Document:

Ex 10.7(i)

Exhibit 10.7(i)
CLEARWATER PAPER CORPORATION
RESTRICTED STOCK UNIT AGREEMENT
2008 STOCK INCENTIVE PLAN
THIS RESTRICTED STOCK UNIT AGREEMENT (this “Agreement”) is made and entered into on the Grant Date specified in the attached Addendum to this Agreement, by and between Clearwater Paper Corporation, a Delaware corporation (the “Corporation”), and the Employee named in the attached Addendum (the “Employee”).  
W I T N E S S E T H:
WHEREAS, the Corporation maintains the Clearwater Paper Corporation 2008 Stock Incentive Plan (the “Plan”), which is incorporated into and forms a part of this Agreement, and the Employee has been selected to receive a grant of Restricted Stock Units under Section 10 of the Plan;
NOW, THEREFORE, for valuable consideration, the parties agree as follows:
1.Definitions.  In addition to the terms defined elsewhere in this Agreement, the following terms used in this Agreement shall have the meanings set forth in this Section 1.  Capitalized terms not defined in this Agreement shall have the same definitions as in the Plan.
(a)    “Addendum” means the attached Addendum.
(b)    “Cause” means the occurrence of any one or more of the following: (i) the Employee’s conviction of any felony or any crime involving fraud, dishonesty or moral turpitude; (ii) the Employee’s participation in a fraud or act of dishonesty against the Corporation, its Subsidiaries or Affiliates or any successor to the Corporation that results in material harm to the business of the Corporation, its Subsidiaries or Affiliates or any successor to the Corporation; (iii) the Employee’s intentional, material violation of any contract between the Corporation, its Subsidiaries or Affiliates or any successor to the Corporation and the Employee, or any statutory duty the Employee owes the Corporation, its Affiliates or any successor to the Corporation, in either case that the Employee does not correct within 30 days after written notice thereof has been provided to the Employee, (iv) the commission of an act by the Employee that could (either alone or with other acts) be considered harassment or discrimination on the basis of gender, race, age, religion, sexual orientation or other protected category; or (v) the commission by the Employee of an alcohol or drug offense in violation of the Corporation’s, or a Subsidiary’s or an Affiliate’s Substance Abuse Policy for salaried employees.
(c)    “Disability” means the condition of the Employee who is unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or which has lasted or can be expected to last for a continuous period of at least 12 months.
(d)    “Double Trigger Event” means the Employee’s Service with the Corporation or a Subsidiary or an Affiliate is involuntarily terminated without Cause or voluntarily terminated for Good Reason within one month prior to or 24 months following the effective date of a Change of Control.
(e)    “Good Reason” means that one or more of the following are undertaken by the Corporation, its Subsidiaries or Affiliates or any successor to the Corporation without the Employee’s written consent:  (i) the assignment to the Employee of any duties or responsibilities that results in a material diminution in the Employee’s position or function as in effect immediately prior to the effective date of a Change of Control; provided, however, that a change in the Employee’s title or reporting relationships shall not provide the basis for a voluntary termination with Good Reason; (ii) a reduction, without the Employee’s written consent, by the Corporation, its Subsidiaries or Affiliates or any successor to the Corporation in the Employee’s annual base salary, as in effect on the effective date of the Change of Control or as increased thereafter; (iii) any failure by the Corporation, its Subsidiaries or Affiliates or any successor to the Corporation to continue in effect (or substantially replace in the aggregate) any material benefit plan or program 

