Document:

2009 Participant Grant between Cliffs and Joseph A. Carrabba

 Exhibit 10(qqq) 
 CLIFFS NATURAL RESOURCES INC. 
 THE TERMS AND
CONDITIONS OF 
 THE 2009 PARTICIPANT GRANT 
 TO JOSEPH A. CARRABBA 
 UNDER THE 
 2007 INCENTIVE EQUITY PLAN 
 The Compensation and Organization Committee of the Board of Directors of Cliffs Natural Resources Inc. (the “Committee”) hereby establishes the Terms and Conditions of the 2009 Participant Grant
to Joseph A. Carrabba (“the Grant”) under the 2007 Incentive Equity Plan (“Plan”) as follows: 
 ARTICLE
1. 
 Definitions 
 All terms used herein with initial capital letters and defined in the Plan shall have the meanings assigned to them in the Plan and the following additional terms, when used herein with initial capital
letters, shall have the following meanings: 
 1.1 “Aggregate Value Added Objective” shall mean the Aggregate
Value Added Objective set forth in Part 1 of Exhibit A. 
 1.2 “Incentive Period” shall mean the period
beginning with the Date of the Grant and ending with December 31, 2013. 
 1.3 “Other Performance
Objectives” shall mean the factors set forth in Part 2 of Exhibit A and any other factors as may be used by the Committee in the exercise of its negative discretion under Part 2 of Exhibit A. 
 1.4 “Performance Objectives” shall mean the Aggregate Value Added Objective and the Other Performance Objectives.

 1.5 “Performance Shares Earned” shall mean the number of Performance Shares granted in the Award that are
determined by the Board after the conclusion of the Performance Period under Section 2.3 to have been earned by a Participant. as determined under Section 2.3. 
  

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 1.6 “Share Ownership Guidelines” shall mean the Cliffs Natural Resources
Inc. Directors’ and Officers’ Share Ownership Guidelines, as amended from time to time. 
 ARTICLE 2.

 Grant and Terms of Performance Shares 
 2.1 Grant of Performance Shares. Pursuant to the Plan, the Company, by action of the Committee, has granted to the Participant
the number of Performance Shares as specified in the Grant, without dividend equivalents, effective as of the Date of Grant. 
 2.2 Issuance of Performance Shares. The Performance Shares covered by the Grant and these Terms and Conditions shall result in the issuance of Shares (or cash, or a combination of Shares and cash, as decided by the Committee
in its sole discretion), if at all, only after the completion of the Incentive Period and only if and to the extent to which such Performance Shares are earned as provided in Section 2.3 of this Article 2. 
 2.3 Performance Shares Earned. No Performance Shares subject to the Grant shall be earned unless the Aggregate Value Added
Objective is achieved at some time during the Incentive Period. If the Aggregate Value Added Objective is achieved at some time during the Incentive Period, the number of Performance Shares Earned shall be 67,009 or such lesser number as the
Committee may determine in its discretion based upon the achievement of the Other Performance Objectives, as determined and certified by the Committee as of the end of the Incentive Period. 
 2.4 Performance Shares Not Earned. In the event that Performance Shares covered by the Grant do not become Performance Shares
Earned by reason of the exercise by the Committee of the discretion to reduce the amount that otherwise would be earned, based upon the level of satisfaction of the Other Performance Objectives, the Shares that do not become earned by reason of such
Committee action shall be governed by Section 3.3 of the Plan, but subject to the added prohibition and condition that such Shares shall not be used or

  

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taken into account in any manner that is inconsistent with “negative discretion” provisions of Treas. Reg. Section 1.162-27(e)(2)(iii). 
 2.5 Payment of Performance Shares. 
 (a) The payment of Performance Shares Earned shall be made in the form of Shares, cash, or a combination of Shares and
cash, as decided by the Committee in its sole discretion, and shall be paid after the determination by the Committee of whether the Aggregate Value Added Objective was attained during the Performance Period and the level of attainment of the Other
Performance Objectives (with the financial calculations associated with such determinations previously reviewed by an independent accounting professional), but in any event no later than 2 1/2 months following after the end of the Incentive Period. In the
event that all or any portion of the Performance Shares Earned shall be paid in cash, the cash equivalent of one Performance Share Earned shall be equal to the average closing price of one share of common stock of the Company on the last Trading Day
(as defined in Exhibit A) of the calendar year in which the Performance Period ends. The Committee may withhold Shares to the extent necessary to satisfy federal, state, local or foreign income tax withholding requirements, as described in
Section 4.2. In addition, the Committee may restrict 50% of the Shares to be issued in satisfaction of the total Performance Shares Earned, before income tax withholding, so that they cannot be sold by Participant unless immediately after such
sale the Participant is in compliance with the Share Ownership Guidelines that are applicable to the Participant at the time of sale. 
 (b) Any payment of Performance Shares Earned to a deceased Participant shall be paid to the beneficiary designated by the Participant on the Designation of Death Beneficiary attached as Exhibit B and
filed with the Company. If no such beneficiary has been designated or survives the Participant, payment shall be made to the estate of a Participant. A beneficiary designation may be changed or revoked by a Participant at any time, provided the
change or revocation is filed with the Company. 
  

