Document:

EXHIBIT 10.18

 

THIRD AMENDMENT TO LOAN AND SECURITY AGREEMENT

 

                This Third Amendment to Loan and
Security Agreement is dated as of March 30, 1998 between BRAD FOOTE GEAR
WORKS, INC. f/k/a BFG Acquisition Corp., an Illinois corporation (“Borrower”)
and LASALLE NATIONAL BANK formerly known as LaSalle Bank NI (“Lender”).

 

                WHEREAS, Borrower and Lender
have entered in that certain Loan and Security Agreement dated as of January 17,
1997, as amended by those certain letter amendments dated February 28,
1997 and July 23, 1997 (such agreement, as amended, the “Loan Agreement”)
with regard to a $2,200,000.00 revolving line of credit loan (the “Revolving
Loan”) extended by Lender to Borrower, and a $2,700,000.00 (the “Term Loan”)
made by Lender to Borrower; and

 

                WHEREAS, Borrower has requested
that Lender make Borrower an equipment loan of up to $1,500,000.00 (the “Equipment
Loan”) and extend to Borrower an $850,000.00 non-revolving equipment line of
credit (the “Equipment Line of Credit”); and

 

                WHEREAS, Borrower has further
requested that Lender (i) release the existing guaranties of Dennis Palmer
and Patrick Rosmonowski, (ii) limit the existing guaranty of J. Cameron
Drecoll to the sum of $750,000.00, and (iii) make certain changes to the
Loan Agreement; and

 

                WHEREAS, Lender has agreed to
the foregoing requests provided (a) Borrower executes and delivers such
documents and instruments required by Lender, including, promissory notes to
evidence the Equipment Loan and Equipment Line of Credit and this Amendment,
and (b) J. Cameron Drecoll executes and delivers to the Lender an
Amendment and Reaffirmation of Guaranty and Consent; and

 

                WHEREAS, as a condition
precedent to making the Equipment Loan and Equipment Line of Credit, the Lender
requires that the Borrower confirm and assure that the Collateral (as defined
in the Loan Agreement) will secure payment of the Equipment Loan and Equipment
Line of Credit, and all other Indebtedness (as defined in the Loan Agreement).

 

                NOW, THEREFORE, for valuable
consideration, the receipt of which is hereby acknowledged, and in
consideration of the foregoing premises, the parties hereto agree as follows:

 

1.             The capitalized terms used herein
without definition shall have the same meaning herein as such terms have in the
Loan Agreement.

 

2.             Section 1.1 of the Loan
Agreement is amended to add the following new definitions:

 

(a)           “Equipment Line of Credit” shall mean
the equipment line of credit described in Section 3B hereof and all
extensions, renewals, amendments, refinancings, modifications, consolidations
and conversions thereof or thereto.

 

 

1

 

(b)           “Equipment Line Note” shall mean the
promissory note evidencing the Equipment Line of Credit executed by Borrower in
accordance with Section 3B hereof and all extensions, renewals,
amendments, refinancings, modifications, consolidations and conversions thereof
or thereto.

 

(c)           “Equipment Loan” shall mean the
equipment loan described in Section 3A hereof and all extensions,
renewals, amendments, refinancings, modifications, consolidations, and
conversions thereof or thereto.

 

(d)           “Equipment Note” shall mean the
promissory note evidencing the Equipment Loan executed by Borrower in
accordance with Section 3A hereof and all extensions, renewals,
amendments, refinancings, modifications, consolidations, and conversions
thereof or thereto.

 

3.             The following definitions in Section 1.1
of the Loan Agreement are amended as follows:

 

(a)           the definition of “Guarantors” is
hereby deleted, and the following definition is hereby substituted therefor:

 

                “Guarantor” shall mean J.
Cameron Drecoll.

 

(b)           the definition of “Guaranties” is
hereby deleted, and the following definition is hereby substituted therefor:

 

                “Guaranty” shall mean the
continuing guaranty to be executed by the Guarantor in accordance with Section 5
hereof, pursuant to which the Guarantor unconditionally guarantees repayment to
the Lender of all the Indebtedness, subject to the limitation of liability
described in Section 5.