in which the Employee was participating immediately prior to the effective date of the Change of Control (hereinafter referred to as “Benefit Plans”), or the taking of any action by the Corporation, its Subsidiaries or Affiliates or any successor to the Corporation that would adversely affect the Employee’s participation in or reduce the Employee’s benefits under the Benefit Plan; provided, however, that no voluntary termination of Service with Good Reason shall be deemed to have occurred if the Corporation, its Subsidiaries or Affiliates or any successor to the Corporation provide for the Employee’s participation in benefit plans and programs that, taken as a whole, are comparable to the Benefit Plans; (iv) a relocation of the Employee’s business office to a location more than 50 miles from the location at which the Employee performs duties as of the effective date of the Change of Control, except for required travel by the Employee on the Corporation’s, its Subsidiaries’ or Affiliates’ or any successor to the Corporation’s business to an extent substantially consistent with the Employee’s business travel obligations prior to the effective date of the Change of Control; or (v) a material breach by the Corporation, its Subsidiaries or Affiliates or any successor to the Corporation concerning the terms and conditions of the Employee’s employment.
(f)    “Grant Date” means the effective date of the Award of the Restricted Stock Units to the Employee, as specified in the Addendum.
(g)    “Retirement” means (i) the Employee’s early or normal retirement and commencement of benefit payments under the Retirement Plan, or (ii) if the Employee does not have an accrued benefit under the Retirement Plan, the Employee’s termination of Service on or after the earlier of his or her (A) attainment of age 65 or (B) attainment of age 55 and completion of 10 years of Service.
(h)    “Retirement Plan” means the Clearwater Paper Salaried Retirement Plan.
(i)    “Service” shall have the meaning given such term under the Plan, except that as used in this Agreement the term “Service” shall be limited to employment and shall exclude service performed as an Outside Director or as a Consultant. 
(j)    “Vesting Period” means the period specified in the Addendum.
2.Award.  Subject to the terms of this Agreement and the Addendum, the Employee is hereby awarded a grant of Restricted Stock Units in the number set forth in the attached Addendum (the “Award”).  Except as otherwise set forth herein, the number of Shares actually payable to the Employee is contingent on the Employee’s continuous Service for the duration of the Vesting Period.  This Award has been granted pursuant to the Plan and is subject to all the terms and provisions thereof, a copy of which is attached and the terms and conditions of which are incorporated by reference into this Agreement.
3.Dividend Equivalents.  During the Vesting Period, dividend equivalents shall be converted into additional Restricted Stock Units based on the closing price of the Stock on the New York Stock Exchange on the dividend payment date.  Such additional Restricted Stock Units shall vest or be forfeited in the same manner as the underlying Restricted Stock Units to which they relate.
4.Settlement of Awards.  Pursuant to Section 5 of this Agreement, the Corporation shall deliver to the Employee one Share for each vested Restricted Stock Unit included in the Award and, as applicable, one share for each vested Restricted Stock Unit that corresponds to an accrued dividend equivalent.  Any vested Restricted Stock Units payable to the Employee (including Shares payable pursuant to Section 3 above) shall be paid solely in Shares.  Any fractional Share will be rounded to the closest whole Share.  
5.Time of Payment.  Except for Shares issuable pursuant to Section 8, the Shares issuable for the vested Restricted Stock Units shall be delivered to the Employee (or, in the case of the Employee’s death, to the Employee’s beneficiary or representative) as soon as practicable after the end of the Vesting Period (but in no event late than the 15th day of the third calendar month following the date on which the Vesting Period ends).    With respect to Shares issuable in connection with Restricted Stock Units that become vested pursuant to Section 8, such Shares shall be delivered to the Employee as soon as practicable after (but no later than 60 days after) the date on which the Double Trigger Event occurs; provided however, that if the Employee’s Service with the Corporation, a Subsidiary or an Affiliate 

