Document:

ex10-8.htm

Exhibit 10.8

 

	
BUILD-A-BEAR WORKSHOP, INC.
	
Grant Date:
	
 March 7, 2016

	RESTRICTED STOCK 	
Employee:
	  
	AWARD AGREEMENT	
Maximum Number of Shares of Performance-Based Restricted Stock:
	
 

 

	  	  	  
	  	  	  
	  	  	  

 

 

This Agreement will certify that the employee named above (“Employee”) is awarded the total number of restricted shares of common stock, $0.01 par value per share (the “Common Stock”), of Build-A-Bear Workshop, Inc. (the “Company”) designated above (the “Performance-Based Restricted Stock”), pursuant to the Build-A-Bear Workshop, Inc. 2004 Stock Incentive Plan, as amended through the date hereof (the “Plan”), as of the date indicated above (the “Grant Date”) and subject to the terms, conditions and restrictions in the Plan and those set forth below. Any capitalized, but undefined, term used in this Agreement shall have the meaning ascribed to it in the Plan. Employee’s electronic acceptance within 60 days on his/her personal Merrill Lynch account constitutes Employee’s acceptance of this award and acknowledgement of Employee’s agreement to all the terms, conditions and restrictions contained in the Plan and this Agreement. If the Employee does not accept this award on his/her personal Merrill Lynch account within 60 days of the Grant Date, the Employer may revoke this grant.

 

 

	
BUILD-A-BEAR WORKSHOP, INC.

	  	  	 
	  	  	 
	  	  	 
	
By:
	
/s/ Sharon Price John
	 
	  	
Sharon Price John
	 
	  	
Chief Executive Officer
	 

 

 

Terms and Conditions

 

1.     Terms of Performance-Based Restricted Stock Award. Pursuant to action of the Compensation and Development Committee (the “Committee”), the Company awards to the Employee the number of shares of Performance-Based Restricted Stock set forth above. The Performance-Based Restricted Stock is nontransferable by the Employee during the period described below and is subject to the risk of forfeiture as described below. Prior to the time shares become transferable, the shares of Performance-Based Restricted Stock shall bear a legend indicating their nontransferability, and, subject to the terms of this Agreement, if the Employee terminates service as an Employee of the Company prior to the time a restriction lapses, the Employee shall forfeit any shares of Performance-Based Restricted Stock which are still subject to the restrictions at the time of termination of such service.

 

The restrictions on transfer described in this Section 1 applicable to the Performance-Based Restricted Stock awarded above shall lapse and be of no further force and effect as follows, if (1) the performance criteria applicable to the Performance-Based Restricted Stock as established by the Committee and included in Exhibit A hereto (the “Performance Criteria”) has been satisfied, and (2) the Employee is still an employee of the Company on the date set forth below, and has been continuously serving as such an employee of the Company from the Grant Date to such date:

 

 

	
Date
	  	
Percent of Grant for 

which Restrictions 

Lapse on Indicated 

Date

	
Grant Date
	  	
0

	
March 31, 2019:
	  	
100%

	  	  	  

 

 

 

 

 

For avoidance of doubt, on the date ending March 31, 2019, one hundred percent (100%) of the Performance-Based Restricted Stock shall be transferable by the Employee if (1) the Performance Criteria included in Exhibit A hereto has been satisfied, and (2) the Employee is still an Employee, and has been continuously serving from the Grant Date through March 31, 2019 as an employee of the Company on such date. 

 

Notwithstanding the foregoing, in the event of a Change of Control that occurs prior to the end of fiscal 2018, fifty percent (50%) of the Maximum Number of Shares of Performance-Based Restricted Stock (as set forth on page 1) shall become immediately free of the restrictions of this Section 1. If a Change of Control occurs at any time after the end of fiscal 2018, one hundred percent (100%) of the shares earned based on the Performance Criteria (as set forth in Exhibit A) not yet free of the restrictions of this Section 1. shall become immediately free of such restrictions.

 

2.      Death or Disability of the Employee. 

 

In the event of (i) the death of the Employee, or (ii) the Company terminates the Employee’s employment due to a permanent and total disability which results in the Employee’s inability to return to work, in either case prior to the end of fiscal 2018, fifty percent (50%) of Maximum Number of Shares of Performance-Based Restricted Stock (as set forth on page 1) shall become immediately free of the restrictions of Section 1. 

