Document:

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                                                                   EXHIBIT 10.10

                              EMPLOYMENT AGREEMENT

          This Agreement is made effective this 1st day of June, 2000 (the
"Effective Date"), by and between E*TRADE Group, Inc., a Delaware corporation
("Company"), and Jerry Gramaglia ("Executive").

                                   BACKGROUND

          Executive is serving as President and Chief Operating Officer of the
Company.  The parties desire to enter into a formal employment agreement with
respect to the continued employment of Executive by Company, which shall
automatically become effective as of the Effective Date.

                              TERMS AND CONDITIONS

          In consideration of the premises and the mutual covenants and
agreements set forth below, the parties agree as follows:

          1.  Termination of Prior Agreements. Subject to the provision of
Section 9 herein, any prior agreement shall terminate and be of no further force
and effect as of the execution of this Agreement.

          2.  Employment. Executive agrees to serve as President and Chief
Operating Officer of Company for the term of this Agreement, subject to the
terms set forth in this Agreement and the provisions of the Bylaws of Company.
During his employment, Executive shall devote his effort and attention, on a
full-time basis, to the performance of the duties required of him as an
executive of Company.

          3.  Compensation. As compensation for his services during the term of
this Agreement, Executive shall receive the amounts and benefits set forth in
this Section 3 all effective as of the Effective Date unless otherwise
specified:

              (a)  An annual salary of $425,000 ("Base Salary") prorated for any
partial year of employment. As soon as reasonably practicable after the close of
Company's current fiscal year and the close of each fiscal year thereafter, the
Base Salary shall be subject to review by the Compensation Committee of the
Company's Board of Directors for increases in light of the size and performance
of Company. The Base Salary, as adjusted in accordance with this subsection (a),
shall remain in effect unless and until it is increased in accordance with this
subsection (a). Executive's salary shall be payable semimonthly or in accordance
with Company's regular payroll practices in effect from time to time for
officers of his level in Company.
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              (b)  Participation in E*TRADE's gr2 (Success Sharing) Bonus Plan.
The Executive will be eligible to receive an incentive bonus of 80% of his base
salary, which may be increased as determined by the Chairman/Chief Executive
Officer and the Compensation Committee of the Company.

              (c)  Participation in the employee benefit plans maintained by
Company and in other benefits provided by Company to senior executives,
including retirement and 401(k) plans, deferred compensation, medical and
dental, annual vacation, paid holidays, sick leave, and similar benefits, which
are subject to change from time to time at the reasonable discretion of Company.

              (d)  Reimbursement for financial counseling not to exceed $10,000
per year and for annual physical examinations for the executive and his wife not
to exceed $20,000 per year.

              (e)  It is acknowledged that Executive has received option grants
in accordance with the terms of this contract. Company agrees that there will be
no change made in any Stock Option during the term of Executive's employment
hereunder which adversely affects Executive's rights as established by the
foregoing documents, without the prior written consent of Executive.

              (f)  Lease of automobile for company use, of a mutually agreeable
make and model of a value not to exceed $50,000, and reimbursement of reasonable
operating expense.

              (g)  Reimbursement of all reasonable business-related expenses,
including without limitation business- travel conducted pursuant to Company's
travel policy.

              (h)  Reimbursement of the reasonable maintenance costs of a
comprehensive security and monitoring system installed in the Executive's
primary residence.

              (i)  Executive will be eligible for full relocation benefits as
provided by our executive relocation policy.

          4.  Term.  The term of this Agreement and the termination rights are
as follows:

              (a)  This Agreement and Executive's employment under this
Agreement shall be effective as of the Effective Date and shall continue for a
term ending on May 31, 2004 (the "Initial Term").

              (b)  This Agreement and Executive's employment may be terminated
by either party prior to the end of the Initial Term (or any renewal period)
upon 30 days' prior written notice to the other party, provided that, in the
event of such termination, Company shall be obligated to make the payments and
provide the benefits described in Section 6 below.

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          5.  Executive will be given the option of a fully secured first
mortgage loan of up to $10,000,000 for the purchase of a house in the San
Francisco area. The terms and conditions of this fully secured and full recourse
loan will be set forth in a separate writing.