2

is involuntarily terminated without Cause or voluntarily terminated for Good Reason on or prior to the date of the Change of Control to which the Double Trigger Event relates, then such Shares shall be delivered immediately prior to the consummation of such Change of Control.
6.Retirement, Disability, or Death During the Vesting Period.  If the Employee’s Service with the Corporation or a Subsidiary or an Affiliate terminates during the Vesting Period because of the Employee’s Retirement, due to his or her Disability or due to his or her death, the Employee (or, in the case of the Employee’s death, the Employee’s beneficiary or representative) will be entitled to any already vested portion of the Restricted Stock Units plus the next tranche of Restricted Stock Units scheduled to vest. 
7.Termination of Service During the Vesting Period.  If the Employee’s Service terminates during the Vesting Period for any reason other than as described in Section 6 or Section 8, the portion of unvested Restricted Stock Units granted under this Agreement shall be automatically terminated as of the date of such termination of Service.
8.Change of Control.  If a Double Trigger Event occurs during the Vesting Period, the Restricted Stock Units shall become immediately vested in full and payable in accordance with Section 4 above.
9.Available Shares.  The Corporation agrees that it will at all times during the term of this Agreement reserve and keep available sufficient authorized but unissued or reacquired Shares to satisfy the requirements of this Agreement.
10.Applicable Taxes.  In the event the Corporation determines that it is required to withhold state or federal income taxes, Social Security taxes, or any other applicable taxes as a result of the payment of the Shares, the Corporation will satisfy such withholding requirements by withholding of Shares otherwise payable upon the settlement of the Award, which Shares will have a Fair Market Value (determined as of the date when taxes would otherwise be withheld in cash) not in excess of the legally required minimum amount of tax withholding.
11.Relationship to Other Benefits.  Restricted Stock Units shall not be taken into account in determining any benefits under any pension, savings, disability, severance, group insurance or any other pay-related plan of the Corporation or its Subsidiaries or Affiliates.  
12.Required Deferral.  In the event that, as of the end of the Vesting Period, the value of the Shares issuable for the vested Restricted Stock Units exceeds the amount that would be deductible by the Corporation due to the application of Section 162(m) of the Code, the payment of that portion of such Shares having a value in excess of the amount deductible by the Corporation under Section 162(m) of the Code shall be automatically deferred until the first calendar year in which the Corporation reasonably anticipates that deduction of the payment will not be barred by application of Section 162(m) of the Code.  Any portion of such Shares so deferred shall be credited with dividend equivalents which shall be paid out as additional Shares at the same time as the underlying Shares with respect to which the dividend equivalents are credited.  
13.Stockholder Rights.  Neither the Employee nor the Employee’s beneficiary or representative shall have any rights as a stockholder with respect to any Shares subject to this Agreement until such Shares shall have been issued to the Employee or the Employee’s beneficiary or representative.  
14.Transfers, Assignments, Pledges.  Except as otherwise provided in this Agreement, the rights and privileges conferred by this Agreement shall not be transferred, assigned, pledged or hypothecated in any way (whether by operation of law or otherwise) and shall not be subject to sale under execution, attachment or similar process.  Upon any attempt to transfer, assign, pledge, hypothecate or otherwise dispose of the Award, or of any right or privilege conferred by this Agreement, contrary to the provisions of this Section 14, or upon any attempted sale under any execution, attachment or similar process upon the rights and privileges conferred by this Agreement, the Award and the rights and privileges conferred by this Agreement shall immediately become null and void.  However, this Section 14 shall not preclude:  (i) an Employee from designating a beneficiary to succeed, after the Employee’s death, to any rights of the Employee or benefits distributable to the Employee under this Agreement not distributed at the time of the Employee’s death; or (ii) a transfer of any Award hereunder by will or the laws of descent or distribution.  In that 

3

regard, any such rights shall be exercisable by the Employee’s beneficiary, and such benefits shall be distributed to the beneficiary, in accordance with the provisions of this Agreement and the Plan.  The beneficiary shall be the named beneficiary or beneficiaries designated by the Employee in writing filed with the Corporation in such form and at such time as the Corporation shall require.  If a deceased Employee has not designated a beneficiary, or if the designated beneficiary does not survive the Employee, any benefits distributable to the Employee shall be distributed to the legal representative of the estate of the Employee.  If a deceased Employee has designated a beneficiary and the designated beneficiary survives the Employee but dies before the complete distribution of benefits to the designated beneficiary under this Agreement, then any benefits distributable to the designated beneficiary shall be distributed to the legal representative of the estate of the designated beneficiary.
15.No Employment Rights.  Nothing in this Agreement shall be construed as giving the Employee the right to be retained as an employee or as impairing the rights of the Corporation or a Subsidiary or an Affiliate to terminate his or her employment at any time, with or without cause.  
16.Administration.  The authority to manage and control the operation and administration of this Agreement shall be vested in the Committee, and the Committee shall have all powers with respect to this Agreement as it has with respect to the Plan.  Any interpretation of this Agreement by the Committee and any decision made by it with respect to this Agreement is final and binding.
17.Interpretation/Applicable Law.  This Agreement shall be interpreted and construed in a manner consistent with the terms of the Plan and in accordance with the laws of the State of Delaware (without regard to choice of law principles).  If there is any discrepancy between the terms and conditions of this Agreement and the terms and conditions of the Plan, the terms and conditions of the Plan shall control.
18.Term of the Agreement.  The term of this Agreement shall end upon the earlier of (i) the delivery of all of the Shares or other consideration to be issued in exchange for the Restricted Stock Units (and accrued dividend equivalents) subject to the Award granted to the Employee or (ii) upon the termination of the Employee’s Service for any reason other than retirement under the Retirement Plan, the Employee’s Disability or death or in connection with a Double Trigger Event.
19.Compliance with Section 409A of the Code.  The provisions of this Agreement regarding the payments to be provided to the Employee are intended to comply with Section 409A of the Code or an exemption therefrom, and any ambiguity in any such provision shall be resolved in a manner that supports compliance with Section 409A or an exemption therefrom.  Without limiting the foregoing, 
		
	a.
	The provisions of Sections 5 and 8 requiring payment after a Double Trigger Event or otherwise upon an Employee’s termination of Service shall be construed to require that the Employee “separate from service” with Clearwater and its Affiliates within the meaning of Treasury Regulation Section 1.409A-1(h) as a condition to the Employee receiving such payment. 

