 2.8.4.                          Notice
of Redemption.  At least 30
days but not more than 60 days before a redemption date, the Company shall mail
or cause to be mailed, by first class mail, a notice of redemption to each
Holder whose Series 2009C Notes are to be redeemed at its registered
address.

 

(a)                                  The notice
shall identify the Series 2009C Notes to be redeemed and shall state:

 

(i)                                     the redemption
date;

 

(ii)                                  if any Series 2009C
Note is being redeemed in part, the portion of the principal amount of such Series 2009C
Note to be redeemed;

 

(iii)                               the name and
address of the Paying Agent;

 

(iv)                              that the Series 2009C
Notes called for redemption must be

 

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surrendered to the Paying Agent to collect the Redemption Price;

 

(v)                                 that, unless
the Company defaults in making such redemption payment, interest on Series 2009C
Notes called for redemption ceases to accrue on and after the redemption date;
and

 

(vi)                              that no
representation is made as to the correctness or accuracy of the CUSIP number,
if any, listed in such notice or printed on the Series 2009C Notes.

 

(b)                                 At the Company’s
request, the Trustee shall give the notice of redemption in the Company’s name
and at its expense; provided, however,
that the Company shall have delivered to the Trustee, at least 45 days prior to
the redemption date, an Officers’ Certificate requesting that the Trustee give
such notice and setting forth the information to be stated in such notice as
provided in the preceding paragraph (which request may be revoked by so
notifying the Trustee in writing on or before the Business Day immediately
preceding the date requested for the mailing of such notice).

 

Section 2.8.5.                          Effect
of Notice of Redemption.  Once
notice of redemption is mailed in accordance with the provisions hereof, Series 2009C
Notes called for redemption become irrevocably due and payable on the
redemption date at the Redemption Price. 
A notice of redemption may not be conditional.

 

Section 2.8.6.                          Deposit
of Redemption Price.

 

(a)                                  One Business
Day prior to the redemption date, the Company shall deposit with the Trustee or
with the Paying Agent money sufficient to pay the Redemption Price of, and
accrued interest, if any, on all Series 2009C Notes to be redeemed on that
date.  The Trustee or the Paying Agent
shall promptly return to the Company any money deposited with the Trustee or
the Paying Agent by the Company in excess of the amounts necessary to pay the
redemption price of, and accrued interest on, all Series 2009C Notes to be
redeemed.

 

(b)                                 If the Company
complies with the provisions of the preceding paragraph, on and after the
redemption date, interest shall cease to accrue on the Series 2009C Notes
or the portions of Series 2009C Notes called for redemption.  If a Series 2009C Note is redeemed on or
after an interest record date but on or prior to the related interest payment
date, then any accrued and unpaid interest shall be paid to the Person in whose
name such Series 2009C Note was registered at the close of business on
such record date.  If any Series 2009C
Notes called for redemption shall not be so paid upon surrender for redemption
because of the failure of the Company to comply with the preceding paragraph,
interest shall be paid on the unpaid principal, from the redemption date until
such principal is paid, and to the extent lawful on any interest not paid on
such unpaid principal, in each case at the rate provided in the Series 2009C
Notes and in Section 2.4. hereof.

 

Section 2.8.7.                          Series 2009C
Notes Redeemed in Part.  Upon
surrender of a Series 2009C Note that is redeemed in part, the Company
shall issue and, upon the Company’s written 

 

6

 

request,
the Trustee shall authenticate for the Holder at the expense of the Company, a
new Series 2009C Note equal in principal amount to the unredeemed portion
of the Series 2009C Notes surrendered; provided,
however, that so long as the Series 2009C Notes are issued in
the form of global securities as provided in Section 2.11. hereof, then,
in lieu of surrendering the Series 2009C Note being redeemed in part, the
principal amount of the applicable global Series 2009C Note shall be
reduced as and to the extent provided in Section 2.11.4. hereof.

 

Section 2.9.                                   DENOMINATION.  The Series 2009C Notes shall be issuable
in denominations of $20 and in integral multiples thereof.

 

Section 2.10.                             CURRENCY.  Principal and interest on the Series 2009C
Notes shall be payable in U.S. Dollars.

 

Section 2.11.                             REGISTERED SECURITIES IN
GLOBAL FORM.