 

In the event of (i) the death of the Employee, or (ii) the Company terminates the Employee’s employment due to a permanent and total disability which results in the Employee’s inability to return to work, in either case subsequent to the end of fiscal 2018 one hundred percent (100%) of the shares earned shall become immediately free of such restrictions.

 

3.     Cost of Restricted Stock. The purchase price of the shares of Restricted Stock shall be $0.00.

 

4.     Rights as Stockholder. The Employee shall be entitled to all of the rights of a stockholder, including the right to vote such shares and to receive dividends and other distributions payable with respect to such shares only upon satisfaction of the Performance Criteria. 

 

5.     Escrow of Share Certificates. Certificates for the Restricted Stock shall be issued in the Employee’s name and shall be held in escrow by the Company until all restrictions lapse or such shares are forfeited as provide herein. A certificate or certificates representing the Restricted Stock as to which restrictions have lapsed shall be delivered to the Employee upon such lapse. 

 

6.     Government Regulations. Notwithstanding anything contained herein to the contrary, the Company’s obligation to issue or deliver certificates evidencing the Restricted Stock shall be subject to all applicable laws, rules and regulations and to such approvals by any governmental agencies or national securities exchanges as may be required. 

 

7.     Withholding Taxes. The Company shall have the right to require the Employee to remit to the Company, or to withhold from other amounts payable to the Employee, as compensation or otherwise, an amount sufficient to satisfy all federal, state and local withholding tax requirements. 

 

8.     Adjustments Upon Changes in Capitalization or Corporate Acquisitions. Notwithstanding any other provision in the Agreement, if there is any change in the Common Stock by reason of stock dividends, spin-offs, split ups, recapitalizations, mergers, consolidations, reorganizations, combinations or exchanges of shares, the number of shares of Common Stock under this award of Performance-Based Restricted Stock not yet vested, and the price thereof, as applicable, shall be appropriately adjusted by the Committee.

 

 

2 

 

 

9.   Accounting Restatement. In the event the Company is required to prepare an accounting restatement of its financial statements due to the Company's material noncompliance with any financial reporting requirement under the securities laws, the Committee shall require reimbursement or forfeiture of shares of Performance-Based Restricted Stock which have been earned and/or which have vested pursuant to this Agreement during the three completed fiscal years immediately preceding the date on which the Company is required to prepare an accounting restatement and any transition period within such time period. The amount to be recovered will be the excess of the number of shares of Performance-Based Restricted Stock earned and/or vested based on the erroneous data over the shares of Performance-Based Restricted Stock that would have been earned and vested had it been based on the restated results, as determined by the Committee.  The Committee will determine, in its sole discretion, the method for recouping the Performance-Based Restricted Stock hereunder which may include, without limitation: (i) seeking recovery of any gain realized on the vesting, sale, transfer or other disposition of shares of the Performance-Based Restricted Stock; (ii) offsetting the recouped amount from any compensation otherwise owed by the Company to the Employee; (iii) cancelling outstanding vested or unvested share of the Performance-Based Restricted Stock; or (iv) taking any other remedial and recovery action permitted by law, as determined by the Committee. Notwithstanding the foregoing, the Company shall recoup or recover any erroneously issued Performance-Based Restricted Stock in accordance with any incentive compensation recoupment or recovery policy adopted in the future by the Company pursuant to Rule 10D-1 of the Securities Exchange Act of 1934, as amended, and applicable rules and regulations of the New York Stock Exchange, or any national securities exchange on which the Company’s Common Stock is then-listed. In the event of any conflict between the provisions of this Section A.8 and such a policy, the terms of the policy shall govern the recoupment or recovery of the Performance-Based Restricted Stock.

 

10.     No Right to Continued Service. Nothing in this Agreement shall be deemed to create any limitation or restriction on such rights as the Company otherwise would have to terminate the service of the Employee.

 

11.     Committee Administration. This award has been made pursuant to a determination made by the Committee, and the Committee or any successor or substitute committee authorized by the Board of Directors or the Board of Directors itself, subject to the express terms of this Agreement, shall have plenary authority to interpret any provision of this Agreement and to make any determinations necessary or advisable for the administration of this Agreement and may waive or amend any provisions hereof in any manner not adversely affecting the rights granted to the Employee by the express terms hereof. 

