Document:

EXHIBIT 10.21  

SETTLEMENT AGREEMENT  

This Agreement is made effective this
31st day of May, 2002. 

BETWEEN: 

MOBILE DATA SOLUTIONS
INC. (“MDSI”)  

OF THE FIRST PART 

AND: 

GENE MASTRO
(“Mastro”)  

OF THE SECOND PART 

NOW THEREFORE in consideration of the
mutual covenants contained herein, the other payments to Mastro which he would not
otherwise be entitled to, and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties agree as follows: 

     1.    
          Mastro, (which term includes his heirs, executors, administrators, assigns,
          committees and trustees) hereby releases and forever discharges MDSI, (which
          term includes its related subsidiaries or affiliated partnerships, companies and
          any and all of their and its respective officers, directors, agents, partners
          and employees and their and its respective heirs, personal representatives,
          successors, assigns, liquidators, receivers and trustees) and MDSI hereby
          releases and forever discharges Mastro, from any actions, causes of action,
          debts, liabilities, claims, demands and complaints of any kind, whether in law
          or in equity or pursuant to statute, which have existed, exist now or may in the
          future exist by reason of any matter or thing existing as of the date hereof and
          without limiting the generality of the foregoing with respect to or arising out
          of Mastro’s employment with MDSI, his contract of employment with MDSI, or
          the termination of his employment with MDSI, and any other claim for damages,
          notice of termination, payment in lieu of notice, wrongful dismissal, age
          discrimination, severance pay, loss of benefits including long term and short
          term disability, pension issues, bonus, commissions, profit sharing, stock
          distribution, stock options or stock purchase rights, vacation pay or any claims
          under Federal, State and/or local laws concerning employment discrimination
          or the payment of wages, including The Fair Labor Standards Act, the Age
          Discrimination in Employment Act, the Older Workers Benefit Protection Act,
          Title VII of the Civil Rights Act of 1964 as amended, the Family Medical Leave
          Act and any analogous state and/or local laws unless otherwise stated within
          this Agreement. 

     2.    
          Mastro agrees to resign as an officer of MDSI and as an officer of any of
          MDSI’s subsidiaries and corporate affiliates, as applicable, effective as
          of May 31, 2002. 

     3.    
          MDSI agrees to continue employing Mastro as an employee of MDSI and pay him his
          regular salary, less required deductions, up to and including May 31, 2002. The
          parties agree that Mastro will be compensated for any unused earned vacation to
          May 31, 2002, together with his 10 days carried over from the previous calendar
          year. This compensation will be included in Mastro’s final paycheck. Mastro
          will continue to be eligible for all standard MDSI benefits up to May 31, 2002
          together with those additional benefits described in that certain Foreign
          Service Assignment Agreement (“FSA”) between MDSI and Mastro dated May
          1, 2001, as amended by a letter dated February 28, 2002, in connection with
          Mastro’s temporary assignment to Amsterdam, The Netherlands. Mastro
          acknowledges that all employee benefits will be terminated effective May 31,
          2002. 

     4.    
          Subject to Mastro’s revocation period described in paragraph [20], on May
          31, 2002 MDSI agrees to pay to Mastro the sum of $199,500 (less any required
          deductions), which is equal to twelve month’s of his regular base salary. 

1 

     5.    
          The parties agree that Mastro is free to accept employment with any other firm
          and is free to perform the duties of the said new firm at any time after May 31,
          2002, provided that he abide by the terms and conditions of this Agreement. 

     6.    
          Subject to Mastro’s revocation period described in paragraph [20], MDSI
          agrees to pay Mastro the aggregate sums of commissions earned in accordance with
          the attached Schedule A, less required deductions, as full and final settlement
          of all bonuses earned and payable to Mastro in performance of his duties for the
          period ending May 31, 2002. Mastro acknowledges and agrees that he will not be
          eligible for any further bonus compensation or commissions under the terms of
          his contract of employment or any bonus or profit sharing plan after May 31,
          2002, except as those certain commissions expressly provided in Schedule A. 