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 (c) Prior to payment, the Company shall only have an unfunded and unsecured obligation to
make payment of Performance Shares Earned to the Participant. The Performance Shares covered by the Grant and these Terms and Conditions that have not yet been earned as Performance Shares Earned, and any interests of the Participant with respect
thereto, are not transferable other than by completion of the Designation of Death Beneficiary attached as Exhibit B or pursuant to the laws of descent and distribution. 
 2.6 Death, Disability, or Termination without Cause. 
 (a) With
respect to Performance Shares granted to a Participant whose employment is terminated because of the Participant’s death or Disability, or who is terminated by the Company without Cause, the Participant (or his beneficiary in the case of his
death) shall receive at the time specified in Section 2.5(a) as Performance Shares Earned the number of Performance Shares as is determined after the end of the Incentive Period under Section 2.3 , prorated based upon (x) the number
of full months between December 31, 2009 and the date the Participant ceased to be employed by the Company, divided by the forty-eight (48) months in the Incentive Period. 
 (b) In the event a Participant voluntarily terminates employment prior to December 31, 2013 or is terminated by the Company with Cause
prior to the date of payment of Performance Shares Earned, the Participant shall forfeit all right to any Performance Shares that would have been earned under the Grant and these Terms and Conditions. 
 ARTICLE 3. 
 Other Terms Common to Performance Shares 
 3.1 Forfeiture. 
 (a) A Participant shall not render services for any organization or engage directly or indirectly in any business which is a competitor of
the Company or any affiliate of the Company, or which organization or business is or plans to become prejudicial to or in conflict with the business interests of the Company or any affiliate of the Company. 
  

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 (b) Failure to comply with subsection (a) above will cause a Participant to forfeit the
right to Performance Shares and require the Participant to reimburse the Company for the taxable income received or deferred on Performance Shares that become payable to the Participant that have been paid out in Shares within the 90-day period
preceding the Participant’s termination of employment. 
 (c) Failure of the Participant to repay to the Company the amount
to be reimbursed in subsection (b) above within three days of termination of employment will result in the offset of said amount from the Participant’s account balance in the Company’s Voluntary Non-Qualified Deferred Compensation
Plan, if applicable (at the time that the amounts owed under the Voluntary Non-Qualified Deferred Compensation Plan are scheduled for payment), and/or from any accrued salary or vacation pay owed at the date of termination of employment or from
future earnings payable by the Participant’s next employer. If applicable, such offset shall be deemed to constitute the payment due to him under the Voluntary Non-Qualified Deferred Compensation Plan in accordance with the time and form of
payment specified under the Voluntary Non-Qualified Deferred Compensation Plan and the immediate repayment to the Company of the amounts owed under these Terms and Conditions. 
 3.2 Change in Control. In the event a Change in Control (as defined in the Plan) occurs, all Performance Shares granted to a
Participant for Incentive Periods which have not ended before the Change in Control shall, notwithstanding any preceding provisions of these Terms and Conditions to the contrary, immediately become Performance Shares Earned on a one-to-one basis
regardless of the Performance Objectives. All Performance Shares, if any, granted to a Participant for an Incentive Period which ended before the Change in Control, and which have not been paid in accordance with Section 2.5, will be deemed to
be Performance Shares Earned to the extent and only to the extent that they became Performance Shares Earned as of the end of the Incentive Period based upon the Performance Objectives for the Incentive Period. Notwithstanding any preceding
provisions of these Terms and Conditions to

  