          6.  Termination Payments. Upon termination of Executive's employment,
Company shall pay to Executive, within three business days after the end of the
30-day notice period provided in Section 4 above, a payment in cash equal to
subsection (a) of this Section 6, and shall for the period or at the time
specified provide the other benefits described in subsection (b) of this Section
6 if: (i) Executive's employment is terminated by Company, other than for Cause,
within three years after any "Change in Control" of Company as defined in
subsection (d) of this Section 6, or at the request of or pursuant to an
agreement with a third party who has taken steps reasonably calculated to effect
a Change in Control, or otherwise in connection with or in anticipation of a
Change in Control

              (a)  Eighteen (18) months of Executive's current Base Salary.

              (b)  In addition to the amount payable to Executive under
subsection (a) of this Section 6, upon termination of Executive for any reason
the health care (including medical and dental) and life insurance benefits
coverage benefits provided to Executive at his date of termination shall be
continued at the same level and in the same manner as if his employment had not
terminated (subject to the customary changes in such coverages if Executive
reaches age 65 or similar events), together with the benefits described in
subsections (d) and (f) of Section 3 beginning on the date of such termination
and ending on the later of: (a) the end of the term of this Agreement or (b) the
date eighteen (18) months following the date of the Executive's termination,
followed by COBRA election rights. Any additional coverages Executive had at
termination, including dependent coverage, will also be continued for such
period on the same terms. Any costs Executive was paying for such coverages at
the time of termination shall continue to be paid by Executive. If the terms of
any benefit plan referred to in this section do not permit continued
participation by Executive, then Company will arrange for other coverage
providing substantially similar benefits at the same contribution level of
Executive.

              (c)  For purposes of this Agreement, the following definitions
shall apply:

                (i)  The "Board" shall mean the Board of Directors of Company.

                (ii) The "Incumbent Board" shall mean the members of the Board
as of the date of this Agreement and any person becoming a member of the Board
hereafter whose election, or nomination for election by Company's shareholders,
was approved by a vote of at least a majority of the directors then comprising
the Incumbent Board (other than an election or nomination of an individual whose
initial assumption of office is in connection with an actual or threatened
election contest relating to the election of the directors of Company).

                (iii)  "Change in Control" shall mean:

                        (A)  The acquisition (other than from Company) by any
person, entity or "group," within the meaning of Section 13(d)(3) or 14(d)(2) of
the Exchange

                                     Page 3
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Act (excluding, for this purpose, any employee benefit plan of Company or its
subsidiaries which acquires beneficial ownership of voting securities of
Company) of beneficial ownership (within the meaning of Rule 13d-3 promulgated
under the Exchange Act) of 50% or more of either the then outstanding shares of
Common Stock or the combined voting power of Company's then outstanding voting
securities entitled to vote generally in the election of directors; or

                        (B)  The failure for any reason of individuals who
constitute the Incumbent Board to continue to constitute at least a majority of
the Board; or

                        (C)  Approval by the stockholders of Company of a
reorganization, merger, consolidation, in each case, with respect to which the
shares of Company voting stock outstanding immediately prior to such
reorganization, merger or consolidation do not constitute or become exchanged
for or converted into more than 50% of the combined voting power entitled to
vote generally in the election of directors of the reorganized, merged or
consolidated company's then outstanding voting securities, or a liquidation or
dissolution of Company or of the sale of all or substantially all of the assets
of Company.

                (iv) "Current Total Annual Compensation" shall be the greater of
(i) Executive's Base Salary for the calendar year in which his employment
terminates or (ii) such salary for the calendar year prior to the year of such
termination.

                (v)  "Disability" shall mean the total and permanent inability
of Executive due to illness, accident or other physical or mental incapacity to
perform the usual duties of his employment under this Agreement, as determined
by a physician selected by Company and acceptable to Executive or Executive's
legal representative (which agreement as to acceptability shall not be
unreasonably withheld).

                (vi) The "Exchange Act" shall mean the Securities Exchange Act
of 1934, as amended.