 

(c)           the definition of the term “Loans” is
hereby amended in its entirety to read as follows:

 

                “Loans” shall mean collectively,
the Revolving Loan, the Term Loan, the Equipment Loan, the Equipment Line of
Credit, and all extensions, renewals, amendments, refinancings, modifications,
consolidations, conversions, and increases thereof or thereto.

 

(d)           the definition of the term “Notes” is
hereby amended in its entirety to read as follows:

 

                “Notes” shall mean collectively,
the Revolving Note, the Term Note, the Equipment Note, the Equipment Line Note,
and all extensions, renewals, amendments, refinancings, modifications,
consolidations and conversions thereof or thereto.

 

4.             In the second paragraph of Section 2.3
of the Loan Agreement, the words “plus one-half percent” in the fourth line are
deleted and the words “minus one-half percent” are substituted therefor.

 

 

2

 

5.             Section 2.4 of the Loan
Agreement entitled “Lock Box” is hereby amended to add the following new
last paragraph thereto:

 

                “Notwithstanding anything
contained in this Section 2.4 to the contrary, so long as no Event of
Default shall have occurred and be continuing, the requirement of maintaining
the Lock Box shall be at Borrower’s option, and not mandatory. However, if an
Event of Default shall occur and be continuing, the maintenance of the Lock Box
shall become mandatory, and Borrower shall forthwith strictly comply with all
of the terms of this Section 2.4.”

 

6.             In the twelfth line of the first
paragraph of Section 3.1 of the Loan Agreement, the words “plus one-half
percent” are deleted, and the words “minus one-half percent” are substituted
therefor.

 

7.             The Loan Agreement is hereby
amended to insert the following new Section 3A and Section 3B
thereto:

 

                “SECTION 3A. EQUIPMENT
LOAN.

 

                3A.1        Equipment Loan. 
The Lender agrees to make the Borrower a secured equipment loan in the
principal amount of up to One Million Five Hundred Thousand and no/100
($1,500,000.00) Dollars (herein, the “Equipment Loan”). The Equipment Loan
shall be evidenced by an equipment note dated March 30, 1998, executed by
Borrower, in the principal sum of One Million Five Hundred Thousand and no/100
($1,500,000.00) Dollars (the “Equipment Note”), payable to the order of the
Lender in eighty-three (83) successive equal monthly installments of principal
in an amount calculated by dividing the amount advanced under the Equipment
Note by eighty-four (84), plus interest, commencing June 1, 1998, and
payable on the first (1st) day of each month thereafter, followed by a final
payment of the entire unpaid principal balance and accrued interest due on May 1,
2005. Interest shall be payable monthly on the unpaid principal balance of the
Equipment Note (concurrently with each principal payment), calculated at a per
annum rate equal to the Prime Rate less one-half percent (1/2%), and after
default or maturity, at a rate per annum equal to the Prime Rate plus three
percent (3%) per annum. In addition, a late charge equal to three percent (3%)
of each late payment may be charged on any payment not received by the Lender
within five (5) calendar days after the payment due date, but acceptance
of payment of this charge shall not waive any Default or Event of Default.  Interest on the Equipment Note shall be
calculated on the basis of a 360-day year for the actual number of days the
principal is outstanding.

 

                The proceeds of the Equipment
Loan shall be used by Borrower solely to purchase a Pfauter Gear Grinder. The
Lender will advance to Borrower the lesser of (i) one hundred percent
(100%) of the cost of such equipment, and (ii) $1,500,000.00.  Borrower will provide the Lender with copies
of the invoice and any purchase agreement for such equipment.  Upon payment for such equipment, Borrower
shall obtain a final bill of sale from the supplier of the equipment, and
provide a copy thereof to Lender.

 

 

3

 

                SECTION 3B.
EQUIPMENT LINE OF CREDIT.