 

Section 2.11.1.                    The Series 2009C Notes
will be issued in the form of one or more fully registered global securities,
representing the aggregate principal amount of the Series 2009C Notes,
that will be deposited with, or on behalf of, The Depository Trust Company (“DTC”),
and registered in the name of Cede & Co., the nominee of DTC.

 

Section 2.11.2.                    Except as provided in Section 3.5
of the Indenture, Beneficial Owners of interests in the Series 2009C Notes
may not exchange such interests for certificated Series 2009C Notes.

 

Section 2.11.3.                    In addition to the legend
specified in Section 2.4 of the Indenture, each certificate evidencing the
Series 2009C Notes shall bear the following legend:

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN
AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK
CORPORATION (“DTC”), TO ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER,
EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF
CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE,
OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.

 

Section 2.11.4.                    If the Series 2009C
Notes are redeemed pursuant to Section 2.8. hereof in whole or in part,
the principal amount of the applicable global Series 2009C Note shall be
reduced by the amount of the principal, or portion thereof, so redeemed and an
endorsement shall be made on such Series 2009C Note by the Trustee to
reflect such reduction.

 

Section 2.12.                             FORM OF SERIES 2009C
SENIOR NOTES.  The Series 2009C
Notes shall be substantially in the form attached as Exhibit A hereto.

 

7

 

Section 2.13.                             DEFEASANCE AND COVENANT
DEFEASANCE.  The provisions of Section 4.4
of the Indenture shall apply to the Series 2009C Notes.  The provisions of Section 4.5 of the
Indenture shall apply to the Series 2009C Notes with respect to the
covenants specified in said Section 4.5 and the covenants set forth in Section 2.6.
of this Supplemental Indenture No. 14.

 

Section 2.14.                             REGISTRAR AND PAYING
AGENT.  The Trustee shall initially serve
as Registrar and Paying Agent.

 

Section 2.15.                             ADDITIONAL SERIES 2009C
NOTES.  The Company shall, without
the consent of the holders of the Series 2009C Notes, be entitled to issue
additional Series 2009C Notes (the “Additional Notes”) under this
Supplemental Indenture No. 14 which shall have substantially identical
terms to the initial Series 2009C Notes, other than with respect to the
date of issuance, issue price and amount of interest payable on the first
interest payment date applicable thereto. 
The initial Series 2009C Notes and any Additional Notes shall be
treated as a single class for all purposes under this Supplemental Indenture No. 14.

 

ARTICLE 3

 

MISCELLANEOUS PROVISIONS

 

Section 3.1.                                   The Indenture,
as supplemented and amended by this Supplemental Indenture No. 14, is in
all respects hereby adopted, ratified and confirmed.

 

Section 3.2.                                   This
Supplemental Indenture No. 14 may be executed in any number of
counterparts, each of which shall be an original; but such counterparts shall
together constitute but one and the same instrument.

 

SECTION 3.3.       THIS
SUPPLEMENTAL INDENTURE NO. 14 AND EACH SERIES 2009C NOTE SHALL BE DEEMED TO BE
A CONTRACT MADE UNDER THE LAWS OF THE STATE OF NEW YORK AND SHALL BE GOVERNED
BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT
REGARD TO PRINCIPLES OF CONFLICTS OF LAWS.

 

8

 

IN WITNESS WHEREOF, the parties hereto have
caused this Supplemental Indenture No. 14 to be duly executed, as of the
day and year first written above.

 

 

	
   

  	
  PROTECTIVE LIFE CORPORATION

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Richard J. Bielen

  
	
   

  	
  Name:

  	
  Richard J. Bielen

  
	
   

  	
  Title:

  	
  Vice Chairman and

  
	
   

  	
   

  	
  Chief Financial Officer

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  (Seal)

  	
  By:

  	
  /s/ Carl S. Thigpen

  
	
   

  	
  Name:

  	
  Carl S. Thigpen

  
	
   

  	
  Title:

  	
  Executive Vice President, Investments

  
	
   

  	
   

  	
  and Chief Investment Officer

  
	
   

  	
   

  	
   

  
	
  Attest: 

  	
  /s/ Harriette Hyche

  	
   

  	
   

  	
   

  
	
  Name:

  	
  Harriette Hyche

  	
   

  	
   

  	
   