 

12.     Grant Subject to Plan. This Performance-Based Restricted Stock award is granted under and is expressly subject to all the terms and provisions of the Plan, and the terms of the Plan are incorporated herein by reference. The Employee hereby acknowledges receipt of a copy of the Plan and agrees to be bound by all the terms and provisions thereof. The Committee has been appointed by the Board of Directors and designated by it, as the Committee to make grants of Restricted Stock.

 

13.     Governing Law. This Agreement shall be construed under the laws of the State of Delaware.

 

 

3 

 

 

Exhibit A

 

Performance Criteria Applicable to Performance-Based Restricted Stock

 

 

Cumulative Company Consolidated Total Revenues for fiscal 2016, 2017 and 2018:

 

	

Achievement Level
	 	

Cumulative Consolidated 

Total Revenues for Fiscal 2016, 

2017 and 2018
	 	 	
Percentage of Maximum Number 

of Performance-Based Restricted 

Stock which Shall be Earned
	 
	
Below Threshold
	 	$	 Less than 1,225,000,000	 	 	 	0	%
	
Threshold
	 	$	1,225,000,000	 	 	 	25	%
	
Target
	 	$	1,250,000,000	 	 	 	50	%
	
Maximum
	 	$	1,300,000,000	 	 	 	100	%

 

 

“Consolidated Total Revenues” means the sum of the Total Revenues reported on the Company’s consolidated statements of operations for the 2016, 2017 and 2018 Fiscal Years.

 

The calculation of percentage of shares will be interpolated to reflect Consolidated Total Revenues results which fall within any of the defined Achievement Levels, and shall be rounded to the nearest full share. 

 

 

4Exhibit 10.14

 

AMENDED AND RESTATED

OCEAN CITY HOME BANK

DIRECTOR AND EXECUTIVE LIFE INSURANCE
PLAN

 

INTRODUCTION

 

Ocean City Home Bank (the “Bank”)
wishes to attract and retain highly qualified officers and directors. To further this objective, the Bank is willing to divide
the death proceeds of certain life insurance policies which are owned by the Bank on the lives of the participating officers and
directors with their designated beneficiaries.

 

Article 1

Definitions

 

Whenever used in this Plan, the following
terms shall have the meanings specified:

 

“Average Annual Bonus” means
the average of the cash bonuses received by a Participant in each of the three completed calendar years preceding the first to
occur of the Participant’s death or termination of employment with the Bank.

 

“Base Annual Salary”
means the rate of base annual salary of the Participant at the earliest of (1) the date of the Participant’s death; (2) the
date of the Participant’s Disability; (3) the date the Participant’s employment with the Bank terminates within two
years after a Change in Control (except for Termination for Cause); (4) the date of the Participant’s termination of employment
on or after attaining Early Retirement Age; or (5) the Participant’s Normal Retirement Date.

 

“Change in Control” means
any of the following:

 

		(i)	there occurs a “change in control” of the
Bank, as defined or determined either by the Bank’s primary banking regulator or under regulations promulgated by it.

 

		(ii)	as a result of, or in connection with, any merger or
other business combination, sale of assets or contested election, wherein the persons who were Directors of the Bank before such
transaction or event cease to constitute a majority of the Board of Directors of the Bank or any successor to the Bank.

 

		(iii)	the Bank transfers substantially all of its assets
to another corporation or entity which is not an affiliate of the Bank.

 

		(iv)	the Bank is merged or consolidated with another corporation
or entity and, as a result of such merger or consolidation, less than 60% of the equity interest in the surviving or resulting
corporation is owned by the former shareholders or depositors of the Bank.

 

“Director” means a non-employee
member of the Board of Directors of the Bank.

 

    	 		 

     

    

  

“Disability” means the
Participant’s suffering a sickness, accident or injury which has been determined by the carrier of any individual or group
disability insurance policy covering the Participant, or by the Social Security Administration, to be a disability rendering the
Participant totally and permanently disabled. The Participant must submit proof to the Bank of the carrier’s or Social Security
Administration’s determination upon the request of the Bank.

 

“Early Retirement Age”
means the Participant has attained an age such that the sum of the Participant’s age and Years of Service (rounded up to
the next full year) at termination totals at least 60.

 

“Insured” means the individual
whose life is insured.

 

“Insurer” means the insurance
company issuing the life insurance policy on the life of the Insured.