     7.    
          MDSI agrees to reimburse Mastro for all reasonable moving expenses associated
          with relocating his family and their belongings from Amsterdam, The Netherlands
          to Yorktown, New York in accordance with the FSA. MDSI will arrange for the
          packing and shipping of Mastro’s personal and household effects from
          Amsterdam to New York and provide Mastro and his spouse with return economy
          class airfare from Amsterdam to New York. MDSI will also provide up to 30 days
          interim accommodation, if required, related to Mastro’s relocation from
          Amsterdam to New York. 

     8.    
          MDSI acknowledges that the FSA will remain in effect until April 30, 2002. With
          respect to travel for the purposes of family visits, MDSI acknowledges that the
          FSA provides up to four round trip economy airline tickets for each of
          Mastro’s spouse, son and daughter from New York to Amsterdam return, or
          England to Amsterdam return, as the case may be, for the duration of the
          assignment. 

     9.    
          MDSI agrees to pay the cost of outplacement service for Mastro to a maximum of
          US$10,000 in accordance with the FSA. (Note — MDSI is willing to consider
          alternate arrangements up to the value of $10,000 (e.g. retain computer,
          conferences etc) providing same is related to or will assist in Mastro’s
          search for alternate employment). 

     10.    
          MDSI agrees upon presentation of invoice and or receipt to pay for Mastro’s
          professional advice in connection with the preparation and filing of the United
          States tax returns for 2001 and 2002 related to his spouse and Mastro’s
          employment income from MDSI. MDSI further acknowledges it’s obligation
          in respect to item (f) of the FSA regarding the assumption of any income tax
          charges exceeding the “notional” home country income tax charges owed
          by Mastro related to Mastro’s employment income from MDSI for 2001 and
          2002.

     11.    
          Mastro agrees not to make any claim or take any proceedings against any person
          or corporation with respect to any matters which may have arisen between himself
          and MDSI up to the present time in respect of which any claim could arise
          against MDSI for contribution or indemnity or other relief. 

     12.    
          MDSI agrees not to make any claim or take any proceedings against any person or
          corporation with respect to any matters which may have arisen between himself
          and Mastro up to the present time in respect of which any claim could arise
          against Mastro for contribution or indemnity or other relief. 

     13.    
          MDSI and Mastro acknowledge that the facts in respect of which this Agreement
          are made may prove to be other than or different from the facts in that
          connection now known or believed by MDSI or Mastro to be true. MDSI and Mastro
          accept and assume the risk of the facts being different and agree that this
          Agreement shall be in all respects enforceable and not subject to termination,
          rescission, or variation by discovery of any differences in facts. 

2 

     14.    
          The vesting of all stock options granted to Mastro by MDSI will cease on May 31,
          2002 and all such stock options not exercised on or before June 30, 2002 by
          Mastro will expire. 

     15.    
          Mastro agrees to return to MDSI on or before May 31, 2002, all property
          belonging to MDSI which is in Mastro’s possession or control, including any
          papers, files, documentation, hardware, software, cell phones, security passes,
          keys and credit or calling cards. 

     16.    
          Mastro agrees to submit a final expense statement in connection with his duties
          at MDSI, together with all receipts, by June 14, 2002 and MDSI agrees to
          reimburse to Mastro all reasonable MDSI related expenses in accordance with MDSI
          policy by June 30, 2002. 

     17.    
          Mastro agrees not to disclose to any third party or use for his own purposes any
          confidential or proprietary information or trade secrets belonging to MDSI as
          defined in Mastro’s Employment Contract dated November 3, 1997. Mastro
          acknowledges that the obligations contained in Articles 5 and 8 of his
          Employment Contract will survive termination of his employment and continue
          indefinitely. 

     18.    
          The parties agree that execution of this agreement is not an admission of fault
          or wrongdoing by either party with respect to the employment of Mastro by MDSI.
          Both parties agree not to make any disparaging remarks or statements, written or
          otherwise, with respect to one another, to any third parties. 

     19.    
          The parties further agree that the terms of this Agreement are strictly
          confidential and agree not to disclose any such terms to any person save and
          except their respective professional advisors or as may be required by law. 