  
	
  Title:

  	
  Assistant Secretary

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  THE BANK OF NEW YORK MELLON TRUST

  
	
   

  	
  COMPANY, N.A., as Trustee

  
	
  (Seal)

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Charles S. Northen, IV

  
	
   

  	
  Name:

  	
  Charles S. Northen, IV

  
	
   

  	
  Title:

  	
  Vice President

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Attest:

  	
  /s/ Stuart E. Statham

  	
   

  	
   

  	
   

  
	
  Name:

  	
  Stuart E. Statham

  	
   

  	
   

  	
   

  
	
  Title:

  	
  Vice President

  	
   

  	
   

  	
   

  

 

[Signature Page to Supplemental Indenture No. 14]

 

9

 

EXHIBIT A TO

SUPPLEMENTAL INDENTURE NO. 14

 

(FORM OF FACE OF SENIOR NOTE DUE OCTOBER 15, 2024)

 

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE
ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER
NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS
MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN
AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF
FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE
REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

 

THIS SENIOR NOTE IS IN GLOBAL FORM WITHIN THE MEANING OF THE
INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF DTC OR A
NOMINEE OF DTC. UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR
SENIOR NOTES IN CERTIFICATED FORM IN THE LIMITED CIRCUMSTANCES DESCRIBED
IN THE INDENTURE, THIS NOTE MAY NOT BE TRANSFERRED EXCEPT AS A WHOLE BY
DTC TO A NOMINEE OF DTC, OR BY A NOMINEE OF DTC TO ANOTHER NOMINEE OF DTC, OR
BY DTC OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITORY OR A NOMINEE OF SUCH
SUCCESSOR DEPOSITORY.

 

PROTECTIVE LIFE CORPORATION

8.00% Senior Note due October 15, 2024

 

	
  No. 1

  	
  $100,000,000

  
	
   

  	
  CUSIP: 743674 509

  

 

Protective Life Corporation, a corporation duly organized and existing
under the laws of the State of Delaware (herein called the “Company,” which
term includes any successor corporation under the Indenture (as defined on the
reverse hereof), for value received, hereby promises to pay to Cede & Co.,
or registered assigns, the principal sum of $100,000,000 (One Hundred Million
and No/100  Dollars), or
such other amount as indicated on the Schedule of Redemptions attached hereto,
on October 15, 2024, and to pay interest thereon from October 9,
2009, or from the most recent Interest Payment Date to which interest has been
paid or duly provided for.  Interest shall
be payable on the Company’s 8.00% Senior Note due October 15, 2024 (“Series 2009C
Note”) quarterly on January 15, April 15, July 15 and October 15
of each year (each an “Interest Payment Date”), commencing on January 15,
2010 at the rate of 8.00% per annum, until the principal hereof is paid or made
available for payment; PROVIDED that any such installment of interest which is
overdue shall bear interest at the rate of 8.00% per annum (to the extent that
the payment of such interest shall be legally enforceable) from the dates such
amounts are due until they are paid or made available for payment, and such
interest shall be payable on demand.  The
amount of interest payable on any Interest Payment Date shall be computed on
the 

 

A-1

 

basis of twelve 30-day months and a 360-day year and, for any period
that is shorter than a full calendar month, will be calculated on the basis of
the actual number of days elapsed in such period.  In the event that any date on which interest
is payable on this Series 2009C Note is not a Business Day, then payment
of the interest payable on such date will be made on the next succeeding day
which is a Business Day (and without any interest or other payment in respect
to any such delay), except that, if such Business Day is in the next succeeding
calendar year, such payment shall be made on the immediately preceding Business
Day, in each case with the same force and effect as if made on such date.  The interest so payable on any Interest
Payment Date which is punctually paid or duly provided for on any Interest
Payment Date will, as provided in the Indenture referred to on the reverse
hereof, be paid to the Person in whose name this Series 2009C Note is
registered at the close of business on the Regular Record Date for such
Interest Payment Date, which shall be the January 1, April 1, July 1
or October 1, as the case may be, preceding such Interest Payment
Date.  Any such interest not so
punctually paid or duly provided for will forthwith cease to be payable to the
Person in whose name this Series 2009C Note is registered on the relevant
Regular Record Date, and such defaulted interest shall instead be payable to
the Person in whose name this Series 2009C Note is registered on the
Special Record Date or other specified date determined in accordance with the
Indenture and Supplemental Indenture No. 14, referred to on the reverse
hereof.

