Document:

EXHIBIT 10.20

SETTLEMENT AGREEMENT

          This
Settlement Agreement (the “Settlement Agreement”) is entered into as of October
12, 2010 by and between Berkshire Hills Bancorp, Inc., a Delaware corporation
(“BHB”), Berkshire Bank, a wholly-owned subsidiary of BHB, Rome Bancorp, Inc.
(“Rome”), a Delaware corporation, The Rome Savings Bank (the “Bank”), a
wholly-owned subsidiary of Rome, and David C. Nolan (the “Executive”). 

          WHEREAS, the Executive and Rome are parties
to an Amended and Restated Change of Control Agreement as of November 28, 2007
(the “Agreement”); and 

          WHEREAS, BHB and Rome have entered into an
Agreement and Plan of Merger, dated as of October 12, 2010 (the “Merger
Agreement”), pursuant to which Rome will be merged into BHB (the “Merger”); and

          WHEREAS, Section 7.6.7 of the Merger
Agreement provides that Rome, subject to BHB’s approval, shall enter into this
Settlement Agreement which shall terminate the Agreement as of the closing date
of the Merger (the “Closing Date”), and in lieu of any payment or benefits
under the Agreement, the Executive shall be entitled to the settlement benefits
set forth herein, and shall be required if requested by BHB to assist BHB in
the transition of the merged entities following the Closing Date for a period
not to exceed 90 days; and 

          WHEREAS, for purposes of Section 409A of
the Internal Revenue Code of 1986 (“Code”), the payments under Section 3(a) of
this Settlement Agreement shall be deemed to be payments in substitution of the
payments under the Agreement, within the meaning of Treasury Regulation
1.409A-3(f). 

          NOW, THEREFORE, in consideration of the
premises and the mutual covenants contained in this Settlement Agreement, BHB,
Rome, the Bank and the Executive hereby agree as follows: 

          Section 1. Term of the Settlement Agreement.

          The term of
the Settlement Agreement shall commence on the Closing Date and shall expire on
the earlier of: (i) the date of the Executive’s termination by BHB of
employment with BHB (or any affiliate or subsidiary of BHB) for any reason or
(ii) ninety (90) days after the Closing Date (the “Term”), at which time
Executive’s employment will terminate. 

          Section 2. Termination of the Agreement.

          The
Executive, BHB, Berkshire Bank, Rome, and the Bank hereby agree that the
Agreement shall be terminated without any further action of any parties hereto,
effective as of Closing Date. The Executive, in lieu of any payment or benefits
under the Agreement, shall be entitled to the settlement benefits set forth in
Section 3 hereof. 

          Section
3. Settlement Benefits.

          (a) Cash
Severance Payment. The parties hereto acknowledge that the Merger qualifies
as a “change of control” as defined under the Agreement. Upon the earlier of
(i) Executive’s termination by BHB, Berkshire Bank, Rome or the Bank (other
than for Cause, as defined herein), (ii) Executive’s termination for death or
Disability (as defined in Section 409A of the Code), (iii) Executive’s
resignation from BHB, Berkshire Bank, Rome or the Bank for Good Reason (as
defined herein), or (iv) the expiration of the Term, BHB, Berkshire Bank, Rome
or the Bank shall pay the Executive a cash lump sum payment equal to $408,018
(the “Cash Severance Payment”). For these purposes, Cause is defined as
personal dishonesty, 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 offenses) or a final cease and desist order. Also for these purposes,
the Executive cannot be terminated for Cause unless Charles M. Sprock, in his
sole discretion, makes a good faith determination that there are grounds
therefore. The Cash Severance Payment shall be payable to the Executive within
10 days following the expiration of the Term, and shall be subject to
applicable withholding taxes. Notwithstanding the above, however, if the date
of the expiration of the Term is also the effective date of the Executive’s
“separation from service” within the meaning of Section 409A of the Code
(“Separation Date”), or is within the six-month period immediately following
the Separation Date, and the Executive is a “specified employee” within the
meaning of Section 409A of the Code on the Separation Date, then BHB shall pay
the Cash Severance Payment to the Executive on the first day of the seventh
month following the Separation Date. Notwithstanding the foregoing, no Cash Severance
Payment shall be paid if the Executive voluntarily terminates employment at BHB
or Berkshire Bank during the Term other than for Good Reason (as defined
herein). For these purposes, Good Reason is defined as (x) relocation of
Executive’s principal place of employment to a city more than fifty (50) miles
from Rome, New York or (y) breach of this agreement by BHB or the Berkshire
Bank which is not cured within 30 days of delivery thereto of written notice of
such breach from the Executive. Notwithstanding anything herein to the
contrary, the Executive’s termination due to death or Disability (as defined in
Section 409A of the Code) shall not be considered “voluntary termination.” 