     20.    
          Mastro hereby acknowledges that he is executing this Agreement voluntarily with
          full knowledge and understanding of its terms and conditions. Mastro further
          acknowledges receipt of notice to seek legal counsel in connection with the
          subject matter contemplated by this Agreement. Mastro also acknowledges that he
          has been given a period of 21 days, to consider this agreement , and a further
          period of seven days to revoke any execution of this Agreement by him. To revoke
          this Agreement, Mastro must deliver such revocation to MDSI in writing before
          expiration of the revocation period. Such revocation shall mean that the
          agreement is not enforceable and never in effect. Mastro acknowledges that,
          other than payments of regular base salary up to May 31, 2002, MDSI shall not be
          required to make any payments to Mastro contemplated by this Agreement until the
          expiry of the revocation period described in this paragraph. 

     21.    
          This Agreement is governed by the laws of the State of New York. 

IN WITNESS WHEREOF the parties have
executed this Agreement on the 14th day of June, 2002. 

MDSI MOBILE DATA SOLUTIONS INC. 

Per:
  
/s/ Erik Dysthe
            
           
            

          
Authorized Signatory 

3 

	SIGNED SEALED & DELIVERED  by 	 	)	 	 	 
	Gene Mastro in the presence of:	 	)	 	 	 
	 	 	)	 	 	 
	 	 	)	 	 	 
	/s/ Parviz Davalloo	 	)	 	/s/ Gene Mastro	 
	
	 	)	 	
	 
	Witness	 	)	 	GENE MASTRO 	 
	 	 	)	 		 

4 

Schedule A 

Special Compensation
Plan – Gene Mastro 

Commission Schedule
— Telkom SA Limited (“TSA”) and Grintek 

The following commission schedule
will apply to Mastro for customer agreements with: 

     1.    
          TSA Supply Agreement 

     2.    
          TSA Maintenance Agreement 

     3.    
          Grintek Master Distribution Agreement for Advantex Software Licenses. 

Commissions will be calculated as
follows: 

	Date Agreement Closed 	
Commission earned 
	March 12 to April 27, 2002	 	- 5% of Net Revenue	 
	April 28 to May 31, 2002	 	- 4% of Net Revenue	 
	June 1 to July 31, 2002	 	- 2% of Net Revenue	 
	August 31 to December 31, 2002	 	- 1% of Net Revenue	 

Subject to: 

          	1. 	  	
               Commissions will be paid to Mastro at the later of: (a) 30 days from the date
               the commission is earned and the deal is closedor (b) the end of Mastro’s
               revocation period as described in the Settlement Agreement. However, no earned
               commissions on TSA and Grintek will be paid to Mastro until the 30th
               day following the dates such agreements are fully approved by all applicable
               regulatory authorities having jurisdiction over TSA or Grintek, as the case may
               be. 

                

          	2. 	  	
               All signed customer agreements must meet definition of a Closed Customer
               Contract (as defined below). 

                

          	3. 	  	
               Net Revenue means: 

               

		i)	For
Software, the value of the license fee, net of Alliance Partner/third
               party contractor (eg. Grintek, Accenture) discounts, if applicable. 

	 	ii)	For
Services, the value of the Services net of Alliance Partner/third party
               contractor discounts, (eg. Grintek, Accenture) fees or payments, if
               applicable.:

	  	
Commissions
will be calculated based on the Net Revenue for software and services. Minimum Net Revenue
on TSA must meet or exceed           
           
or other Net Revenue target authorized in writing by MDSI’s CEO.  The parties agree that if
MDSI’s CEO or his authorized designee agrees to accept a legally binding contract with
TSA for a Net Revenue value of less than
          
           , the commissions will
be paid to Mastro in accordance with the Commission Schedule defined in Article 3 above.

		  	Commission
for TSA Maintenance Agreement will be calculated on the basis of 25% of the aggregate value
of the Net Revenue from the TSA Maintenance Agreement for the number of years stated in the contact.
The minimum Net Revenue for the TSA Maintenance Agreement must meet or exceed
               
       per annum or other Net Revenue target authorized
 in writing by MDSI’s CEO.  The parties agree that if MDSI’s CEO or his authorized
designee agrees to accept a legally binding contract with TSA for a Net Revenue value of less
than           
            per annum, the commissions
will be paid to Mastro in accordance with the Commission Schedule defined in Article 3 above.