 

Payment of the principal of and interest on this Series 2009C Note
will be made at the office or agency of the Company maintained for that purpose
in the Borough of Manhattan, The City of New York (which shall initially be the
Corporate Trust Office of the Trustee), in same day funds by wire transfer to
an account maintained by the Person entitled thereto as specified in the
Register of Holders of the Series 2009C Notes, in such coin or currency of
the United States of America as at the time of payment is legal tender for
payment of public and private debts.

 

Reference is hereby made to the further provisions of this Series 2009C
Note set forth on the reverse hereof, which further provisions shall for all
purposes have the same effect as if set forth at this place.

 

Unless the certificate of authentication hereon has been executed by
the Trustee referred to on the reverse hereof by manual signature, this Series 2009C
Note shall not be entitled to any benefit under the Indenture and Supplemental
Indenture No. 14 referred to on the reverse hereof or be valid or
obligatory for any purpose.

 

A-2

 

IN WITNESS WHEREOF, Protective Life
Corporation has caused this instrument to be executed under its corporate seal.

 

	
  Dated: October 9, 2009

  	
   

  
	
  (Corporate Seal)

  	
  PROTECTIVE LIFE CORPORATION

  
	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  
	
   

  	
   

  	
  Richard J. Bielen

  
	
   

  	
   

  	
  Vice Chairman and

  
	
   

  	
   

  	
  Chief Financial Officer

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  
	
   

  	
   

  	
  Carl S. Thigpen

  
	
   

  	
   

  	
  Executive Vice President, Investments

  
	
   

  	
   

  	
  and Chief Investment Officer

  

 

 

This is one of the Securities of the series described in the
within-mentioned Indenture.

 

	
  Dated: October 9, 2009

  	
   

  
	
   

  	
   

  
	
   

  	
  THE BANK OF NEW YORK MELLON TRUST

  
	
   

  	
  COMPANY, N.A., as Trustee

  	
   

  
	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
                    By:

  	
   

  
	
   

  	
   

  	
  Authorized Signatory

  
				

 

A-3

 

(FORM OF REVERSE OF SERIES 2009C NOTE)

 

This Series 2009C Note is one of a duly authorized issue of
securities of the Company (herein called the “Securities”), issued and to be
issued in one or more series under a Senior Indenture, dated as of June 1,
1994 (herein, together with all indentures supplemental thereto, including
Supplemental Indenture No. 14, dated as of October 9, 2009, called
the “Indenture”), from the Company to The Bank of New York Mellon Trust
Company, N.A. (herein called the “Trustee,” which term includes any successor
or replacement trustee under the Indenture), to which Indenture reference is
hereby made for a statement of the respective rights, limitations of rights,
duties and immunities thereunder of the Company, the Trustee and the Holders of
the Securities and of the terms upon which the Securities are, and are to be,
authenticated and delivered.  This
Security is one of the series designated on the face hereof, limited in
aggregate principal amount to $100,000,000  or such higher principal amount as shall be
outstanding as a result of the issuance of Additional Notes (as defined
herein), and is issued pursuant to Supplemental Indenture No. 14, dated as
of October 9, 2009 from the Company to the Trustee, relating to the
securities of this series (herein called “Supplemental Indenture No. 14”).  Notwithstanding the foregoing, the Company
shall, without the consent of the holders of the Series 2009C Notes, be
entitled to issue additional Series 2009C Notes (the “Additional Notes”)
under this Supplemental Indenture No. 14 which shall have substantially
identical terms to the initial Series 2009C Notes, other than the respect
to the date of issuance, issue price and amount of interest payable on the
first interest payment date applicable thereto. 
The initial Series 2009C Notes and any Additional Notes shall be
treated as a single class for all purposes under Supplemental Indenture No. 14.

 

The Company shall have no obligation to redeem or purchase the
Securities pursuant to any sinking fund.

 

Redemption Right at Company’s Option.  The Company has the right to redeem the Series 2009C
Notes, in whole or in part, on or after October 15, 2014, at its sole
option, at any time and from time to time, prior to October 15, 2024 at a “Redemption
Price” equal to 100% of their principal amount, plus accrued and unpaid
interest to the date of redemption, subject to the terms and conditions set
forth in the Indenture.