          (b) Additional
Compensation. In the event the Term extends beyond the Closing Date, the
Executive shall receive $10,462.00 biweekly, payable in accordance with
Berkshire Bank’s payroll practices (the “Additional Compensation”). The
Executive agrees that in consideration of the additional compensation set forth
herein, Executive agrees to waive any coverage or benefits under any plans of
Berkshire Bank and/or BHB during such period. BHB and Berkshire Bank
acknowledge and agree that (i) the Additional Compensation shall be payable for
up to ninety (90) days after the Closing Date, (ii) the Additional Compensation
shall cease upon the expiration of the Term, and (iii) upon expiration of the
Term, the Executive shall be entitled to the Cash Severance Payment. 

          (c) Rabbi
Trust. If the Cash Severance Payment is not paid on the Closing Date, the
Cash Severance Payment shall be deposited on the Closing Date into an
irrevocable grantor trust which meets the requirements of Internal Revenue
Service Revenue Procedure 92-65 (as 

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amended or superseded from time to time), the trustee of which shall be
selected by Charles M. Sprock or Charles M. Sprock may serve as trustee, and
the timing of the payment to the Executive under this Settlement Agreement
shall be determined by Charles M. Sprock, provided payment is made within ten
(10) days following expiration of the Term. The Cash Severance Payment shall be
adjusted for investment experience of the investments made with the assets of
such trust, as determined by the trustee without election by the Executive,
which investments shall consist of short-term investment-grade fixed-income
securities or units of interest in mutual funds or other pooled investment
vehicles designed to invest primarily in such securities. 

          Section
4. Waiver and Release. 

          (a) The
Executive hereby agrees that payment of the Cash Severance Payment and
Additional Compensation, if any, to the Executive will be in full satisfaction
of all obligations of BHB, Berkshire Bank, Rome, and the Bank to the Executive
under the Agreement and this Settlement Agreement. 

          (b) The
Executive, on behalf of himself, his heirs and assigns, irrevocably and
unconditionally releases BHB, Berkshire Bank, Rome and the Bank (which, for
purpose of this Section 4 shall be defined to include all of BHB’s, Rome’s, and
the Bank’s related and affiliated entities, their predecessors, successors,
heirs or assigns, and any past, present or future officers, board of director
members, agents, attorneys, and employees) from all claims, controversies,
liabilities, demands, causes of action, debts, obligations, promises, acts,
agreements, and damages of whatever kind or nature, whether known or unknown,
suspected or unsuspected, foreseen or unforeseen, liquidated or contingent,
actual or potential, jointly and individually, that the Executive has had or
now has, based upon and/or arising out of the Agreement or the employment with
BHB and Berkshire Bank, if any. Notwithstanding the above, it is understood
that the Executive does not waive any rights that the Executive may have to
vested benefits under any tax-qualified retirement, restricted stock or stock
option awards. 

          (c) The
Executive waives the rights and claims to the extent set forth above, and the
Executive also agrees not to institute, or have instituted, a lawsuit against
BHB, Berkshire Bank, Rome, and/or the Bank based on any such waived claims or
rights. 

          (d) BHB,
Berkshire Bank, Rome, the Bank (the “Parties”) and the Executive each agree
that the Parties and the Executive shall not at any time, either before or
after the Closing Date, make or cause to be made any derogatory or disparaging
statement to anyone about the other party, or the Parties’ products, services,
financial condition or proposals or about any of the directors, officers or
employees of the Parties or regarding the Executive’s employment. 

          Section
5. Miscellaneous.

          (a) Successors.
The terms of this Settlement Agreement shall be binding upon all parties hereto
and their respective heirs, successors, and assigns. 