 

                3B.1        Equipment Line of Credit.  The Lender agrees to extend to the Borrower a
secured equipment line of credit in the principal amount of Eight Hundred Fifty
Thousand and no/100 ($850,000.00) Dollars (herein, the “Equipment Line of
Credit”). The Equipment Line of Credit shall be evidenced by an equipment line
note dated March 30, 1998, executed by Borrower, in the principal sum of
Eight Hundred Fifty Thousand and no/100 ($850,000.00) Dollars (the “Equipment
Line Note”), payable to the order of the Lender as follows:  interest only payable monthly until the “Conversion
Date” as therein defined, followed by eighty-four (84) equal successive monthly
installments of principal (the amount of each such principal payment to be
calculated by dividing the outstanding principal balance of such Note on the
Conversion Date by eighty-four (84)), plus interest as provided in the
following sentence, commencing on the first day of the first full month
following the Conversion Date and continuing on the same day of each successive
month thereafter, provided that the 84th payment shall be in an amount equal to
the entire remaining principal balance of such Note, plus all accrued and
unpaid interest. Interest will be payable monthly (concurrently with each
payment of principal) on the unpaid principal balance thereof from time to time
unpaid calculated at a variable rate per annum equal to the Prime Rate minus
one-half percent (1/2%), and after default or maturity, at a rate per annum
equal to the Prime Rate plug three percent (3%) per annum. In addition, a late
charge equal to three percent (3%) of each late payment may be charged on any
payment not received by the Lender within five (5) calendar days after the
payment due date, but acceptance of payment of this charge shall not waive any
Default or Event of Default. Interest on the Equipment Line Note shall be
calculated on the basis of a 360-day year for the actual number of days the
principal is outstanding.

 

                The proceeds of the Equipment
Line of Credit shall be used by Borrower solely to purchase two Toshiba
Vertical Boring Mills.  Borrower will
provide the Lender with copies of the invoice and any purchase agreement for
such equipment.  Upon payment for such
equipment, Borrower shall obtain a final bill of sale from the supplier of the
equipment, and provide a copy thereof to Lender.”

 

8.             Section 5 of the Loan
Agreement is hereby amended in its entirety to read as follows:

 

                “SECTION 5. GUARANTOR.

 

                The payment and performance of
all indebtedness, liabilities and obligations of the Borrower to the Lender,
whether now existing or hereafter created or arising, including, without
limitation, the Loans (and all renewals, extensions, modifications, amendments,
refinancings and consolidations thereof or thereto), shall be unconditionally
guaranteed by Guarantor, pursuant to a continuing guaranty, in form and substance
satisfactory to the Lender (the “Guaranty”). 
The Guaranty shall provide that the liability of the Guarantor shall not
exceed the aggregate sum of $750,000.00.”

 

9.             In Section 8.2, the word “daily”
in the third line, is deleted, and the word “monthly” is substituted therefor.

 

 

4

 

10.           In Section 10:

 

(a)           The fourth paragraph is amended in
its entirety to read as follows:

 

                “Borrower shall deliver to the
Lender a monthly borrowing base certificate, in form acceptable to Lender,
within fifteen (15) days after month-end.”

 

(b)           The following last paragraph is added
at the end of Section 10:

 

“Notwithstanding
anything contained hereinabove to the contrary, commencing with the December 31,
1997 fiscal year end financial statements, the annual financial statements to
be furnished by Borrower to Lender shall be reviewed annual financial
statements instead of audited annual financial statements.”

 

11.           Section 14.1(c) of the Loan
Agreement is hereby amended in its entirety to read as follows:

 

                “(c)         Total Unsubordinated Debt to Tangible Net Worth.  Borrower will maintain at all times a ratio
of total unsubordinated Debt to Tangible Net Worth of not greater than 3.0 to
1.0.”

 

12.           Section 14.1(d) of the Loan
Agreement is hereby amended in its entirety to read as follows:

 

                “(d)         Capital Expenditures. 
Borrower will not make or incur Capital Expenditures in excess of (i) $3,000,000.00
in the aggregate during fiscal year 1998, and (ii) $500,000.00 in the
aggregate during fiscal year 1999, and iii) $500,000.00 in the aggregate during
fiscal year 2000.”

 

13.           The Loan Agreement is further amended
to change the address of the Lender, wherever it appears therein, to read: 135
S. LaSalle Street, Chicago, Illinois 60603.