 

Selection of Series 2009C Notes to be Redeemed.  If less than all the Series 2009C Notes
are to be redeemed, the Trustee shall select the Series 2009C Notes to be
redeemed by lot or by any other method the Trustee shall deem fair and
reasonable.  The Trustee shall make the
selection not more than 60 days before the redemption date from Series 2009C
Notes then outstanding that have not been previously called for
redemption.  The Trustee shall promptly
notify the Company in writing of the Series 2009C Notes selected for
redemption and, in the case of any Series 2009C Note selected for partial
purchase or redemption, the principal amount thereof to be purchased or
redeemed.  Series 2009C Notes and
portions of Series 2009C Notes that the Trustee selects shall be in
amounts of $20 or in integral multiples thereof.  Provisions of this Indenture that apply to Series 2009C
Notes called for redemption also apply to portions of Series 2009C Notes
called for redemption.

 

Events of Default.  The Indenture contains provisions for
defeasance at any time of the indebtedness on this Security or of certain
restrictive covenants and Events of Default with respect to this Security, in
each case upon compliance by the Company with certain conditions set forth
therein, which provisions apply to this Security.

 

A-4

 

If an Event of Default with respect to Securities of this series shall
occur and be continuing, the principal of the Securities of this series may be
declared due and payable in the manner and with the effect provided in the
Indenture.

 

The Indenture permits, with certain exceptions as therein provided, the
amendment thereof and the modification of the rights and obligations of the
Company and the rights of the Holders of the Securities of each series to be
affected under the Indenture at any time by the Company and the Trustee with
the consent of the Holders of at least a majority in aggregate principal amount
of the Securities at the time Outstanding of each series to be affected.  The Indenture also contains provisions
permitting the Holders of specified percentages in aggregate principal amount
of the Securities of each series at the time Outstanding, on behalf of the
Holders of all Securities of such series, to waive compliance by the Company
with certain provisions of the Indenture and certain past defaults under the
Indenture and their consequences.  Any
such consent or waiver by the Holder of this Security shall be conclusive and
binding upon such Holder and upon all future Holders of this Security and of
any Security issued upon the registration of transfer hereof or in exchange
hereof or in lieu hereof, whether or not notation of such consent or waiver is
made upon this Security.  No reference
herein to the Indenture or to Supplemental Indenture No. 14 and no
provision of this Security or of the Indenture or of Supplemental Indenture No. 14
shall alter or impair the obligation of the Company, which is absolute and
unconditional, to pay the principal of, and interest on, this Security at the
times, place and rate, and in the coin or currency, herein prescribed.

 

Transfer or Exchange of Series 2009C Notes.  As provided in the Indenture and subject to
certain limitations as set forth therein and in Supplemental Indenture No. 14,
the transfer of this Security is registrable on the Register, upon surrender of
this Security for registration of transfer at the office or agency of the
Company in any place where the principal of and interest on this Security are
payable, duly endorsed by, or accompanied by a written instrument of transfer
in form satisfactory to the Company, the Trustee and the Registrar duly
executed by the Holder hereof or his attorney duly authorized in writing, and
thereupon one or more new Securities of this series and of like tenor, of
authorized denominations and for the same aggregate principal amount, will be
issued to the designated transferee or transferees.

 

The Securities of this series are issuable only in registered form
without coupons in denominations of $20 and in integral multiples thereof.  As provided in the Indenture and subject to
certain limitations therein set forth, Securities of this series are
exchangeable for a like aggregate principal amount of Securities of this series
of a like tenor of a different authorized denomination, as requested by the
Holder surrendering the same.

 

No service charge shall be made for any such registration of transfer
or exchange, but the Company may require payment of a sum sufficient to cover
any tax or other governmental charge payable in connection therewith.

 

Prior to due presentment of this Security for registration of transfer,
the Company, the Trustee and any agent of the Company or the Trustee may treat
the person in whose name this Security is registered as the owner hereof for
all purposes, whether or not the Security be overdue, and neither the Company,
the Trustee nor any such agent of the Company or the Trustee shall be affected
by notice to the contrary.

 

A-5

 

THIS SECURITY SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE
LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF
LAWS.