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the contrary, the value of all Performance Shares Earned, including ones for Incentive Periods which have already ended: (a) shall be paid in cash based on the Fair Market Value of the
Shares determined on the date the Change in Control occurs; and (b) all such payments with respect to Performance Shares shall be made within 10 days of the Change in Control. 
 ARTICLE 4. 
 General Provisions

 4.1 Compliance with Law. The Company shall make reasonable efforts to comply with all applicable federal and
state securities laws; provided, however, notwithstanding any other provision of the Grant and these Terms and Conditions, the Company shall not be obligated to issue any Shares pursuant to the Grant and these Terms and Conditions if
the issuance or payment thereof would result in a violation of any such law; provided, however, that the Shares will be issued at the earliest date at which the Company reasonably anticipates that the issuance of the Shares will not
cause such violation. 
 4.2 Withholding Taxes. To the extent that the Company is required to withhold federal,
state, local or foreign taxes in connection with any payment of Performance Shares Earned to the Participant , the Company shall withhold the minimum amount of taxes which it determines it is required by law or required by the terms of the Plan to
withhold in connection with any recognition of income incident to this Plan payable in cash or Shares to the Participant or the Participant’s beneficiary. In the event of a taxable event occurring with regard to Shares on or after the date that
the Shares become nonforfeitable, the Company shall reduce the Shares owed to the Participant or beneficiary by the fewest number of such Shares owed to the Participant or beneficiary such that the Fair Market Value of such Shares shall equal (or
exceed by not more than the Fair Market Value of a single Share) the Participant’s or other person’s “Minimum Withholding Tax Liability” resulting from such recognition of income. The Company shall pay cash equal to such Fair
Market Value to the appropriate taxing authority for purposes of satisfying such withholding responsibility. If a distribution or other event does not result in

  

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any withholding tax liability as a result of the Participant’s election to be taxed at an earlier date or for any other reason, the Company shall not reduce the Shares owed to the
Participant or beneficiary. For purposes of this paragraph, a person’s “Minimum Withholding Tax Liability” is the product of: (a) the aggregate minimum applicable federal and applicable state and local income withholding tax
rates on the date of a recognition of income incident to the Plan; and (b) the Fair Market Value of the Shares recognized as income to the Participant or other person determined as of the date of recognition of income, or other taxable amount
under applicable statutes.  
 4.3 Continuous Employment. For purposes of the Grant and these Terms and
Conditions, the employment of the Participant with the Company shall not be deemed to have ceased, and the Participant shall not be deemed to have ceased to be an employee of the Company, by reason of the transfer of his employment among the Company
and its Subsidiaries or an approved leave of absence. 
 4.4 Relation to Other Benefits. Any economic or other
benefit to the Participant under the Grant and these Terms and Conditions or the Plan shall not be taken into account in determining any benefits to which the Participant may be entitled under any profit-sharing, retirement or other benefit or
compensation plan maintained by the Company or a Subsidiary and shall not affect the amount of any life insurance coverage available to any beneficiary under any life insurance plan covering employees of the Company or a Subsidiary. 
 4.5 These Terms and Conditions Subject to Plan. The Performance Shares granted under the Grant and these Terms and Conditions
and all of the terms and conditions hereof are subject to all of the terms and conditions of the Plan, a copy of which is available upon request. 
 4.6 Amendments. The Plan, the Grant and these Terms and Conditions can be amended at any time by the Company. Any amendment to the Plan shall be deemed to be an amendment to the Grant and
these Terms and Conditions to the extent that the amendment is

  

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applicable hereto. Except for amendments necessary to bring the Plan, the Grant and these Terms and Conditions into compliance with current law including Internal Revenue Code Section 409A,
no amendment to either the Plan, the Grant or these Terms and Conditions shall adversely affect the rights of the Participant under the Grant and the Grant and these Terms and Conditions without the Participant’s consent. 
 4.7 Severability. In the event that one or more of the provisions of the Grant and these Terms and Conditions shall be
invalidated for any reason by a court of competent jurisdiction, any provision so invalidated shall be deemed to be separable from the other provisions hereof, and the remaining provisions hereof shall continue to be valid and fully enforceable.

 4.8 Governing Law. The Grant and these Terms and Conditions shall be construed and governed in accordance with
the laws of the State of Ohio. 
 These written Terms and Conditions are hereby adopted this 16th day of February, 2010, in accordance with the terms and conditions
of the Grant on the 17th day of December, 2009 by the members of the Compensation and Organization Committee of the Board of Directors of Cliffs Natural Resources Inc. 
  