                (vii)  "Cause" shall be defined solely as (i) Executive's
defalcation or misappropriation of funds or property of the Company, or the
commission of any other illegal act in the course of his employment with Company
which, in the reasonable judgment of the Board of Directors, has a material
adverse financial effect on the Company or on Executive's ongoing abilities to
carry out his duties under this Agreement; (ii) Executive's conviction of a
felony or of any crime involving moral turpitude, and affirmance of such
conviction following the exhaustion of any appeals; (iii) refusal of Executive
to substantially perform all of his duties and responsibilities, or Executive's
persistent neglect of duty or chronic unapproved absenteeism (other than for a
temporary or permanent Disability), which remains uncured following thirty days
after written notice of such alleged Cause by the Board of Directors; or (iv)
any material and substantial breach by Executive of other terms and conditions
of this Agreement, which, in the reasonable judgment of the Board of Directors,
has a material adverse financial effect on the Company or on Executive's ongoing
abilities to carry out his duties under this Agreement and which remains uncured
following thirty days after written notice of such alleged Cause by either the
Board of Directors, or Company's chairman and Chief Executive Officer.

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              7.  Executive agrees that during his employment with E*TRADE
Executive will not engage in any other employment, business, or business related
activity unless Executive receives E*TRADE's prior written approval to hold such
outside employment or engage in such business or activity. Such written approval
will not be unreasonably withheld if such outside employment, business or
activity would not in any way be competitive with the business or proposed
business of E*TRADE or otherwise conflict with or adversely affect in any way
his performance of his employment obligations to E*TRADE.

                  Subject to the approval of the Chief People Officer or his
replacement, commencing on the date of termination of his employment with
E*TRADE and continuing for a period not to exceed twelve (12) months, Executive
will not, except as provided below, as an employee, agent, consultant, advisor,
independent contractor, general partner, officer, director, stockholder,
investor, lender or guarantor of any corporation, partnership or other entity,
or in any other capacity directly or indirectly:

             i.    engage in any activity, in any market where E*TRADE conducts
                   business, in which Executive participate, manage or advise in
                   the design, development, marketing, sale or servicing of any
                   product related to global institutional and retail internet
                   securities trading, clearing services or execution (hereafter
                   referred to as "the Business");

             ii.   induce, encourage or solicit any individual who was employed
                   by E*TRADE within six (6) months of the date his employment
                   with E*TRADE terminates to leave the Company for any reason
                   or to accept employment with any other company, or to employ,
                   interview or arrange to have business opportunities offered
                   to any such individual; or

             iii.  permit his name to be used in connection with a business
                   which is competitive or substantially similar to the
                   Business.

                   Notwithstanding the foregoing, Executive may own, directly or
indirectly, solely as an investment, up to one percent (1%) of any class of
"publicly traded securities" of any person or entity which owns a business that
is competitive or substantially similar to the Business. The term "publicly
traded securities" shall mean securities that are traded on a national
securities exchange of listed on the National Association of Securities Dealers
Automated Quotation System.

                   If any restriction set forth in this non-competition section
is found by a court to be unreasonable, then Executive agrees, and hereby
submit, to the reduction and limitation of such prohibition to such area or
period as shall be deemed reasonable. Executive acknowledges that the services
that Executive will provide to E*TRADE under this Agreement are unique and that
irreparable harm will be suffered by E*TRADE in the event of the breach by
Executive of any of his obligations under this Agreement, and that E*TRADE will
be entitled, in addition to its other rights, to enforce by an injunction or
decree of specific performance the obligations set forth in this Agreement. Any
claims asserted by Executive against E*TRADE

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shall not constitute a defense in any injunction action brought by E*TRADE to
obtain specific enforcement of said paragraphs.

                   Executives agree that if the Company establishes that
Executive, or those acting in concert with Executive or on his behalf,
materially violate the Non-Competition provision in any way, the Company shall
be entitled to recover the reasonable attorneys' fees and litigation expenses
incurred, arising out of or relating to the Company's efforts to prevent the
breach, to establish that a breach has occurred, to enforce the Non-Competition
provisions or to seek to redress a breach, including any appeals if necessary.
If the Company fails to establish that Executive, or those acting in concert
with Executive or on his behalf, have materially violated any of the Non-
Competition provisions in any way, Executive shall be entitled to reimbursement
of reasonable attorneys' fees and litigation expenses incurred in his defense.