 

All terms used in this Security which are defined in the Indenture
shall have the meanings assigned to them in the Indenture.

 

A-6

 

SCHEDULE OF REDEMPTIONS

 

The following redemptions of interests in this Global Note have been
made:

 

	
  Date
  of

  Redemption

  	
   

  	
  Amount of Decrease

  in Principal Amount

  of this Global Note

  	
   

  	
  Principal Amount of the

  Global Note

  Following Such

  Decrease

  	
   

  	
  Signature of

  Authorized

  Officer

  of Trustee

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

A-7ex101.htm

    EXHIBIT
10.1

    SHARE PURCHASE
AGREEMENT

    

    

    THIS SHARE PURCHASE AGREEMENT
(the "Agreement") is entered into on the 9th day
of October, 2009, by and among Narayan Capital Funding Corp., Inc., a Florida
corporation (“Buyer”), Willowhuasca Wellness, Inc. (“Seller”), and Darshan
Equity Investment, Inc., a Florida corporation (the “Company”).

    

    EXPLANATORY STATEMENT

    

    WHEREAS, Seller desires to
sell, and Buyer desires to acquire, ninety percent (90%) of the issued and
outstanding shares of common stock of the Company (the “Common Stock”), on the
terms described below.

    

    NOW, THEREFORE, in
consideration of the premises and the mutual covenants, conditions and promises
hereinafter set forth, the parties hereto agree as follows:

    

    1.           PURCHASE AND
SALE.

    

    1.1           Shares.  On
the terms and subject to the conditions herein provided, Seller agrees to sell,
transfer and assign to Buyer, and Buyer agrees to purchase and acquire from
Seller, on the Closing Date (as defined in Section 1.4 below), Two Million Seven
Hundred Thousand (2,700,000) shares (the “Shares”) of Common
Stock.  The Company has issued and outstanding an aggregate of Three
Million (3,000,000) shares of common stock.

    

    1.2           Excluded
Liabilities.  Buyer will not acquire, and Seller shall pay or
cause the Company to pay, all of the Company’s liabilities as of the Closing
Date.

    

    1.3           Purchase
Price.

    

    (1)           Purchase
Price.  The aggregate purchase price for the Shares to be sold
by Seller and to be purchased by Buyer is Ten Thousand Dollars ($10,000), which
is payable upon the closing of this Agreement.

    

    (2)           Manner of
Payment.  Buyer shall pay the Purchase Price by check or wire
transfer of immediately available funds to an account designated by
Seller.

    

    1.4           Closing; Effective
Date.  Subject to the satisfaction of the conditions stated in
Section 6, the closing of the transactions contemplated by this Agreement (the
“Closing”) shall take place at the Seller's office at 10:00 a.m. EDT on the date
first above written (the “Closing Date”).

    

    1.5           Transactions and Documents
at Closing.

    

    (1)           Deliveries by Seller and the
Company.  At the Closing, Seller and the Company shall deliver
to Buyer:

    

    
      	
               
      

            	
              (1)

            	
              the
      certificate representing the Shares in proper form for transfer to
      Buyer;

            

    

    

    
      	
               
      

            	
              (2)

            	
              the
      resignation of the Company’s sole officer and
  director;

            

    

    

    
      	
               
      

            	
              (3)

            	
              the
      stock ledger, minute book, corporate seal and books and records of the
      Company; and

            

    

    

    
      	
               
      

            	
              (4)

            	
              a
      certified copy of all necessary corporate action approving the Company’s
      execution, delivery and performance of this
  Agreement.

            

    

    

    (2)           Deliveries by
Buyer.  At the Closing, Buyer shall deliver to
Seller:

    
      
         

      

      
        -1-

        
          

        

      

      
         

      

    

    

    
      	
               
      

            	
              (1)

            	
              payment
      of the Purchase Price; and

            

    

    

    
      	
               
      

            	
              (2)

            	
              a
      certified copy of all necessary corporate action approving Buyer’s
      execution, delivery and performance of this
  Agreement.

            

    

    

    2.           ADDITIONAL
AGREEMENTS.

    

    2.1           Cooperation; Further
Assurances.  Each of the parties hereto will cooperate with the
other and execute and deliver to the other parties hereto such other instruments
and documents, provide such other notices or communications and take such other
actions as may be reasonably requested from time to time by any other party
hereto as necessary to carry out the intended purposes of this
Agreement.