 

14.           The Borrower acknowledges and agrees
that the Loan Agreement is and as amended hereby shall remain in full force and
effect, and that the Collateral is and shall remain subject to the lien and
security interest granted and provided for by the Loan Agreement as amended
hereby, for the benefit and security of all obligations and indebtedness
heretofore, now or hereafter owed by Borrower to Lender, including, without
limitation, the indebtedness evidenced by the Revolving Note, the Term Note,
the Equipment Note, the Equipment Line Note, and all other Indebtedness.

 

Without
limiting the foregoing, the Borrower hereby agrees that, notwithstanding the
execution and delivery hereof, (i) all rights and remedies of the Lender
under the Loan Agreement, (ii) all obligations and indebtedness of the
Borrower thereunder, and (iii) the lien and security interest granted and
provided for thereby are and as amended hereby shall remain in full force and
effect for the benefit and security of all obligations and indebtedness of the
Borrower thereunder, including, without limitation, the indebtedness evidenced
by the Revolving Note, the Term Note, the Equipment Note, the Equipment Line
Note, and all other Indebtedness, it being specifically understood and agreed
that this Amendment shall constitute and be an acknowledgment and 

 

 

5

 

continuation
of the rights, remedies, lien and security interest in favor of the Lender, and
the obligations and indebtedness of the Borrower to the Lender, which exist
under the Loan Agreement as amended hereby, each and all of which are and shall
remain applicable to the Collateral.

 

This
Amendment confirms and assures a lien and continuing security interest in the
Collateral heretofore granted in favor of the Lender under the Loan Agreement,
and nothing contained herein shall in any manner impair the priority of such
lien and security interest.

 

15.           In order to induce Lender to extend
the Equipment Loan and Equipment Line of Credit to Borrower as aforesaid, the
Borrower hereby represents and warrants to the Lender that as of the date
hereto, each of the representations and warranties set forth in the Loan
Agreement, as amended hereby, are true and correct and the Borrower is in full
compliance with all of the terms and conditions of the Loan Agreement, as
amended hereby, and no event of default as defined in the Loan Agreement, as
amended hereby, or any other event which with the lapse of time, the giving of
notice or both would constitute such an event of default, has occurred and is
continuing.

 

16.           Except as specifically amended and
modified hereby, all of the terms and conditions of the Loan Agreement shall
stand and remain unchanged and in full force and effect.  This instrument shall be  construed and governed by and in accordance
with the laws of the State of Illinois.

 

IN
WITNESS WHEREOF, the parties have entered into this Third Amendment to Loan and
Security Agreement as of the 30th day of March, 1998.

 

	
  BRAD
  FOOTE GEAR WORKS, INC.

  	
   

  	
  LASALLE
  NATIONAL BANK

  
	
  Borrower

  	
   

  	
  Lender

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  By:
  

  	
  /s/
  J. Cameron Drecoll

  	
   

  	
   

  	
  By:
  

  	
  /s/
  [ILLEGIBLE]

  	
   

  
	
   

  	
  J.
  Cameron Drecoll

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Title:

  	
  President

  	
   

  	
  Title:

  	
  First
  Vice President

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Attest:

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
  /s/
  Joan M. Drecoll

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Joan
  M. Drecoll

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Title:

  	
  Secretary

  	
   

  	
   

  	
   

  
								

 

 

6EXHIBIT 10.19

 

FOURTH AMENDMENT TO LOAN AND SECRITYAGREFMENT

 

                This Fourth Amendment to Loan
and Security Agreement is dated as of December 1, 1998 between BRAD FOOTE
GEAR WORKS, INC. f/k/a BFG Acquisition Corp., an Illinois corporation (“Borrower”)
and LASALLE NATIONAL BANK formerly known as LaSalle Bank NI (“Lender”).