               8.  Arbitration. We each agree that any and all disputes between
us which arise out of his employment, the termination of his employment, or
under the terms of this Agreement shall be resolved through final and binding
arbitration. This shall include, without limitation, disputes relating to this
Agreement, any disputes regarding his employment by E*TRADE or the termination
thereof, claims for breach of contract or breach of the covenant of good faith
and fair dealing, and any claims of discrimination or other claims under any
federal, state or local law or regulation now in existence or hereinafter
enacted and as amended from time to time concerning in any way the subject of
his employment with E*TRADE or its termination. The only claims not covered by
this section are the following: (i) claims for benefits under the unemployment
insurance or workers' compensation laws; (ii) claims concerning the validity,
infringement or enforceability of any trade secret, patent right, copyright,
trademark or any other intellectual property held or sought by E*TRADE, or which
E*TRADE could otherwise seek; in each of these instances such disputes or claims
shall not be subject to arbitration, but rather, will be resolved pursuant to
applicable California law. Binding arbitration will be conducted in Santa Clara
County in accordance with the rules and regulations of the American Arbitration
Association. The parties will split the cost of the arbitration filing and
hearing fees and the cost of the arbitrator; each side will bear its own
attorneys' fees, unless otherwise decided by the arbitrator. Executive
understand and agree that arbitration shall be instead of any civil litigation,
that each side waives its right to a jury trial, and that the arbitrator's
decision shall be final and binding to the fullest extent permitted by law and
enforceable by any court having jurisdiction thereof.

               9.  Miscellaneous Provisions. This Agreement, the stock options
grant agreements and the previously executed Proprietary Information and
Inventions Agreement will be the entire agreement between Executive and E *TRADE
relating to his employment and the additional matters provided for herein. This
Agreement supersedes and replaces (i) any prior verbal or written agreements
between the parties except as provided for herein and (ii) any prior verbal or
written agreements between the undersigned Executive and the Company relating to
the subject matter hereof. This Agreement may be amended or altered only in a
writing signed by Executive and the Company. This Agreement shall be construed
and interpreted in accordance with the laws of the State of California. Each
provision of this Agreement is severable from the others, and if any provision
hereof shall be to any extent unenforceable it and the other

                                     Page 6
<PAGE>

provisions shall continue to be enforceable to the full extent allowable, as if
such offending provision had not been a part of this Agreement.

               10.  Assignment; Successors. Any assignment of this Agreement
shall be in accordance with the following:

                    (a)  The rights and benefits of Executive under this
Agreement, other than accrued and unpaid amounts due hereunder, are personal to
him and shall not be assignable by Executive, except with the prior written
consent of Company.

                    (b)  Subject to the provisions of subsection (c) of this
Section 6, this Agreement shall not be assignable by Company, provided that with
the consent of Executive, Company may assign this Agreement to another
corporation wholly owned by it either directly or through one or more other
corporations, or to any corporate successor of Company or any such corporation.

                    (c)  Any business entity succeeding to substantially all of
the business of Company, by purchase, merger, consolidation, sale of assets or
otherwise, shall be bound by and shall adopt and assume this Agreement, and
Company shall require the assumption of this Agreement by such successor as a
condition to such purchase, merger, consolidation, sale of assets or other
similar transaction.

               11.  Notices. Any notice or other communications under this
Agreement shall be in writing, signed by the party making the same, and shall be
delivered personally or sent by certified or registered mail, postage prepaid,
addressed as follows:

          If to Executive:      Mr. Jerry Gramaglia
                                c/o E*Trade Group, Inc.
                                4500 Bohannon Drive
                                Menlo Park, CA 94025

          If to Company:        Chief Legal Affairs Officer
                                c/o E*Trade Group, Inc.
                                4500 Bohannon Drive
                                Menlo Park, CA 94025

or such other address or agent as may hereafter be designated by either party
hereto.  All such notices shall be deemed given on the date personally delivered
or mailed.

                12.  Full Settlement and Legal Expenses. In no event shall
Executive be obligated to seek other employment or take any other action by way
of mitigation of the amounts payable to Executive under any of the provisions of
this Agreement. The prevailing party shall be entitled to recover all legal fees
and expenses which such party may reasonably incur as a result of any legal
proceeding relating to the validity, enforceability, or breach of, or liability
under, any provision of this Agreement or any guarantee of performance
(including as a result of any contest by Executive about the amount of any
payment pursuant to Section 6 of this

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<PAGE>

Agreement), plus in each case interest at the applicable Federal Rate provided
for in Section 7872(f)(2) of the Code.