          (b) Final
Agreement. This Settlement Agreement represents the entire understanding of
the parties with respect to the subject matter hereof and supersedes all prior
understandings, written or oral. The terms of this Settlement Agreement may be
changed, modified or 

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discharged only by an instrument in writing signed by the parties
hereto. The Executive acknowledges that the Executive has carefully read the
foregoing, has had sufficient opportunity to review the Settlement Agreement
with legal counsel of the Executive’s own choosing, knows and understands this
Settlement Agreement contents, and freely and independently signs this
Settlement Agreement. No inducements, representations, or agreements have been
made or relied upon to make this Settlement Agreement except as stated in this
Settlement Agreement. 

          (c) Governing
Law. The validity, interpretation, construction and performance of this
Settlement Agreement shall be governed by the laws of the Commonwealth of
Massachusetts without regard to principles of conflicts of laws thereof. 

          (d) Statutory
Changes. All references to sections of the Code shall be deemed also to
refer to any successor provisions to such sections. 

          (e) Validity.
The invalidity or unenforceability of any provision of this Settlement
Agreement shall not affect the validity or enforceability of any other
provision of this Settlement Agreement, which shall remain in full force and
effect. 

          (f) No
Assignment of Benefits. Except as otherwise provided herein or by law, no
right or interest of the Executive under the Settlement Agreement shall be
assignable or transferable, in whole or in part, either directly or by
operation of law or otherwise. 

          (g) Counterparts.
This Settlement Agreement may be signed in counterparts, and all of the
counterpart copies shall be treated as a single agreement. 

          Section
6. Effectiveness. 

          Notwithstanding
anything to the contrary contained herein, this Settlement Agreement shall be
effective as of the Closing Date. In the event the Merger Agreement is
terminated for any reason, this Settlement Agreement shall be deemed null and
void. 

 [Signature Page to Follow]

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          IN WITNESS WHEREOF, the parties hereto have
duly executed this Settlement Agreement as of the day and year first written
above. 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 EXECUTIVE

 
	
  

 	
  

 	
  

 
	
  

 	
  /s/ David C.
 Nolan
 	
  

 
	
  

 	

 

 	
  

 
	
  

 	
 David C.
 Nolan

 	
  

 
	
  

 	
  

 	
  

 
	
  

 	
 BERKSHIRE HILLS BANCORP, INC.

 
	
  

 	
  

 	
  

 
	
  

 	
 By:

 	
  /s/ Michael
 P. Daly
 	
  

 
	
  

 	
  

 	

 

 	
  

 
	
  

 	
  

 	
 Michael P. Daly

 
	
  

 	
  

 	
 President and Chief Executive Officer

 
	
  

 	
  

 	
  

 
	
  

 	
 BERKSHIRE BANK

 
	
  

 	
  

 	
  

 
	
  

 	
 By:

 	
  /s/ Michael
 P. Daly
 	
  

 
	
  

 	
  

 	

 

 	
  

 
	
  

 	
  

 	
 Michael P. Daly

 
	
  

 	
  

 	
 President and Chief Executive Officer

 
	
  

 	
  

 	
  

 
	
  

 	
 ROME BANCORP, INC.

 
	
  

 	
  

 	
  

 
	
  

 	
 By:

 	
  /s/ Charles
 M. Sprock
 	
  

 
	
  

 	
  

 	

 

 	
  

 
	
  

 	
  

 	
 Charles M. Sprock

 
	
  

 	
  

 	
 Chairman, President and Chief Executive

 
	
  

 	
  

 	
 Officer

 
	
  

 	
  

 	
  

 
	
  

 	
 THE ROME SAVINGS BANK

 
	
  

 	
  

 	
  

 
	
  

 	
 By:

 	
  /s/ Charles
 M. Sprock
 	
  

 
	
  

 	
  

 	

 

 	
  

 
	
  

 	
  

 	
 Charles M. Sprock

 
	
  

 	
  

 	
 Chairman, President and Chief Executive

 
	
  

 	
  

 	
 Officer

 

5EXHIBIT 10.21

NON-COMPETITION AND CONSULTING AGREEMENT

          THIS
NON-COMPETITION AND CONSULTING AGREEMENT (the “Agreement”) is made as of the
12th day of October, 2010, between Berkshire Hills Bancorp, Inc. (“BHB”), a
Delaware corporation, Berkshire Bank (“Berkshire Bank”), a Massachusetts
savings bank and wholly owned subsidiary of BHB and Charles M. Sprock
(“Consultant”), an individual residing in New York. 