 

                WHEREAS, Borrower and Lender
have entered in that certain Loan and Security Agreement dated as of January 17,
1997, as amended by those certain letter amendments dated February 28,
1997 and July 23, 1997 and that certain Third Amendment to Loan and
Security Agreement dated as of March 30, 1998 (such agreement, as so
amended, the “Loan Agreement”) with regard to the following loans extended by
Lender to Borrower:  (i) a
$2,200,000.00 revolving line of credit loan (the “Revolving Loan”), (ii) a
$2,700,000.00 term loan (the “Term Loan”), (iii) a $1,500,000.00 equipment
loan (the “Equipment Loan”), and (iv) an $850,000.00 non-revolving
equipment line of credit (the “Equipment Line of Credit”); and

 

                WHEREAS, Borrower has further
requested that Lender (i) modify the interest rates charged on the
foregoing loans, (ii) release the existing guaranty of J. Cameron Drecoll,
and (iii) modify certain financial covenants and restrictions set forth in
the Loan Agreement; and

 

                WHEREAS, Lender has agreed to
the foregoing requests provided Borrower executes and delivers such documents
and instruments required by Lender, including amended and restated promissory
notes to reflect the changes in the applicable interest rates charged on the
aforesaid loans and this Amendment;

 

                NOW, THEREFORE, for valuable
consideration, the receipt of which is hereby acknowledged, and in
consideration of the foregoing premises, the parties hereto agree as follows:

 

1.             The capitalized terms used herein
without definition shall have the same meaning herein as such terms have in the
Loan Agreement.

 

2.             Section 1.1 of the Loan
Agreement is amended to delete the definitions of “Guarantor” and “Guaranty”
without substitution.

 

3.             The first three paragraphs in Section 2.3
of the Loan Agreement are deleted, and the following paragraphs are substituted
therefor:

 

                “2.3         Revolving Note. 
The Revolving Loan shall be evidenced by an amended and restated
revolving note, executed by the Borrower, dated December 1, 1998, payable
to the Lender on April 1, 1999, and in the principal sum of Two Million
Two Hundred Thousand and 00/100 ($2,200,000.00) Dollars (the “Revolving Note”).  The date and amount of each advance under the
Revolving Loan made by the Lender and of each repayment of principal thereon
received by the Lender shall be recorded by the Lender in its records.  The aggregate unpaid principal amount so
recorded by the Lender shall be rebuttable presumptive evidence as to the 

 

 

 

principal
amount outstanding thereunder, provided, however, that the
failure by the Lender so to record any such amount or any error in so recording
any such amount shall not limit or otherwise affect the obligations of the
Borrower under this Agreement or the Revolving Note to repay the principal
amount of the entire Revolving Loan together with all interest accrued or
accruing thereon.

 

                Interest on the Revolving Note
shall be payable at the times, in the manner, and at the applicable rates set
forth in the Revolving Note.  Interest on
the Revolving Note shall be calculated on the basis of a 360-day year for the
actual number of days the principal is outstanding.”

 

4.             Section 3.1 of the Loan
Agreement is deleted, and the following paragraphs are substituted therefor:

 

                “3.1         Term Loan.  The
Lender has made the Borrower a secured term loan in the principal amount of Two
Million Seven Hundred Thousand and no/100 ($2,700,000.00) Dollars (herein, the “Term
Loan”) previously evidenced by that certain Term Note dated January 17,
1997 in the principal sum of $2,700,000.00. 
On and after December 1, 1998, the Term Loan shall be evidenced by
an amended and restated term note dated December 1, 1998, executed by
Borrower, in the principal sum of One Million Nine Hundred Ninety Two Thousand
Eight Hundred Fifty Four and 00/100 ($1,992,854.00) Dollars (the “Term Note”),
payable to the order of the Lender in successive monthly installments of
principal in the sum of $32,143.00 each, commencing January 1,1999, and
payable on the first (1st) day of each month thereafter, followed by a final
balloon payment of the entire unpaid principal balance and accrued interest due
on April 1, 1999.

 

                Interest on the Term Note shall
be payable at the times, in the manner, and at the applicable rates set forth
in the Term Note.  Interest on the Term
Note shall be calculated on the basis of a 360-day year for the actual number
of days the principal is outstanding.”

 

5.             Section 3A of the Loan
Agreement is deleted, and the following paragraphs are substituted therefor:

 

                “SECTION 3A.  EQUIPMENT LOAN.