                13.  Governing Law. This Agreement shall be interpreted and
enforced in accordance with the laws of the State of California, except that any
arbitration shall be governed by the Federal Arbitration Act.

                14.  Severability. Whenever possible, each provision of this
Agreement shall be interpreted in such manner as to be effective and valid, but
if any one or more of the provisions contained in this Agreement shall be
invalid, illegal or unenforceable in any respect for any reason, the validity,
legality and enforceability of any such provisions in every other respect and of
the remaining provisions of this Agreement shall not be in any way impaired.

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<PAGE>

          IN WITNESS WHEREOF, the undersigned have executed this Agreement as of
the day and year first above written.

                                     E*TRADE GROUP, INC.

                                      /s/ Christos M. Cotsakos
                                     ----------------------------------------
                                     By:  Christos M. Cotsakos
                                     Chairman & Chief Executive Officer

                                     EXECUTIVE

                                     /s/ Jerry Gramaglia
                                     ----------------------------------------
                                         Jerry Gramaglia

                                     Witnesseth:

                                     /s/ Theodore J. Theophilos
                                     ----------------------------------------
                                         Theodore J. Theophilos

                                     Page 9<PAGE>

                                                                   Exhibit 10.11
                                                                   -------------

This form of Note Secured by Stock Pledge Agreement is identical for all listed
executive officers except for the variables set forth below:

<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------------
                                                                         Date One
                                                            Number of    Year from       Due Date
Name of Officer          Principal Amount       Date        Shares       Date of Note    of Note
---------------------------------------------------------------------------------------------------
<S>                      <C>                    <C>         <C>          <C>             <C>
Christos M. Cotsakos       $14,370,100.97       5/24/2000   1,730,572      5/24/2001      6/24/2001
---------------------------------------------------------------------------------------------------
Jerry Gramaglia            $   923,625.21        6/2/2000     100,000       6/2/2001       7/2/2001
---------------------------------------------------------------------------------------------------
Michael Sievert            $    73,161.65        6/2/2000       7,000       6/2/2001       7/2/2001
---------------------------------------------------------------------------------------------------
Connie M. Dotson           $ 1,324,493.78       5/30/2000     157,064      5/30/2001      6/30/2001
---------------------------------------------------------------------------------------------------
Leonard C. Purkis          $ 1,835,048.96       5/30/2000     200,000      5/30/2001      6/30/2001
---------------------------------------------------------------------------------------------------
Pamela Kramer              $    80,337.86        6/2/2000       7,184       6/2/2001       7/2/2001
---------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

                              E*TRADE GROUP, INC.
                              -------------------

                    NOTE SECURED BY STOCK PLEDGE AGREEMENT
                    --------------------------------------

$[Principal Amount]                                                       [Date]
                                                          Menlo Park, California

          FOR VALUE RECEIVED, [Name of Officer] ("Maker") promises to pay to the
order of E*TRADE Group, Inc., a Delaware corporation (the "Corporation"), at its
corporate offices at 4500 Bohannon Drive, Menlo Park, California 94025, the
principal sum of [Principal Amount], together with all accrued interest thereon,
upon the terms and conditions specified below.

          1.   Purchase Money Indebtedness. The proceeds of this Note shall be
               ---------------------------
applied solely and exclusively to the payment of the purchase price of [Number
of Shares] shares of the Corporation's common stock acquired this day by Maker
(the "Purchased Shares"), and those Purchased Shares shall be held in pledge by
the Corporation as collateral for the payment of this Note.

          2.   Interest. Interest shall accrue on the unpaid balance outstanding
               --------
from time to time under this Note at the rate of 7.75% per annum, compounded
semi-annually. Accrued and unpaid interest as of [Date One Year from Date of
Note] shall become due and payable on [Date One Year from Date of Note].
Additional accrued but unpaid interest from the period [Date One Year from Date
of Note] through [Due Date of Note] shall become due and payable on [Due Date of
Note].

          3.   Principal Due Date. Subject to the accelerated payment provisions
               ------------------
of Paragraph 5 and 6 of this Note, the principal balance of this Note shall
become due and payable in one lump sum on [Due Date of Note].

          4.   Payment. Payment shall be made in lawful tender of the United
               -------
States and shall be applied first to the payment of all accrued and unpaid
interest and then to the payment of principal. Prepayment of the principal
balance of this Note, together with all accrued and unpaid interest on the
portion of principal so prepaid, may be made in whole or in part at any time
without penalty.