    

    3.           REPRESENTATIONS, COVENANTS
AND WARRANTIES OF SELLER AND THE COMPANY.

    

    To induce
Buyer to enter into this Agreement and to consummate the transactions
contemplated hereby, Seller and the Company represent and warrant to and
covenant with Buyer as follows:

    

    3.1           Organization.  Each
of the Company and the Seller is a corporation duly organized, validly existing
and in good standing under the laws of the State of Florida.

    

    3.2           Execution; No Inconsistent
Agreements.

    

    (1)           The
execution and delivery of this Agreement and the performance of the transactions
contemplated hereby have been duly and validly authorized and approved by Seller
and the Company, and this Agreement is a valid and binding agreement of Seller
and the Company, enforceable against Seller and the Company in accordance with
its terms.

    

    (2)           The
execution and performance of this Agreement by Seller does not constitute a
breach or violation of the organizational or governing documents of Seller or
the Company, or a material default under any of the terms, conditions or
provisions of (or an act or omission that would give rise to any right of
termination, cancellation or acceleration under) any agreement or obligation to
which Seller or the Company is a party.

    

    3.3           Title to
Shares.  Seller shall transfer to Buyer good and valid title to
the Shares, free and clear of all liens and encumbrances.

    

    4.           REPRESENTATIONS, COVENANTS
AND WARRANTIES OF BUYER.

    

    To induce
Seller and the Company to enter into this Agreement and to consummate the
transactions contemplated hereby, Buyer represents and warrants to and covenants
with Seller and the Company as follows:

    

    4.1           Organization;
Compliance.   Buyer is a corporation duly organized,
validly existing and in good standing under the laws of the State of
Florida.

    

    4.2           
Execution; No
Inconsistent Agreements; Etc.

    

    (1)           The
execution and delivery of this Agreement and the performance of the transactions
contemplated hereby have been duly and validly authorized and approved by Buyer
and this Agreement is a valid and binding agreement of Buyer, enforceable
against Buyer in accordance with its terms.

    

    (2)           The
execution and delivery of this Agreement by Buyer does not, and the consummation
of the transactions contemplated hereby will not, constitute a breach or
violation under any of the terms, conditions or provisions of (or an act or
omission that would give rise to any right of termination, cancellation or
acceleration under) any agreement or obligation to which Buyer is a
party.

    

    4.3           Investment
Representation.  Buyer understands and acknowledges that (a)
the Shares have not been registered under the Securities Act of 1933, as amended
(the “Securities Act”), or under any state securities laws in reliance upon
exemptions provided thereunder and that the Shares may not be transferred or
sold except pursuant to the registration provisions of the Securities Act or
pursuant to an applicable exemption therefrom and pursuant to state securities
laws and regulations, as applicable, and (b) the representations and warranties
contained herein are being relied upon by the Company and Seller as a basis for
the exemption for the transfer of the Shares pursuant to this Agreement under
the registration requirements of the Securities Act and any applicable state
securities laws.  Buyer is acquiring the Shares for Buyer's own
account for the purpose of investment and not with a view to, or for sale in
connection with, any distribution thereof in violation of the Securities
Act.  Buyer has had the opportunity to review the books and records of
the Company and has been furnished or provided access to such relevant
information that Buyer has requested.  Buyer is knowledgeable,
sophisticated and experienced in business and financial matters of the type
contemplated by this Agreement and is able to bear the risks associated with an
investment in the Company.  Buyer has considered the investment in the
Shares and has had an opportunity to ask questions of and receive answers from
the sole officer and director of the Company about the Shares and the business
and financial condition of the Company sufficient to enable it to evaluate the
risks and merits of its investment in the Company.

    
      
         

      

      
        -2-

        
          

        

      

      
         

      

    

    

    4.4           Status of
Buyer.  Buyer is an “accredited investor" within the meaning of
Rule 501 promulgated under the Securities Act.

    

    5.           BUYER'S ACCESS TO
INFORMATION AND ASSETS.  Buyer and its authorized
representatives, at Buyer’s own expense, shall have access to the books,
records, employees, counsel, accountants, and other representatives of the
Company at all times reasonably requested by Buyer for the purpose of conducting
an investigation of the Company's financial condition, corporate status,
operations, business, assets and properties.