 

                3A.1        Equipment Loan. 
The Lender has made the Borrower a secured equipment loan in the
principal amount of up to One Million Five Hundred Thousand and no/100
($1,500,000.00) Dollars (herein, the “Equipment Loan”) previously evidenced by
that certain Equipment Note dated March 30, 1998 in the principal sum of
$1,500,000.00.  On and after December 1,
1998, the Equipment Loan shall be evidenced by an amended and restated
equipment note dated December 1, 1998, executed by Borrower, in the
principal sum of One Million Three Hundred Seventy Five Thousand and 02/100
($1,375,000.02) Dollars (the “Equipment Note”), payable to the order of the
Lender in successive monthly installments of 
principal in the sum of $17,857.14 each, commencing January 1,
1999, and payable on the first (1st) day of each month thereafter, followed by
a final payment of the entire unpaid principal balance and accrued interest due
on May 1, 2005.

 

 

 

                Interest on the Equipment Note
shall be payable at the times, in the manner, and at the applicable rates set
forth in the Equipment Note.  Interest on
the Equipment Note shall be calculated on the basis of a 360-day year for the
actual number of days the principal is outstanding.”

 

6.             Section 3B of the Loan
Agreement is deleted, and the following paragraphs are substituted therefor:

 

                “SECTION 3B.  EQUIPMENT LINE OF CREDIT

 

                3B.1        Equipment Line of Credit.  The Lender has extended to the Borrower a
secured equipment line of credit in the principal amount of up to Eight Hundred
Fifty Thousand and no/100 ($850,000.00) Dollars (herein, the “Equipment Line of
Credit”) previously evidenced by that certain Equipment Line Note dated March 30,
1998 in the principal sum of $850,000.00. 
Said line of credit has previously converted to a term loan in
accordance with the terms of said note. 
On and after December 1, 1998, the Equipment Line of Credit shall
be evidenced by an amended and restated equipment line note dated December 1,
1998, executed by Borrower, in the principal sum of Six Hundred Seventy Eight
Thousand Three Hundred Thirty Three and 29/100 ($678,333.29) Dollars (the “Equipment
Line Note”), payable to the order of the Lender in successive monthly
installments of principal in the sum of $8,809.53 each, commencing January 1,
1999, and payable on the first (1st) day of each month thereafter, followed by
a final payment of the entire unpaid principal balance and accrued interest due
on May 1, 2005.

 

                Interest on the Equipment Line
Note shall be payable at the times, in the manner, and at the applicable rates
set forth in the Equipment Line Note. 
Interest on the Equipment Line Note shall be calculated on the basis of
a 360-day year for the actual number of days the principal is outstanding.”

 

7.             Section 5 of the Loan
Agreement is hereby deleted without substitution.  All other references in the Loan Agreement to
the capitalized term “Guarantor” or “Guarantors” are hereby deleted, without
substitution.

 

 

 

compliance
with all of the terms and conditions of the Loan Agreement, as amended hereby,
and no Event of Default, or any other event which with the lapse of time, the
giving of notice or both would constitute such an Event of Default, has
occurred and is continuing.

 

13.           Except as specifically amended and
modified hereby, all of the terms and conditions of the Loan Agreement shall
stand and remain unchanged and in full force and effect.  This instrument shall be construed and
governed by and in accordance with the laws of the State of Illinois.

 

IN
WITNESS WHEREOF, the parties have entered into this Fourth Amendment to Loan
and Security Agreement as of the 4th day of January, 1999.

 

	
  BRAD
  FOOTE GEAR WORKS, INC.

  	
   

  	
  LASALLE
  NATIONAL BANK

  
	
  Borrower

  	
   

  	
  Lender

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  By:
  

  	
  /s/
  J. Cameron Drecoll

  	
   

  	
   

  	
  By:
  

  	
  /s/
  Raymond J. Feldman

  	
   

  
	
   

  	
  J.
  Cameron Drecoll

  	
   

  	
   

  	
  Raymond
  J. Feldman

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Title:
  

  	
  President

  	
   

  	
  Title:
  

  	
  Vice
  President

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Attest:

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:
  

  	
  /s/
  Joan M. Drecoll

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Joan
  M. Drecoll

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Title:
  

  	
  Secretary

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