	
	 /s/ Francis R. McAllister

	Francis R. McAllister
	
	 /s/ James D. Ireland III

	James D. Ireland III
	
	 /s/ Roger Phillips

	Roger Phillips
	
	 /s/ Ronald C. Cambre

	Ronald C. Cambre
	
	 /s/ Barry J. Eldridge

	Barry J. Eldridge

  

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 EXHIBITS 
  

			
	Exhibit A	  	Performance Objectives
	Exhibit B	  	Beneficiary Designation

  

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 Exhibit A 
 PERFOMANCE OBJECTIVES 
 Part 1- Aggregate Value Added Objective.

 The Aggregate Value Added Objective is achieved if and only if, at any time during the Incentive Period, the
Company’s Aggregate Value (as defined below) is at least One Hundred Fifty Percent (150%) of the Starting Aggregate Value (as defined below). For purposes of the preceding sentence, the following definitions shall apply: 
 (a) “Aggregate Value” as of a given day shall mean the Company’s average closing market share price per common share,
multiplied by the average number of outstanding shares of common stock, during a period of Sixty (60) consecutive Trading Days. 
 (b) “Trading Day” means any day on which Shares may be traded and a Fair Market Value of a Share may be determined. 
 (c) “Starting Aggregate Value” shall mean the average (i.e., mean) Aggregate Value for the last Sixty (60) Trading Days of the 2009 calendar year. 
 Part 2- Negative Discretion as to Other Performance Objectives. 
 Assuming
the Aggregate Value Added Objective is satisfied during the Performance Period, the number of Performance Shares Earned will be 67,009 or such lesser number determined by the Committee based on the Participant’s achievement of certain
performance factors evaluated in the Committee’s discretion. Specifically: 
  

	•	 	 aggregate value of the Company relative to its peers; 

  

	•	 	 increase in the Company’s equity trading multiples; 

  

	•	 	 degree of diversification of the Company into minerals other than iron ore and metallurgical coal; and 

  

	•	 	 other factors to be determined by the Committee, including (without limitation) timing of results relative to goals, sustainability of market values,
and quality of new commodities and operations. 

 Based upon the performance relative to these factors, and other factors that
the Committee in its discretion may consider, the Committee may exercise negative discretion to reduce the number of the Performance Shares Earned. 
  

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 Exhibit B 
 BENEFICIARY DESIGNATION 
 In accordance with the terms
and conditions of the Cleveland-Cliffs Inc 2007 Incentive Equity Plan (“Plan”), my 2009 Participant Grant (“Grant”) and the 2009 Terms and Conditions (“Terms and Conditions”), I hereby designate the person(s) indicated
below as my beneficiary(ies) to receive any payments under the Plan, Grant and Terms and Conditions after my death. 
  

											
		 	Name	 	  
	 		 	
		 	Address	 	  
	 		 	
		 		 	  
	 		 	
		 		 	  
	 		 	
				
		 	Social Sec. Nos. of Beneficiary(ies)	 	  
	 	
		 	Relationship(s)	 	  
	 	
		 	Date(s) of Birth	 	  
	 	

 In the event that the above-named beneficiary(ies) predecease(s) me, I hereby designate the following
person(s) as beneficiary(ies): 
  

											
		 	Name	 	  
	 		 	
		 	Address	 	  
	 		 	
		 		 	  
	 		 	
		 		 	  
	 		 	
				
		 	Social Sec. Nos. of Beneficiary(ies)	 	  
	 	
		 	Relationship(s)	 	  
	 	
		 	Date(s) of Birth	 	  
	 	

 I hereby expressly revoke all prior designations of beneficiary(ies), reserve the right to change the
beneficiary(ies) herein designated and agree that the rights of said beneficiary(ies) shall be subject to the terms of the Plan, Grant and these Terms and Conditions. In the event that there is no beneficiary living at the time of my death, I
understand that the payments under the Plan, Grant and these Terms and Conditions will be paid to my estate. 
  