          WHEREAS, Rome Bancorp, Inc. (“Rome”) is a
Delaware corporation with its principal office located in Rome, New York, and
is the holding company for The Rome Savings Bank; 

          WHEREAS, BHB and Rome entered into an
Agreement and Plan of Merger dated October 12th, 2010 (“Merger Agreement”),
wherein Rome will merge with and into BHB; 

          WHEREAS, Consultant is the President and
Chief Executive Officer of Rome and The Rome Savings Bank; 

          WHEREAS, Consultant’s executive position
will be terminated as of the Effective Time and such termination will
constitute a “separation from service” within the meaning of Section 409A of
the Internal Revenue Code (“Code”); 

          WHEREAS, BHB and Berkshire Bank desire to
assure itself of the continued availability of the Consultant’s services as
provided in this Agreement; 

          WHEREAS, the Consultant is willing to serve
BHB and Berkshire Bank on the terms and conditions hereinafter set forth; 

          NOW THEREFORE, in consideration of the
mutual agreements herein contained, and upon the other terms and conditions hereinafter
provided, BHB, Berkshire Bank and the Consultant agree as follows: 

	
  

 	
  

 
	
 1.

 	
 Consultant Relationship. BHB and Berkshire
 Bank hereby engage Consultant and Consultant hereby agrees to serve BHB and
 Berkshire Bank, under the terms and conditions set forth in this Agreement.
 Consultant hereby acknowledges and recognizes that at all times he will be
 classified as an independent contractor. 

 
	
  

 	
  

 
	
 2 .

 	
 Duties of Consultant. Consultant shall
 provide consulting services as a liaison for BHB and Berkshire Bank to The
 Rome Savings Bank Foundation (“Foundation”) and, in that capacity, take such
 actions as may reasonably be requested by BHB and Berkshire Bank with respect
 to the Foundation. Consultant shall provide services and be available for an
 amount of time not to 

 

	
  

 	
  

 
	
  

 	
 exceed 20 percent of the average level of bona fide services
 performed over the 36-month period immediately preceding the Effective Time,
 and such services may be rendered by telephonic or electronic means. 

 
	
  

 	
  

 
	
 3.

 	
 Term of Agreement.
 This Agreement shall commence on the Effective Time (as defined in the Merger
 Agreement) and the consulting duties provided in Sections 1 and 2 of this
 Agreement shall expire six (6) months later (“Consulting Term”); however, the
 non-competition and non-solicitation provisions in Section 6 of this
 Agreement shall expire eighteen (18) months following the Effective Time
 (“Non-Compete Term”). 

 
	
  

 	
  

 
	
 4.

 	
 Compensation. Berkshire
 Bank shall pay Consultant $225,000 (“Consideration”) for his services as a
 Consultant under this Agreement and for Consultant’s agreement not to compete
 under Section 6 hereof, payable in monthly installments over the Consulting
 Term pursuant to Berkshire Bank’s customary payroll practices for
 non-employee service providers. In the event that Consultant dies or becomes
 disabled (within the meaning of section 409A of the Code), Berkshire Bank
 shall continue to pay Consultant, or his estate, the Consideration in monthly
 installments as described above. Notwithstanding anything in this section 4
 to the contrary, each installment of the Consideration shall be paid before
 March 15 of the year immediately following the earlier of (a) the year in
 which the corresponding portion of the Consulting Term ended, or (b) the year
 in which the Consultant dies or becomes disabled (within the meaning of
 section 409A of the Code). 

 
	
  

 	
  

 
	
 5.