	4.  	  	Providing
that MDSI enters into a master distribution agreement with Grintek           (the “Grintek
Agreement”) obligating Grintek to purchase a minimum           number of Advantex
software licenses from MDSI over a three year period, then           MDSI shall pay
Mastro an up-front commission based on 50% of the aggregate value           of the
Grintek Agreement at the applicable commission rate described above, and           in
accordance with paragraph 1 above. No additional commission payments will be
          paid to Mastro until such time as payments have been received by MDSI from
          Grintek that exceed the payment value to generate additional commissions above
          the 50% already paid to him. In the event MDSI offsets any such payment against
          monies owed by MDSI to Grintek from time to time for services, etc. such credit
          or off-set will be considered to be a cash payment received by MDSI for
Advantex           software licenses under Grintek Agreement and Mastro’s
commissions will be           calculated as if such payment had been received by MDSI.
MDSI agrees to provide           Mastro with semi-annual statements of the status of the
Grintek payments for the           applicable 3-year period.  

5 

Definition of a
“Closed Customer Contract” for TSA and Grintek. 

The commission schedule for TSA and
Grintek above aligns with MDSI’s desire to be able to publicly disclose a binding
agreement in accordance with its earnings announcement schedule for the first fiscal
quarter of 2002 or by the date of its Annual General Meeting of Shareholders. Therefore,
the date of the Closed Customer Contract will be the first date on which both MDSI and TSA
(or Grintek as the case may be) have entered into a legally binding agreement (within the
Net Revenue guidelines described above) and MDSI’s head office has evidence of such
agreements. The agreements may be subject to regulatory approval within South Africa,
(i.e., Industrial Participation, Reserve Bank of SA). Due to the potential material
nature of these agreements, MDSI may be obligated to promptly disclose such agreements to
the financial and investment community. As a result Mastro agrees to use his reasonable
best efforts to have TSA (or Grintek as the case may be) agree to a public announcement of
such agreements coincident with the signing of the applicable legally binding
agreements. If either the TSA or Grintek agreement (as the case may be) is materially
altered in order to obtain any necessary regulatory approvals, then the earned commissions
for TSA or Grintek agreement (as the case may be) to be paid to Mastro will be calculated
based on the date such agreement is re-submitted for final regulatory approval. 

Commission Schedule
— eKabel 

Should Mastro close a legally binding
agreement with eKabel on or before May 31, 2002, MDSI shall pay Mastro a commission on
such sale in accordance with the MDSI 2002 Fiscal Year Sales Executive Commission Plan.
This commission earned will be calculated based on Net Revenue for the eKabel agreement
and will be paid within 30 days within the date of the closing date. Mastro agrees to use
all reasonable efforts to maximize the amount of up-front monies that MDSI is entitled to
receive from eKabel under the existing memorandum of understanding. 

Over-ride Commission
Schedule — Senior Vice President 2002 

The special commission incentives set
out above are exclusive to Mastro’s direct involvement in the TSA, Grintek and eKabel
accounts and supplement the 2002 Over-ride Commission schedule applicable to MDSI’s
Senior Vice President Worldwide Sales as detailed below. Any sales associated with
TSA, Grintek or eKabel which are closed on or before May 31, 2002 will be included in the
calculation of Mastro’s Over-ride commission. 

Senior Vice President Worldwide 

Sales

Target: 

$45.0MM 

					
	
Bookings
         

Low         
      	
         High 	
          Commission

          
% 	
             
    $ 	
                  Cumulative 
	$              --	 	$  10,000,000	 	0	.250	25,000	 	25,000	 
	$10,000,001	 	$  15,000,000	 	0	.250	12,500	 	37,500	 
	$15,000,001	 	$  20,000,000	 	0	.500	25,000	 	62,500	 
	$20,000,001	 	$  25,000,000	 	0	.500	25,000	 	87,500	 
	$25,000,001	 	$  30,000,000	 	0	.750	37,500	 	125,000	 
	$30,000,001	 	$  35,000,000	 	0	.750	37,500	 	162,500	 
	$35,000,001	 	$  40,000,000	 	1	.000	50,000	 	212,500	 
	$40,000,001	 	$  45,000,000	 	1	.000	50,000	 	262,500	 
	$45,000,001	 	$  50,000,000	 	1	.000	50,000	 	312,500	 
	$50,000,001	 	$  60,000,000	 	1	.250	125,000	 	437,500	 
	$60,000,001	 	$  70,000,000	 	1	.500	150,000	 	587,500	 
	$70,000,001	 	$  80,000,000	 	1	.750	175,000	 	762,500	 
	$80,000,001	 	$  90,000,000	 	2	.000	200,000	 	962,500	 
	$90,000,001	 	$100,000,000	 	2	.250	225,000	 	1,187,500	 
	$100,000,001	 		 	2	.500	 	 	 	 

$5.0K for each MDSI ideligo booking
between 

January 1, 2002 and May 31, 2002.  