									
		 	  
	 		 		 	  

		 	Date	 		 		 	(Signature)
		 		 		 		 	  

		 		 		 		 	(Print or type name)

  

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 CLIFFS NATURAL RESOURCES INC. 
 2009 PARTICIPANT GRANT 
 UNDER THE 
 2007 INCENTIVE EQUITY PLAN 
 Effective December 17, 2009 (“Date of Grant”), the Compensation and Organization Committee (“Committee”) of the Board of Directors of Cliffs Natural Resources Inc.
(“Company”) hereby grants to Joseph A. Carrabba (“Participant”), an employee of the Company or of a Subsidiary of the Company, an Award of Sixty-Seven Thousand Nine (67,009) Performance Shares covering the incentive period
commencing December 31, 2009 and ending December 31, 2013 (“Incentive Period”) under the Cleveland-Cliffs, Inc. 2007 Incentive Equity Plan (“the Plan”). The number of Performance Shares granted was limited, in
accordance with Section 3.2(c) of the Plan, so that the number of shares times the closing price of one share of the Company’s common stock on the Date of Grant does not exceed and approximately equals $3,000,000 (sometimes referred to as
“the Maximum Limitation”). The Award is intended to create a financial incentive for the attainment of a performance target and to allow for the exercise of negative discretion by the Committee after December 31, 2013, such that the
value of the Shares Earned may equal $2,000,000 (sometimes referred to as the “target payout amount”), or such other amount, determined by the Committee in its discretion, that appropriately reflects in the Committee’s judgment the
Participant’s achievement of financial metrics and other factors. Notwithstanding the foregoing, in no event may Performance Shares Earned be greater than 67,009 shares. 
 This Award shall be subject to the terms and conditions of the 2009 Participant Grant to the Participant under the 2007 Incentive Equity
Plan, approved by the Committee at its December 17, 2009 meeting (“the Terms and Conditions”) provided to the Participant as attached hereto. 
  

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	CLIFFS NATURAL RESOURCES INC.
	(“Company”)
	
	 /s/ William A. Brake

	William A. Brake
	EVP, Human & Technical Resources

 The undersigned Participant hereby acknowledges receipt of the attached Terms and Conditions, hereby declares that he has read the Terms and Conditions, agrees to the Terms and Conditions, and accepts the Award of Performance Shares.

  

			
	 /s/ Joseph A. Carrabba

	Participant
		
	Print Name:	 	 Joseph A. Carrabba

 *Return one executed copy of the 2009 Participant Grant to the Company indicating receipt and acceptance of the 2009 Participant Grant and the Terms and Conditions of the 2009 Participant Grant under
the 2007 Incentive Equity Plan. * 
  

 13Agency Sales Agreement dated April 16, 2009

 Exhibit 10.1 
 AGENCY SALES AGREEMENT 
 AGREEMENT made by and between
INTERSTATE MOTOR CLUB INC. (“IMC”), a Georgia Corporation, with offices at 116 South Broad Street, Suite C, Bainbridge, Georgia 39817, and The Money Tree of Georgia Inc, a Georgia corporation, The Money Tree of Florida Inc., a Georgia
corporation, The Money Tree of Louisiana, Inc., a Louisiana corporation, and Small Loans, Inc., a Georgia corporation (collectively “Agents”), and all with offices at 114 South Broad Street, Bainbridge, Georgia 39817. 
 WHEREAS, IMC is in the business of issuing motor club memberships; and 
 WHEREAS, Agents are in the business of making small consumer loans and desires to market motor club memberships to their customers; and

 WHEREAS, an agreement between IMC and Agents would be to their mutual benefit. 
 NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, and other good and valuable consideration, the
sufficiency of which is hereby acknowledged, IMC and Agents agree to the following terms and conditions. 
  

	1.	Creation of Agency 

 Subject to the terms of this Agreement, IMC appoints Agents as its exclusive sales agent in the states of Georgia, Florida, Louisiana and Alabama to solicit on behalf of IMC customers for IMC memberships. Agents accept said appointment.

  

	2.	Agents’ Duties 

 Agents agree during the term of this Agreement to (a) solicit and sell memberships on behalf of IMC; (b) use only those applications, membership certificates, advertising materials, forms and business solicitation materials
approved by IMC; (c) after receiving a signed application and membership fee along with any other required documentation, Agents may bind IMC to the buying member for the benefits in the membership certificate; (d) comply with all state
and federal laws pertaining to the sale of a motor or auto club membership; (e) to comply with the sales policies of IMC as sometimes set forth by IMC; (f) to not compete in the territory during the period of time hereof by selling or
offering memberships in any other auto or motor club; (g) to keep the terms of this agreement, all forms and supplies, and information made available to agents strictly confidential; (h) to keep safe and account for all monies coming into
Agents’ hands belonging to IMC; (i) to extend no credit on behalf of or in the name of IMC; (j) to make no promises or contracts in the name of IMC concerning the payment of any benefits to any member; (k) to submit all
applications for membership to IMC within 30 days of receipt by Agents; (l) to not sign up any person for IMC membership who cannot read and write, however, IMC will accept such membership if it is countersigned by a friend or relative of the
customer and notated by their signature, a date and social security number; further, IMC will reject any and all (X) signatures unless they are properly countersigned which verifies that a second party was present during the sale; (m) sell
memberships only to customers who own or operate vehicles for transportation; (n) fully refund all membership dues for any ineligible membership sale; and (o) to protect the business reputation of IMC. 
  