		
	b.
	If the Employee is entitled to receive a payment subject to Section 409A of the Code after a Double Trigger Event or otherwise upon a termination of Service, and the Corporation determines in good faith that the Employee is a “specified employee” as defined in Section 409A as of the date his Service terminates, then such payment shall be deferred and paid 6 months and 1 day following the date of the Employee’s termination of Service (or if earlier, payment shall be made within 60 days after the date of the Employee’s death).  

		
	c.
	Any deferrals of payment required under Section 12 are intended to comply with Section 409A of the Code.

20.Employment Agreement.  Notwithstanding anything to the contrary in this Agreement or the Addendum to this Agreement, in the event of any difference between the terms of this Agreement or the Addendum and that certain employment agreement entered into between Employee and the Company dated effective as of January 1, 2013 (the "Employment Agreement"), the terms of the Employment Agreement shall govern.

4

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5

IN WITNESS WHEREOF, each party has or has caused this Agreement to be executed as of the respective date set forth below.

CORPORATION:

Clearwater Paper Corporation,
a Delaware corporation

By:    /s/ Michael S. Gadd                
Name:    Michael S. Gadd                
Title:    SVP, General Counsel            
Date:    1/3/13                        

EMPLOYEE:

/s/ Linda K. Massman                    
Linda K. Massman

Date:    1/28/13                    

6

STOCK INCENTIVE PLAN
ADDENDUM TO 
RESTRICTED STOCK UNIT AGREEMENT

Name of Employee:  Linda K. Massman

		
	1.
	Date of Grant:  January 1, 2013

		
	2.
	Number of Restricted Stock Units: 35,587

		
	3.
	The Vesting Schedule for this Restricted Stock Unit Award is:

The Vesting Period of this Restricted Stock Unit Award will end and the Award will fully vest on December 31, 2015, except as provided below.

This Addendum is incorporated by reference into the Restricted Stock Unit Agreement to which it is appended.

For purposes of Section 6 of the Restricted Stock Unit Agreement, vesting to the “next tranche of Restricted Stock Units scheduled to vest” shall mean that this Restricted Stock Unit Award shall become vested in the event of Employee’s death, Disability or Retirement (occurring prior to December 31, 2015) in an amount equal to the fraction the numerator of which is the sum of number of days Employee was employed from January 1, 2013 until the date of such Service termination date plus the number of days until the first succeeding December 31 thereafter and the denominator of which is 1,826. 

Employee and the Company entered into that certain employment agreement dated effective as of January 1, 2013 (the "Employment Agreement"). The terms of the Restricted Stock Unit Agreement to the contrary notwithstanding, Section 8(a)(iv) and Section 8(b)(iv) of the Employment Agreement shall apply upon a termination of Employee’s employment covered thereunder.  For such purpose, “Cause” and “Good Reason” shall have the respective meanings set forth in the Employment Agreement.

In the event of any difference between the terms of the Restricted Stock Unit Agreement (including this Addendum) and the terms of the Employment Agreement, the terms of the Employment Agreement shall govern.

This RSU Award, along with all additional shares attributable to dividend equivalents, shall be settled following the final vesting date unless Employee elects to defer receipt of the vested RSUs and accrued dividends to a future date in accordance with section 409A of the Internal Revenue Code or as otherwise provided in the Restricted Stock Unit Agreement. 

IN WITNESS WHEREOF, the Corporation has caused this Addendum to the Restricted Stock Unit Agreement to be executed on its behalf by its duly authorized representative, and the Employee has executed the same on the date indicated below.