 	
 Unauthorized Disclosure.
 During the Consulting Term, or at any later time, the Consultant shall not,
 without the written consent of the President and Chief Executive Officer of
 BHB or a person authorized thereby, knowingly disclose to any person, other
 than an employee of BHB and Berkshire Bank or a person to whom disclosure is
 reasonably necessary or appropriate in connection with the performance by the
 Consultant of his duties, any material confidential information obtained by
 him while performing services for BHB and Berkshire Bank with respect to any
 of BHB and Berkshire Bank’s services, products, improvements, formulas,
 designs or styles, processes, customers, methods of business or any business
 practices the disclosure of which could be or will be damaging to BHB and
 Berkshire Bank; provided, however, that confidential information shall not
 include any information known generally to the public (other than as a result
 of unauthorized disclosure by the Consultant or any person with the
 assistance, consent or direction of the Consultant) or any information of a
 type not otherwise considered confidential by persons engaged in the same
 business or a business similar to that conducted by BHB and Berkshire Bank or
 any information that must be disclosed as required by law. 

 
	
  

 	
  

 
	
 6.

 	
 Covenant Not to Compete. 

 

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 (a)

 	
 Consultant hereby acknowledges and recognizes the highly competitive
 nature of the business of BHB and Berkshire Bank and, accordingly, agrees
 that during the Non-Compete Term, Consultant shall not, except as otherwise
 permitted in writing by BHB and Berkshire Bank: 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (i) solicit, offer employment to, or take any other action intended
 (or that a reasonable person acting in like circumstances would expect) to
 have the effect of causing any officer or employee of BHB and Berkshire Bank,
 or any of their respective subsidiaries or affiliates, to terminate his or
 her employment and accept employment or become affiliated with, or provide
 services for compensation in any capacity whatsoever to, any firm,
 corporation, entity or enterprise that competes with the business of BHB and
 Berkshire Bank, or any of their direct or indirect subsidiaries or
 affiliates, and has offices within twenty-five miles (25) miles of any office
 of BHB and Berkshire Bank or any of their direct or indirect subsidiaries or
 affiliates (“Competitor”); 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (ii) serve as a consultant, director, independent contractor,
 employee or provide financial or other assistance to any Competitor; or 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (iii) directly or indirectly solicit persons or entities who were
 customers, clients, or referral sources of BHB and Berkshire Bank, or their
 subsidiaries to become a customer, client, or referral source of any
 Competitor. 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 If Consultant violates any provision of contained in Section 6 of
 this Agreement, the Consultant acknowledges and agrees that: (i) any
 compensation not yet paid pursuant to this Agreement shall be forfeited and
 any compensation received by the Consultant under this Agreement shall be
 returned to BHB and Berkshire Bank, and (ii) BHB and Berkshire Bank will be
 entitled to seek an injunction restraining Consultant from competing or
 disclosing, in whole or in part, the knowledge of the past, present, planned
 or considered business activities of BHB and Berkshire Bank. Nothing herein
 will be construed as prohibiting BHB and Berkshire Bank from pursuing any
 other remedies available to BHB and Berkshire Bank for such breach or
 threatened breach, including the recovery of damages from Consultant. 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 It is expressly understood and agreed that, although Consultant and
 BHB and Berkshire Bank consider the restrictions contained in Section 6(a)
 hereof reasonable for the purpose of preserving for BHB and Berkshire Bank
 and their subsidiaries their good will and other proprietary rights, if a
 final judicial determination is made by a court having jurisdiction that the
 time or territory or any other restriction contained in Section 6(a) hereof
 is an unreasonable or otherwise unenforceable restriction against

 

3

	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Consultant, the provisions of Section 6(a) hereof shall not be
 rendered void but shall be deemed amended to apply as to such maximum time
 and territory and to such other extent as such court may judicially determine
 or indicate to be reasonable. 

 
	
  

 	
  

 	
  

 
	
  

 	
 (d)

 	
 The provisions of this Section 6 shall be applicable, commencing on
 the date of this Agreement and ending on the first anniversary of the
 Effective Time. 

 
	
  

 	
  

 	
  

 
	
  

 	
 (e)

 	
 The provisions of this Section 6 shall survive the termination of the
 Consulting Agreement, regardless of the reason for termination. 

 

	
  

 	
  

 
	
 7.

 	
 Work Made for Hire.
 Any work performed by the Consultant under this Agreement should be
 considered a “Work Made for Hire” as the phrase is defined by the U.S. patent
 laws and shall be owned by and for the express benefit of BHB and Berkshire
 Bank and their subsidiaries and affiliates. In the event it should be
 established that such work does not qualify as a Work Made for Hire,
 Consultant agrees to and does hereby assign to BHB and Berkshire Bank and
 their affiliates and subsidiaries, all of his rights, title, and/or interest
 in such work product, including, but not limited to, all copyrights, patents,
 trademarks, and propriety rights. 