 

“Normal Retirement Age” means
the Participant attaining age 60.

 

“Normal Retirement Date”
means the later of the Normal Retirement Age or the date that the Participant terminates or is terminated for any reason other
than Termination for Cause.

 

“Participant” means an
officer of the Bank or a Director who is designated as a Participant in Appendix A to the Plan and elects in writing to participate
in the Plan using the form attached hereto as Appendix B, and by signing a split dollar endorsement for the Policy under which
he or she is the Insured. A Participant who is an officer shall be identified as a Tier 1 or Tier 2 Participant at the time of
designation.

 

“Policy” or “Policies”
means the individual insurance policy or policies acquired by the Bank for purposes of insuring a Participant’s life under
this Plan.

 

“Plan” means this Ocean
City Home Bank Director and Executive Life Insurance Plan.

 

“Terminated for Cause”
or “Termination for Cause” shall mean termination because of personal dishonesty, incompetence, willful misconduct,
breach of fiduciary duty involving personal profit, intentional failure to perform stated duties, willful violation of any law,
rule or regulation (other than traffic violations or similar infractions) or a final cease-and-desist order.

 

“Years of Service” means
the total number of twelve-month periods during which the Participant serves as an employee of the Bank.

 

Article 2

Participation

 

2.1Participation. A Participant may commence
participation in this Plan by executing an Election to Participate and a split dollar endorsement for each Policy. The split dollar
endorsement shall bind the Participant and his or her beneficiaries, assigns and transferees, to the terms and conditions of this
Plan.

 

    	 	2	 

     

    

  

2.2Termination
of Participation. In the case of a Participant who is an officer of the Bank, a Participant’s rights under this
Plan shall cease and his or her participation in this Plan shall terminate if any of the following events occur:

 

		(a)	If the Participant is Terminated for Cause;

 

		(b)	If the Participant’s employment is terminated
prior to his Early Retirement Age for reasons other than Disability or following a Change in Control; or

 

		(c)	If the Participant terminates employment due to Disability
and thereafter becomes gainfully employed with an entity other than the Bank.

 

In
the case of a Participant who is a Director, participation shall terminate only upon Termination for Cause.

 

In the event that the Bank decides to maintain
the Policy after the Participant’s termination of participation in the Plan, the Bank shall be the direct beneficiary of
the entire death proceeds of the Policy.

 

2.3Maintaining the Policy and Endorsement until
Death. If any of the events listed below occur, the Bank shall maintain the Policy in full force and effect and, in no
event shall the Bank amend, terminate or otherwise abrogate the Participant’s interest in the Policy, unless the Participant
agrees pursuant to Section 8.1. The Bank may replace the Policy with a comparable insurance policy to cover the benefit provided
under this Agreement if the Bank and Participant execute a new split dollar policy endorsement for a comparable benefit.

 

		(a)	Disability. If the Participant’s employment
is terminated due to Disability, except as set forth in section 2.2(c) herein.

 

		(b)	Retirement. If the Participant’s employment
is terminated on or after Normal or Early Retirement Age (except for Termination for Cause).

 

		(c)	Change in Control. If the Participant’s
employment terminates within two years after a Change in Control (except for Termination for Cause).

 

Article 3

Policy Ownership/Interests

 

3.1Participant’s Interest. With respect
to each Policy, the Participant or the Participant’s assignee shall have the right to designate the beneficiary of one of
the following death benefits:

 

    	 	3	 

     

    

  

		(a)	If a Participant who is an officer of the Bank dies
while actively employed by the Bank, the death benefit shall equal the following: (i) in the case of a Tier 1 Participant, three
(3) times the sum of the Participant’s Base Annual Salary and Average Annual Bonus, less any Bank-sponsored group term life
insurance benefit payable at the time of the Participant’s death or (ii) in the case of Tier 2 Participant, (3) times the
Participant’s Base Annual Salary, less any Bank-sponsored group term life insurance benefit payable at the time of the Participant’s
death.

 

		(b)	If a Participant who was an officer of the Bank dies
following termination of employment with the Bank when the Participant is entitled to a post-termination benefit under Section
2.3 hereof, the Participant’s death benefit shall equal the following: (i) in the case of a Tier 1 Participant, three (3)
times the sum of the Participant’s Base Annual Salary and Average Annual Bonus, or (ii) in the case of Tier 2 Participant,
two (2) times the Participant’s Base Annual Salary.