CLEARWATER PAPER CORPORATION

7

Date:    1/3/13                    By:      /s/ Michael S. Gadd                                             Senior Vice President, General Counsel

		
	Date:
	1/28/13                       By:      /s/ Linda K. Massman                                         Employee

8Exhibit 10.28

Exhibit 10.28

2012 Executive Compensation Program
Approved by CapitalSource Board of Directors February 15, 2012
This compensation program for Executive Officers (comprising the CEOs of the Bank and Parent, the Chief Financial Officer of the Parent and Bank, and each of the Chief Administrative Officer, Chief Lending Officer, and Chief Credit Officer of the Bank) is designed to reflect a comprehensive view of company performance.  The Program combines the Primary Financial Goals identified below with the discretion of the Compensation Committee of the Board of Directors (the “Committee”) to determine executive compensation.  The Program will be adjusted on an annual basis, and compensation will be paid based on the achievement of certain factors.
Primary Financial Goals:
		
	1.
	Achieve pre-tax net income for 2012 for CapitalSource Bank of $196 million.

		
	2.
	Achieve consolidated pre-tax income of $159 million.

		
	3.
	Fund loan1 originations and purchases during 2012 of $2.2 billion having a weighted average risk rating at the date of origination of less than 2.75.  Achievement of this target will be measured by reaching both the funded amount (which will include any loans that fund within 60 days of closings and fundings on commitment increases) and hitting the actual volume weighted blended spreads set forth in the targets as set forth in the attached Exhibit A.  For the satisfaction of the actual volume weighted, blended spread target, consideration will be given to any originations funded over and above the targeted amounts at lower spreads.

		
	4.
	Experience 2012 aggregate credit losses (charge offs, specific reserves and impairment of operating leases) of less than 1% of the commitment amount for all loans and commitment increases on loans originated in 2009, 2010 and 2011.  

		
	5.
	Manage consolidated operating expenses2 to less than $190.9 million.  

		
	6.
	Maintain the Bank classified asset ratio at 30% or less as of each quarter end.   

		
	7.
	Manage the Parent classified assets to less than $350 million and the consolidated classified asset ratio to less than 35% by year end.

Bonus Targets 
The Compensation Committee of the Board of Directors may use its discretion to adjust - up or down - the following bonus targets and to determine whether the Primary Financial Goals have been achieved to the extent there are judgments to be employed or mitigating factors exist.  In exercising its discretion, the Committee will also consider (i) the relative importance to the Company of each of the Primary Financial Goals, (ii) the general safety and soundness of the Bank, (iii) management's progress in addressing the recommendations of the FDIC and the FRB made during their 2011 visitations in connection with positioning the Company to become a Bank Holding Company, (iv) management's maintenance of a culture that fosters the Company's ability to attract and retain talented professionals and provides opportunities for continued career development and advancement, and (v) management's progress on refining the company's business model such that the consolidated return on equity grows over time toward the top of the company's peer group. The Compensation Committee will consider input of the CEOs of both the Bank and Parent when determining bonus amounts for the other Executive Officers.
To achieve Bonus at or above 100% of Base Salary:
		
	▪
	All of the Primary Financial Goals must be met.  

To achieve Bonus at or above 75% of Base Salary:
		
	▪
	At least 6 of the Primary Financial Goals must be met.

To achieve Bonus at or above 50% of Base Salary:
		
	▪
	At least 4 of the Primary Financial Goals must be met.

_____________________________
1 “Loans,” as used herein, includes loans, leases, operating leases and equity investments containing equipment subject to an operating lease.
2 Operating expenses excludes the cost of REO and foreclosed assets, the provision for unfunded commitments, the cost of early debt extinguishment and depreciation from operating leases.

Stock Ownership Guidelines
Executive Officers are expected to accumulate and hold CSE shares3 with a value equal to a multiple of base salary:  3x base salary for the CEO of CapitalSource and the CEO of CapitalSource Bank and 2x base salary for the other Executive Officers.  Prior to meeting the guideline, Executive Officers are required to retain 50% of the after-tax shares acquired from vesting of restricted stock, exercise of stock options, or earnout of performance shares.  This “retention ratio” ensures that Executive Officers are making progress toward meeting the guideline.  Executive Officers will have five years to meet the ownership guideline starting January 2012.

______________________
3 CSE Shares includes shares directly owned and the in the money value on an after tax basis of vested options on CSE shares. 