 
	
  

 	
  

 
	
 8.

 	
 Return of Company Property and Documents.
 Consultant agrees that, at the time of termination of this Agreement,
 regardless of the reason for termination, he will deliver to BHB and
 Berkshire Bank and their subsidiaries and affiliates, any and all company
 property, including, but not limited to, keys, security codes or passes,
 mobile telephones, records, data, notes, reports, proposals, lists,
 correspondence, specifications, drawings, blueprints, sketches, software
 programs, equipment, other documents or property, or reproductions of any of
 the aforementioned items developed or obtained by the Consultant during the
 course of this Agreement. 

 
	
  

 	
  

 
	
 9.

 	
 Notices.
 Except as otherwise provided in this Agreement, any notice required or
 permitted to be given under this Agreement shall be deemed properly given if
 in writing and if mailed by registered or certified mail, postage prepaid
 with return receipt requested, to Consultant’s residence, in the case of
 notices to Consultant, and to the principal executive offices of BHB and
 Berkshire Bank, in the case of notices to BHB and Berkshire Bank. 

 
	
  

 	
  

 
	
 10.

 	
 Waiver. No
 provision of this Agreement may be modified, waived or discharged unless such
 waiver, modification or discharge is agreed to in writing and signed by
 Consultant and the President and Chief Executive Officer of BHB. No waiver by
 either party hereto at any time of any breach by the other party hereto of,
 or compliance with, any condition or provision of this Agreement to be
 performed by such other party shall be deemed a waiver of similar or
 dissimilar provisions or conditions at the same or at any prior or subsequent
 time.

 

4

	
  

 	
  

 
	
 11.

 	
 Assignment.
 This Agreement shall not be assignable by any party, except by BHB and
 Berkshire Bank to any successor in interest to their respective businesses.

 
	
  

 	
  

 
	
 12.

 	
 Entire Agreement.
 This Agreement supersedes any and all agreements, either oral or in writing,
 between the parties regarding Consultant’s consulting services and contains
 all the covenants and agreements between the parties with respect to the
 consulting arrangement. 

 
	
  

 	
  

 
	
 13.

 	
 Validity. The
 invalidity or unenforceability of any provision of this Agreement shall not
 affect the validity or enforceability of any other provision of this
 Agreement, which shall remain in full force and effect. 

 
	
  

 	
  

 
	
 14.

 	
 Applicable Law.
 This Agreement shall be governed by and construed in accordance with the
 domestic, internal laws of the Commonwealth of Massachusetts, without regard
 to its conflicts of laws principles. 

 
	
  

 	
  

 
	
 15.

 	
 Headings. The
 section headings of this Agreement are for convenience only and shall not
 control or affect the meaning or construction or limit the scope or intent of
 any of the provisions of this Agreement. 

 

 [Signature Page to Follow]

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          IN WITNESS WHEREOF, the parties have
executed this Agreement as of the date first above written. 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 BERKSHIRE HILLS BANCORP, INC.

 
	
  

 	
  

 	
  

 
	
  

 	
 By: 

 	
  /s/ Michael
 P. Daly
 	
  

 
	
  

 	
  

 	

 

 	
  

 
	
  

 	
  

 	
 Michael P.
 Daly

 
	
  

 	
  

 	
 President
 and Chief Executive Officer

 
	
  

 	
  

 	
  

 
	
  

 	
 BERKSHIRE BANK

 
	
  

 	
  

 	
  

 
	
  

 	
 By:

 	
  /s/ Michael
 P. Daly
 	
  

 
	
  

 	
  

 	

 

 	
  

 
	
  

 	
  

 	
 Michael P.
 Daly

 
	
  

 	
  

 	
 President
 and Chief Executive Officer

 
	
  

 	
  

 	
  

 
	
  

 	
 CONSULTANT

 
	
  

 	
  

 	
  

 
	
  

 	
 /s/  Charles
 M. Sprock
 	
  

 
	
  

 	

 

 	
  

 
	
  

 	
       Charles M.
 Sprock

 

6

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