 

		(c)	In the case of a Participant who is a Director, the
death benefit shall be $50,000.

 

The
Participant shall also have the right to elect and change settlement options with the consent of the Bank and the Insurer to the
extent of the Participant’s death benefits.

 

3.2Bank’s Interest. Except to the extent
provided in Section 2.3, the Bank shall own the Policies and shall have the right to exercise all incidents of ownership except
that the Bank shall not sell, surrender or transfer ownership of a Policy so long as a Participant has an interest in the Policy.
With respect to each Policy, the Bank shall be the direct beneficiary of the remaining death proceeds of the Policy after the
Participant’s interest is determined according to section 3.1.

 

Article 4

Premiums

 

4.1Premium Payment. The Bank shall pay
all premiums due on all Policies.

 

4.2Imputed Income. The Bank shall annually
impute income to each Participant in the minimum amount required under applicable federal tax law based on the net death benefit
payable to the Participant’s beneficiary during the calendar year.

 

Article 5

Assignment

 

Any Participant may assign without consideration
all interests in his or her Policy and in this Plan to any person, entity or trust. In the event a Participant shall transfer all
of his or her interest in the Policy, then all of that Participant’s interest in his or her Policy and in the Plan shall
be vested in his or her transferee, who shall be substituted as a party hereunder, and that Participant shall have no further interest
in his or her Policy or in this Plan.

 

    	 	4	 

     

    

  

Article 6

Insurer

 

The Insurer shall be bound only by the terms
of their corresponding Policy. Any payments the Insurer makes or actions it takes in accordance with a Policy shall fully discharge
it from all claims, suits and demands of all persons relating to that Policy. The Insurer shall not be bound by the provisions
of this Plan. The Insurer shall have the right to rely on the Bank’s representations with regard to any definitions, interpretations,
or Policy interests as specified under this Plan.

 

Article 7

Administration and Claim

 

Section
7.1Administration.

 

The administration of the Plan, the exclusive
power to interpret it, and the responsibility for carrying out its provisions are vested in the Board, which may, at any time,
by resolution of the Board, delegate such functions to a committee of the Board. The Board shall have the authority to resolve
any question under the Plan. The determination of the Board as to the interpretation of the Plan or any disputed question shall
be conclusive and final to the extent permitted by applicable law.

 

Section
7.2Claims Procedures.

 

		(a)	Claims for benefits under the Plan shall be submitted
in writing to the Chairman of the Board.

 

		(b)	If any claim for benefits is wholly or partially denied,
the claimant shall be given written notice within a reasonable period following the date on which the claim is filed, which notice
shall set forth:

 

		(i)	the specific reason or reasons for the denial;

 

		(ii)	specific reference to pertinent Plan provisions on
which the denial is based;

 

		(iii)	a description of any additional material or information
necessary for the claimant to perfect the claim and an explanation of why such material or information is necessary; and

 

		(iv)	an explanation of the Plan’s claim review procedure.

 

If the claim has not been granted and written
notice of the denial of the claim is not furnished in a timely manner following the date on which the claim is filed, the claim
shall be deemed denied for the purpose of proceeding to the claim review procedure.

 

    	 	5	 

     

    

  

		(c)	The claimant or his authorized representative shall
have 30 days after receipt of written notification of denial of a claim to request a review of the denial by making written request
to the Chairman of the Board, and may review pertinent documents and submit issues and comments in writing within such 30-day
period.

 

		(d)	After receipt of the request for review, the Board
shall, in a timely manner, render and furnish to the claimant a written decision, which shall include specific reasons for the
decision and shall make specific references to pertinent Plan provisions on which it is based. Such decision by the Board shall
not be subject to further review. If a decision on review is not furnished to a claimant, the claim shall be deemed to have been
denied on review.

 

		(e)	No claimant shall institute any action or proceeding
in any state or federal court of law or equity or before any administrative tribunal or arbitrator for a claim for benefits under
the Plan until the claimant has first exhausted the provisions set forth in this section.

 

Article 8

Amendments and Termination

 

8.1Amendment or Termination of Plan. Except
as otherwise provided in sections 2.3 and 8.2, the Bank may amend or terminate the Plan at any time.