	3.	IMC Duties 

 IMC agrees
during the term of this Agreement to (a) provide all benefits of IMC and to pay all legal and proper requests for benefits to members within a reasonable time at its expense;

 
(b) to hold Agents harmless and to indemnify Agents for all such requests for membership benefits; further, after a club membership is sold, no Agents shall have any responsibility regarding that
membership and the Agents shall perform no services nor process any request for benefits regarding said membership and the Agents’ duties cease upon the sale of a membership in which all paperwork is properly executed and if the Agents are
contacted by a member regarding benefits or otherwise the Agents will instruct the member to contact IMC due to the fact that IMC is solely responsible for processing requests for benefits and performing all other duties concerning memberships;
(c) to pay for any licensing of Agents’ employees necessary to sell memberships; and (d) to take full responsibility for the payment of any claims. 
  

	4.	Commissions 

 Agents agree to pay to IMC the entire amount of the membership fees collected by Agents less an 80% commission to be retained by Agents. This amount will be paid monthly by the 20th day of the month following the Agents’ fiscal month in which it is collected. The Agents agree to
remit membership certificates based on a month end close out of the 25th of each month. The Agents agree to remit the membership certificates by the 10th of each month. 
  

	5.	Relationship of Parties 

 Nothing herein shall be construed as creating an employment of Agents or Agents’ employees by IMC or creating a partnership between Agents and IMC. Agents are at all times and shall remain independent contractors. 
  

	6.	Terms 

 This Agreement
shall remain in full force and effect until terminated by either party upon written notice. 
  

	7.	Severability 

 No
provision of this Agreement which may be deemed illegal, invalid or unenforceable will in any way invalidate any other provision of this Agreement, all of which will remain in full force and effect. 
  

	8.	Entire Agreement 

 This
Agreement supersedes and replaces all prior and contemporaneous agreements, understandings and/or representations, whether oral or written, between the parties and relating to the subject matter herein and constitutes the entire agreement between
the parties. This Agreement may not be modified, changed, altered or amended except by an express written agreement signed by duly authorized representatives of the parties hereto. 
  

	9.	Controlling Law 

 This
Agreement including all matters relating to the validity, construction, performance and enforcement thereof is governed by the laws of the State of Georgia. 
  

	10.	Notices 

 Notices to be
given pursuant to this Agreement will be in writing and will be deemed to have been duly and property given on the date such notice is delivered to the other party at the address listed above. 

	11.	Arbitration 

 IMC and
Agents understand and agree that any and all disputes, claims, or controversies of any kind and nature between the parties arising out of or relating to the relationship between the parties will be resolved through mandatory, binding arbitration.
The party seeking arbitration shall select one of the following arbitration administrators: National Arbitration Forum or National Arbitration and Mediation. Except as modified hereby, the arbitration shall be conducted according to the rules and
procedures of the selected Administrator. The parties understand that each is waiving their right to have disputes resolved in a court by a judge or jury. 
 WITNESS OUR HANDS THIS 16TH DAY OF APRIL, 2009. 
  

			
	IMC:	  	AGENTS:
		
	Interstate Motor Club Inc.	  	The Money Tree of Georgia Inc.
		
	 /s/ Debby Inlow
	  	 /s/ Brad Bellville

	Debby Inlow, President	  	Brad Bellville, President
		
		  	The Money Tree of Florida Inc.
		
		  	 /s/ Brad Bellville

		  	Brad Bellville, President
		
		  	The Money Tree of Louisiana, Inc.
		
		  	 /s/ Brad Bellville

		  	Brad Bellville, President
		
		  	Small Loans, Inc.
		
		  	 /s/ Brad Bellville

		  	Brad Bellville, President

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