    

    6.           CLOSING
CONDITIONS.

    

    6.1           Conditions to Obligations of
Seller.  The obligations of Seller to carry out the
transactions contemplated by this Agreement are subject, at the option of
Seller, to the following conditions:

    

    (1)           Buyer
shall have furnished Seller with a certified copy of all necessary corporate
action on its behalf approving its execution, delivery and performance of this
Agreement.

    

    (2)           All
representations and warranties of Buyer contained in this Agreement shall be
true and correct in all material respects at and as of the Closing, as if such
representations and warranties were made at and as of the Closing, and Buyer
shall have performed and satisfied in all material respects all covenants and
agreements required by this Agreement to be performed and satisfied by Buyer at
or prior to the Closing; provided, however, that Seller shall not be entitled to
refuse to consummate the transactions contemplated by this Agreement in reliance
upon its own breach or failure to perform.

    

    (3)           Buyer
shall have executed and delivered to Seller the documents referred to in Section
1.5(2)(2)

    

    6.2           Conditions to Obligations of
Buyer.  The obligations of Buyer to carry out the transactions
contemplated by this Agreement are subject, at the option of Buyer, to the
satisfaction of the following conditions:

    

    (1)           The
Company shall have furnished Buyer with a certified copy of all necessary
corporate action on its behalf approving its execution, delivery and performance
of this Agreement.

    

    (2)           All
representations and warranties of Seller and the Company contained in this
Agreement shall be true and correct in all material respects at and as of the
Closing, as if such representations and warranties were made at and as of the
Closing, and Seller and the Company shall have performed and satisfied in all
material respects all agreements and covenants required by this Agreement to be
performed and satisfied by Seller and the Company at or prior to the Closing;
provided, however, that Buyer shall not be entitled to refuse to consummate the
transactions contemplated by this Agreement in reliance upon its own breach or
failure to perform.

    

    (3)           Seller
and the Company shall have executed and delivered to Buyer the documents
referred to in Section 1.5(1)

    

    7.           MISCELLANEOUS.

    

    7.1           Notices.  All
notices, requests, demands, or other communications required or permitted
hereunder shall be in writing and shall be deemed to have been duly given upon
receipt if delivered in person, one (1) business day after the date of mailing
by Federal Express or other reputable overnight courier service or upon the
expiration of three (3) days after the date of posting, if mailed by certified
mail return receipt requested, postage prepaid, to the parties.

     
 

    7.2           Counterparts; Entire
Agreement.  This Agreement may be executed in any number of
counterparts, each of which shall be deemed an original, and all of which shall
constitute one and the same agreement.  This Agreement supersedes all
prior discussions and agreements between the parties with respect to the subject
matter hereof, and this Agreement contains the sole and entire agreement among
the parties with respect to the matters covered hereby.  This
Agreement shall not be altered or amended except by an instrument in writing
signed by or on behalf of all of the parties hereto.

    

    7.3           Governing
Law.  The validity and effect of this Agreement shall be
governed by and construed and enforced in accordance with the laws of the State
of Florida.

    

    7.4           Successors and Assigns;
Assignment.  This Agreement shall be binding upon and shall
inure to the benefit of the parties hereto and their respective heirs,
executors, legal representatives, and successors; provided, however, that no
party hereto may assign this Agreement or any of its rights hereunder, in whole
or in part, except upon the prior written consent of the other parties
hereto.

    
      
         

      

      
        -3-

        
          

        

      

      
         

      

    

    

    IN WITNESS WHEREOF, the
parties have executed this Agreement on the date first above
written.

    

    

    SELLER:

    

    WILLOWHUASCA
WELLNESS, INC.

    

    

    By:  /s/ Colleen
Foyo                                                                

         Colleen
Foyo, President

    

    COMPANY:

    

    DARSHAN
EQUITY INVESTMENT, INC.

    

    

    By:    /s/
Colleen
Foyo                                                                

         Colleen
Foyo, President

    

    BUYER:

    

    NARAYAN
CAPITAL FUNDING CORP.

    

    

    By:   /s/ Robert
Papiri                                                                

         Robert
Papiri, President

    

    

    
      
         

      

      
        -4-

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