6EXHIBIT 10.6

                     [LETTERHEAD OF AMERICAN HOME MORTGAGE]

                              EMPLOYMENT AGREEMENT

This Employment Agreement, dated as of December 18, 2002 (this "Agreement"), is
by and between American Home Mortgage, Inc., a New York corporation having a
place of business at 520 Broadhollow Road, Melville, NY 11747 (the "Company"),
and Robert Bernstein, [address omitted] (the "Executive").

            Whereas the Company wishes to assure itself of the services of the
Executive, and the Executive desires to be employed by the Company, upon the
terms and conditions hereinafter set forth.

            Now, therefore, the Company and the Executive hereby agree as
follows:

            1. Employment. The Company agrees to employ the Executive, and the
Executive hereby accepts such employment by the Company during the term set
forth in Section 2 and on the other terms and conditions of this Agreement.

            2. Term. The term of this Agreement shall commence on December 18,
2002, and shall continue until two weeks after the resignation or discharge of
the Executive.

            3. Position, Duties and Responsibilities, Rights.

            (a) During the term of this Agreement, the Executive shall serve as,
and be elected to and hold the office and title of Vice President - Controller.
As such, the Executive shall report only to the Chief Financial Officer of the
Company (the "CFO"), and shall have all of the powers and duties usually
incident to the office of Vice President - Controller.

            (b) During the term of this Agreement, the Executive agrees to
devote substantially all the Executive's time, efforts and skills to the affairs
of the Company during the Company's normal business hours, except for vacations,
illness and incapacity, but nothing in this Agreement shall preclude the
Executive from devoting reasonable periods to (i) manage the Executive's
personal investments, (ii) participate in professional, educational, public
interest, charitable, civic or community activities, including activities
sponsored by trade organizations, and (iii) serve as a director or member of an
advisory committee of any corporation not in competition with the Company or any
of its subsidiaries, or as an officer, trustee or director of any charitable,
educational, philanthropic, civic, social or industry organizations, or as a
speaker or arbitrator; provided, however, that the performance of the
Executive's duties or responsibilities in any of such capacities does not
materially interfere with the regular performance of the Executive's duties and
responsibilities hereunder.

            4. Place of Performance. In connection with the Executive's
employment by the Company, the Executive shall be based in Melville, New York
and shall not be required to be absent from there on travel status or otherwise
for more than a reasonable time each year as necessary or appropriate for the
performance of the Executive's duties hereunder.

            5. Compensation.

            (a) During the term of this Agreement, the Company shall pay the
Executive, and the Executive agrees to accept a base salary at the rate of not
less than $120,000.00 per year (the annual base salary as increased from time to

<PAGE>

time during the term of this Agreement being hereinafter referred to as the
"Base Salary"). The Base Salary shall be paid in installments no less frequently
than monthly. Any increase in Base Salary or other compensation shall not limit
or reduce any other obligation of the Company hereunder, and once established at
an increased specified rate, the Executive's Base Salary hereunder shall not
thereafter be reduced.

            (b) During the term of this Agreement, the Company shall, after the
close of each calendar year, pay the Executive an objective achievement bonus,
the amount of which will be determined by the Chief Financial Officer. To
determine the amount of the objective achievement bonus for a given year, the
Chief Financial Officer will consider whether the Executive achieved the
objectives set forth in the Executive's business plan for the calendar year. If
the Chief Financial Officer determines that the objectives were achieved, the
Chief Financial Officer will award the Executive an objective achievement bonus
of $60,000.00. If the objectives were surpassed, the Chief Financial Officer may
award a greater amount, if the objectives were only partially achieved, it may
award a lesser amount. Objective achievement bonuses for a given year will be
paid no later than the last day of March of the succeeding year.

            (c) Notwithstanding the amounts, determinants and meanings set forth
in section 5(b), the minimum bonus paid to the Executive shall be $48,000.00 and
the maximum bonus shall be $72,000.00 (i.e., the sum of the payments pursuant to
5(b) will range from $48,000.00 to $72,000.00 per year).