Exhibit A

	
																															
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	 
	 
	 
	Floor Index
	 
	Margin
	 
	Contractual Rate
	 
	 

	 
	 
	 
	Q1
	Q2
	Q3
	Q4
	 
	Q1
	Q2
	Q3
	Q4
	 
	Q1
	Q2
	Q3
	Q4
	 
	Index

	Asset Type
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	AB - Healthcare
	 
	1.25
	%
	1.25
	%
	1.25
	%
	1.25
	%
	 
	4.40
	%
	4.40
	%
	4.40
	%
	4.40
	%
	 
	5.65
	%
	5.65
	%
	5.65
	%
	5.65
	%
	 
	1mL

	AB - Equipment
	 
	0.77
	%
	0.85
	%
	0.88
	%
	0.95
	%
	 
	4.63
	%
	4.80
	%
	4.75
	%
	4.70
	%
	 
	5.40
	%
	5.65
	%
	5.63
	%
	5.65
	%
	 
	4Y swap

	AB - Rediscount
	 
	0.50
	%
	0.50
	%
	0.50
	%
	0.50
	%
	 
	5.35
	%
	5.35
	%
	5.35
	%
	5.35
	%
	 
	5.85
	%
	5.85
	%
	5.85
	%
	5.85
	%
	 
	1mL

	AB - Premium Finance
	3.25
	%
	3.25
	%
	3.25
	%
	3.25
	%
	 
	1.75
	%
	1.75
	%
	1.75
	%
	1.75
	%
	 
	5.00
	%
	5.00
	%
	5.00
	%
	5.00
	%
	 
	Prime

	CF - Security
	 
	1.25
	%
	1.25
	%
	1.25
	%
	1.25
	%
	 
	4.94
	%
	4.69
	%
	4.69
	%
	4.69
	%
	 
	6.19
	%
	5.94
	%
	5.94
	%
	5.94
	%
	 
	1mL

	CF - Technology
	 
	1.25
	%
	1.25
	%
	1.25
	%
	1.25
	%
	 
	4.99
	%
	4.74
	%
	4.50
	%
	4.50
	%
	 
	6.24
	%
	5.99
	%
	5.75
	%
	5.75
	%
	 
	1mL

	CF - Healthcare
	 
	1.25
	%
	1.25
	%
	1.25
	%
	1.25
	%
	 
	4.99
	%
	4.74
	%
	4.50
	%
	4.50
	%
	 
	6.24
	%
	5.99
	%
	5.75
	%
	5.75
	%
	 
	1mL

	CF - PPL
	 
	 
	1.38
	%
	1.42
	%
	1.49
	%
	1.56
	%
	 
	4.50
	%
	4.50
	%
	4.50
	%
	4.50
	%
	 
	5.88
	%
	5.92
	%
	5.99
	%
	6.06
	%
	 
	5Y swap

	CF - Other
	 
	1.25
	%
	1.25
	%
	1.25
	%
	1.25
	%
	 
	4.99
	%
	4.74
	%
	4.50
	%
	4.50
	%
	 
	6.24
	%
	5.99
	%
	5.75
	%
	5.75
	%
	 
	1mL

	RE - Commercial RE
	 
	0.50
	%
	0.50
	%
	0.50
	%
	0.50
	%
	 
	5.25
	%
	5.25
	%
	5.00
	%
	5.00
	%
	 
	5.75
	%
	5.75
	%
	5.50
	%
	5.50
	%
	 
	1mL

	RE - Multi Family
	 
	1.59
	%
	1.64
	%
	1.69
	%
	1.74
	%
	 
	2.75
	%
	2.75
	%
	2.75
	%
	2.75
	%
	 
	4.34
	%
	4.39
	%
	4.44
	%
	4.49
	%
	 
	4Y swap

	RE - Healthcare
	 
	0.85
	%
	0.80
	%
	0.82
	%
	0.84
	%
	 
	4.85
	%
	4.88
	%
	4.88
	%
	4.65
	%
	 
	5.70
	%
	5.68
	%
	5.70
	%
	5.50
	%
	 
	1mL

	SBL
	 
	 
	3.25
	%
	3.25
	%
	3.25
	%
	3.25
	%
	 
	2.76
	%
	2.75
	%
	2.75
	%
	2.74
	%
	 
	6.01
	%
	6.00
	%
	6.00
	%
	5.99
	%
	 
	Prime

	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 
	 

	 
	 
	 
	1.10
	%
	1.15
	%
	1.16
	%
	1.23
	%
	 
	4.48
	%
	4.45
	%
	4.38
	%
	4.30
	%
	 
	5.59
	%
	5.60
	%
	5.54
	%
	5.53
	%

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