          5.   Events of Acceleration. The entire unpaid principal balance of
               ----------------------
this Note, together with all accrued and unpaid interest, shall become
immediately due and payable prior to the specified due date of this Note upon
the occurrence of one or more of the following events:

               A.   the failure of the Maker to pay any installment of principal
     or accrued interest under this Note when due and the continuation of such
     default for more than thirty (30) days; or
<PAGE>

               B.   the expiration of the thirty (30)-day period following the
     date the Maker ceases for any reason to remain in the employ of the
     Corporation; or

               C.   the insolvency of the Maker, the commission of any act of
     bankruptcy by the Maker, the execution by the Maker of a general assignment
     for the benefit of creditors, the filing by or against the Maker of any
     petition in bankruptcy or any petition for relief under the provisions of
     the Federal bankruptcy act or any other state or Federal law for the relief
     of debtors and the continuation of such petition without dismissal for a
     period of thirty (30) days or more, the appointment of a receiver or
     trustee to take possession of any property or assets of the Maker or the
     attachment of or execution against any property or assets of the Maker; or

               D.   an acquisition of the Company (whether by merger, sale of
     all or substantially all of the Company's assets or sale of more than fifty
     percent (50%) of the Company's outstanding voting securities) for
     consideration payable in cash or freely-tradable securities; provided,
                                                                  --------
     however, that if the Pooling of Interest Method, as described in Accounting
     Principles Board Opinion No. 16, is used to account for the acquisition for
     financial accounting purposes, then acceleration of this Note shall not
     occur until the end of the sixty (60)-day period immediately following the
     close of the applicable transfer restriction period required under
     Accounting Series Release Numbers 130 and 135; or

               E.   the occurrence of any event of default under the Stock
     Pledge Agreement securing this Note or any obligation secured thereby.

          6.   Special Acceleration Event. In the event the Maker sells or
               --------------------------
otherwise transfers for value one or more shares of the Corporation's common
stock purchased with the proceeds of this Note, then any unpaid portion of the
principal balance of this Note attributable to the purchase price of those
shares shall become immediately due and payable, together with all accrued and
unpaid interest on that principal portion.

          7.   Employment. The Maker shall be deemed to continue in employment
               ----------
with the Corporation for so long as he or she renders services as an employee of
the Corporation or one or more of the Corporation's fifty percent (50%) or more
owned (directly or indirectly) subsidiaries.

          8.   Security. Payment of this Note shall be secured by a pledge of
               --------
the Purchased Shares with the Corporation pursuant to the Stock Pledge Agreement
to be executed this date by the Maker. The Maker, however, shall remain
personally liable for payment of this Note, and assets of the Maker, in addition
to the collateral under the Stock Pledge Agreement, may be applied to the
satisfaction of the Maker's obligations hereunder.

          9.   Collection. If action is instituted to collect this Note, the
               ----------
Maker promises to pay all costs and expenses (including reasonable attorney
fees) incurred in connection with such action.
<PAGE>

          10.  Waiver. A waiver of any term of this Note, the Stock Pledge
               ------
Agreement or of any of the obligations secured thereby must be made in writing
and signed by a duly-authorized officer of the Corporation and any such waiver
shall be limited to its express terms.

          No delay by the Corporation in acting with respect to the terms of
this Note or the Stock Pledge Agreement shall constitute a waiver of any breach,
default, or failure of a condition under this Note, the Stock Pledge Agreement
or the obligations secured thereby.

          The Maker waives presentment, demand, notice of dishonor, notice of
default or delinquency, notice of acceleration, notice of protest and
nonpayment, notice of costs, expenses or losses and interest thereon, notice of
interest on interest and diligence in taking any action to collect any sums
owing under this Note or in proceeding against any of the rights or interests in
or to properties securing payment of this Note.

          11.  Conflicting Agreements. In the event of any inconsistencies
               ----------------------
between the terms of this Note and the terms of any other document related to
the loan evidenced by the Note, the terms of this Note shall prevail.

          12.  Governing Law. This Note shall be construed in accordance with
               -------------
the laws of the State of California without resort to that State's conflict-of-
laws rules.

                                        ____________________________________
                                        [Name of Officer], MAKER

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