            (d) For 2002 the Executive's bonus will be calculated on a pro rata
basis based upon the number of days worked in 2002 versus the total number of
business days in 2002. The resulting bonus for 2002 will be paid no later than
the last day of March of 2003.

            (e) Notwithstanding anything to the contrary, the Executive will not
be entitled to any unpaid bonuses if he is no longer an employee of the Company.

            (f) During the term of this Agreement, the Executive shall be
entitled to fringe benefits, in each case at least equal to and on the same
terms and conditions as those attached to the Executive's office on the date
hereof, as the same may be improved from time to time during the term of this
Agreement, as well as to reimbursement, upon proper accounting, of all
reasonable expenses and disbursements incurred by the Executive in the course of
the Executive's duties.

            6. Termination of Employment. The employment created hereby is at
will. The Company may terminate this Agreement by discharging the Executive. The
Executive may terminate this Agreement by resigning with two weeks notice to the
Company. Discharge or resignation may be for any reason or for no reason. If the
company chooses to discharge the Executive, it will deliver a letter of
discharge pursuant to the notice provisions of section 9. If the Executive
chooses to resign, the Executive will deliver a letter of resignation pursuant
to the notice provisions of section 9.

            7. Entire Agreement; Amendment.

            (a) This Agreement contains the entire understanding of the parties
with respect to the subject matter hereof and supersedes any and all other
agreements between the parties, their predecessors and affiliates.

            (b) Any amendment of this Agreement shall not be binding unless in
writing and signed by both (i) the CEO and (ii) the Executive.

            8. Enforceability. In the event that any provision of this Agreement
is determined to be invalid or unenforceable, the remaining terms and conditions
of this Agreement shall be unaffected and shall remain in full force and effect,

<PAGE>

and any such determination of invalidity or enforceability shall not affect the
validity or enforceability of any other provision of this Agreement.

            9. Notices. All notices which may be necessary or proper for either
the Company or the Executive to give to the other shall be in writing and shall
be sent by hand delivery, registered or certified mail, return receipt requested
or overnight courier, if to the Executive, to him at 520 Broadhollow Road,
Melville, New York 11747 and, if to the Company, to it at its principal
executive offices at 520 Broadhollow Road, Melville, New York, 11747, Attention:
Human Resources Officer, with a copy to Cadwalader, Wickersham & Taft, 100
Maiden Lane, New York, New York 10038, Attention: Louis Bevilacqua, Esq., and
shall be deemed given when sent. Either party may by like notice to the other
party change the address at which it is to receive notices hereunder.

            10. Non-Disparagement, Non-Solicitation, Confidential Information.
The Company and the Executive agree that neither will disparage the other and
that their representatives will not disparage either party hereto. The Executive
agrees that for a period of 90 days following the termination of this Agreement,
the Executive will not solicit any employee of the Company to leave the Company
or hire any employee of the Company. The Company and the Executive agree to keep
the terms of this Agreement confidential except that the Executive may divulge
the terms of this Agreement to the Executive's spouse, attorney, financial
advisor and accountant provided they agree to keep the terms of this Agreement
confidential. The Executive agrees to protect, not disclose, and not use for the
Executive's benefit any confidential information or trade secrets belonging to
the Company, including information regarding proprietary procedures and
techniques, accounts, or personnel (excepting information that was already
disclosed by the Company or otherwise was made public other than by breach of
this Agreement by the Executive). The preceding two sentences shall not apply to
disclosures required due to the laws or regulations of governments, or the
orders of courts having jurisdiction over the Company and the Executive. This
section 10 shall survive the termination of this Agreement.

            11. Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY, AND BE
ENFORCEABLE IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT GIVING
EFFECT TO THE PRINCIPLES OF CONFLICTS OF LAWS THEREOF.

            IN WITNESS WHEREOF, the parties hereto have caused this Agreement to
be duly executed as of the date first written above.

                                              American Home Mortgage, Inc.

                                              By:  /s/ Stephen A. Hozie
                                              ----------------------------------
                                              Name: Stephen A. Hozie
                                              Title:  Chief Financial Officer

                                                /s/ Robert Bernstein
                                              ----------------------------------
                                              Robert Bernstein

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