 

8.2Amendment or Termination of Plan Upon Change
in Control. Notwithstanding the provisions of section 8.1, in the event of a Change in Control, the Bank, or its successor,
shall maintain in full force and effect each Policy that is in existence on the date the Change in Control occurs and shall not
terminate or otherwise abrogate a Participant’s interest in the Policy. However, the Bank may replace the Policy with a comparable
insurance policy to cover the benefit provided under this Plan to the Participant. This section 8.2 shall apply to all Participants
in the Plan on the date the Change in Control occurs, including but not limited to (i) a retired Participant who has an interest
in a Policy; (ii) a disabled Participant who has an interest in a Policy; and (iii) a Participant whose employment terminates within
two years of a Change in Control.

 

Article 9

Miscellaneous

 

9.1Binding Effect. This Plan in conjunction
with each split dollar endorsement shall bind each Participant and the Bank, their beneficiaries, survivors, executors, administrators
and transferees and any Policy beneficiary.

 

9.2No Guarantee of Employment. This Plan
is not an employment policy or contract. It does not give a Participant the right to remain an employee of the Bank, nor does it
interfere with the Bank’s right to discharge a Participant. It also does not require a Participant to remain an employee
nor interfere with a Participant’s right to terminate employment at any time.

 

    	 	6	 

     

    

  

9.3Applicable Law. The Plan and all rights
hereunder shall be governed by and construed according to the laws of the State of New Jersey, except to the extent preempted by
federal law.

 

9.4Notice. Any notice, consent or demand
required or permitted to be given under the provisions of this Plan by one party to another shall be in writing, shall be signed
by the party giving or making the same, and may be given either by delivering the same to such other party personally, or by mailing
the same, by United States certified mail, postage prepaid, to such party, addressed to his/her last known address as shown in
the records of the Bank. The date of such mailing shall be deemed the date of such mailed notice, consent or demand.

 

9.5Entire Agreement. This Plan constitutes
the entire agreement between the Bank and the Participant as to the subject matter hereof. No rights are granted to the Participants
by virtue of this Plan other than those specifically set forth herein.

 

9.6Designated Fiduciary. For purposes
of the Employee Retirement Income Security Act of 1974, if applicable, the Bank shall be the named fiduciary and plan administrator
under the Agreement. The named fiduciary may delegate to others certain aspects of the management and operational responsibilities
of the Plan, including the employment of advisors and the delegation of ministerial duties to qualified individuals.

 

9.7Severability. If for any reason any
provision of this Agreement is held invalid such invalidity shall not affect any other provision of this Agreement not held so
invalid, and each such other provision shall, to the full extent consistent with the law, continue in full force and effect. If
any provision of this Agreement shall be held invalid in part, such invalidity shall in no way affect the rest of such provision,
not held so invalid, and the rest of such provision, together with all other provisions of this Agreement shall, to the full extent
consistent with the law, continue in full force and effect.

 

9.8Headings. The headings of Sections
herein are included solely for convenience of reference and shall not affect the meaning or interpretation of any provision of
this Agreement.

 

9.9Effective Date. The original effective
date of the Plan is September 26, 2003. The Plan, as amended and restated, is effective as of March 18, 2015,

 

    	 	7	 

     

    

  

APPENDIX A 

 

 

The following list reflects the roster Plan participants
as of the effective date of the Amended and Restated Plan. The roster includes participants who terminated employment or board
service with a post-termination benefit under the plan.

 

Directors 

 

Roy Gillian

James Steelman

John Van Duyne, Jr.

Sylva Bertini

Frederick Dalzell

Robert Previti

 

Tier 1 Officers 

 

Janet Bossi

Steven Brady

Kim Davidson

Paul Esposito

Donald Morgenweck

Anthony Rizzotte

 

 

Tier 2 Officers

 

Francine Crudo

Robert Garfi

Linda Interlante

Theresa Killian

Donna Mason

Robert Sobkow

Emily Walker

James Yensel

 

    	 	8	 

     

    

 

APPENDIX B 

 

ELECTION TO PARTICIPATE 

 

I,                                         
        , hereby elect to become a Participant in the Plan in accordance with Section
2.1 of the Plan.

 

Executed this         
day of                     ,
2015.

 

	 	 
	 	 
	 	 
	 
	Participant
	 	 
	 	 
	 	 
	 
	Witness
	 	 
	 	 
	 	 
	 	 
	Accepted by Ocean City Home Bank:
	 	 
	By:	 

 

    	 	9

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